Capital One Auto Finance Never do business with this company!! They lose payments then harrass you for payment. Plano Texas *EDitor's Suggestions on how to get your money back into your bank account!

I made my payment August 27/04 by phone and received a confirmation number that the payment was accepted. Two days later the money was debited from my bank account as always. The 15th of September I receive a letter from Capital One Auto Finance that I had defaulted on my account and they were in the process of repossessing my vehicle.

I immediately called and spoke with a customer service rep. I explained to her that I had received this letter and my payment for August was made, that I had the confirmation number and the money had been debited from the bank. She told me the payment was not in the system and would I like to make the payment over the phone. I told her no that I had made the payment and gave her the confirmation number.

She done a search and still no sign of my payment having been made. She then gave me a fax number to their payment investigation department and told me to fax my bank statement to them and they would investigate to find the payment which could take up to 15 days. But until then I was still responsible for my August payment and it had to be made within the next five days before my September payment was due. I faxed the information to the investigation department.

They harrassed for this payment every 20 minutes for the next 5 days. I had made the payment, had the proof I had made the payment, but they wouldn't listen. I ended up having to make a double payment in September to catch this up while they were taking their own sweet time investigating and locating the payment. Now this double payment has caused a financial hardship for me.

Once again in October they started harrassing me again for the missing payment. I told them I had made a double payment in September to catch everything up and asked if they had found my payment they had lost. They denied knowing anything about the missing payment and asked me if I was sure I had made the payment to Capital One Auto Finance. I had to go through the whole faxing my bank statement all over again.

I was unable to make my October payment because of this mess and I called them explaining the situation to them and asked for an extension on my loan for one month so I could get caught up or until they found the missing payment. No go. They would not work with me whatsoever.

Well I had the opportunity to refinance my vehicle with another company and took it to get away from these crooks. The vehicle has been refinanced and they are still harrassing for the payments. They still claim they have no knowledge of the missing payment of $410.00, which is probably in somebody's pocket. I keep telling them the car has been refinanced, but they continue calling to collect the payment. They have even threatened to ruin my credit and repossess the vehicle if I don't continue making my payments.

Whatever you do stay away from this company. They are as crooked as they come and I think my 3 year old grandson has more smarts than some of their customer service reps.

Vickie
Westerlo, New York
U.S.A.

EDitor's Suggestions on how to get your money back!

HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:

Go to your bank within 60 days of the charge, or as soon as you know about the charge, don't delay, and tell them that there has been fraudulent activity within your account. Explain that you wish to file a dispute, and demand that they assist you in accordance with Federal Regulation E.

According to the majority of victims interviewed by Rip-off Report, those who immediately called their banks to dispute the charges did not get very far. Many victims got the following responses from their banks: we could not do anything for you or you waited too long; it has been more than 60 days.

If the bank is says that you have waited too long, explain to them how you called their 800 number as soon as the charges were found, and were told by the bank that nothing could be done. Remind the bank that they failed to assist you properly at the 800 #, and instead, provided you with an inadequate explanation of your right to dispute. Tell the bank that it's their fault time has expired, and since they gave you the wrong info to begin with, they will just have to deal with it, take the loss and reverse the charges.

Tell them the truth; this was unauthorized and your account was NOT to be charged! Keep emphasizing how you never authorized anything! Direct them to the hundreds of victims reports that were filed on Rip-off Report.com. And if you're at the bank, walk them over to their computer and make them go to this site! If you are on the phone with them, tell them you will wait while they access this site! Either way, be persistent!

DO NOT TAKE NO FOR AN ANSWER!

Let them know nicely, that you were advised to Report them (the Bank) and this situation to the Banking Commission in your state. Since each state has a different name for the agency/controller over banks, find that name before you call or get to the bank so you can throw it in their face. The more knowledgeable you appear to be, the further you will get.

And just continue to demand the Federal Regulation E form! The bank CAN, MUST and WILL reverse the charge! But, you must be persistent; ask to speak to the supervisor or the area manager for all the branches in the state.

Let the bank personnel know you are meeting with the media later in the day, that you would much rather they do the right thing (as most other banks have) by looking at the complaints and immediately reversing the charge(s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the truth.

If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics should still work. The bank can easily fax or mail to you the Federal Regulation E dispute form.

CHARGES TO YOUR CREDIT CARD

If the charge was to your credit card (not debit card, check card, or checking account), contact the credit card company as soon as possible to request a dispute form. Consumers usually have a little longer to dispute fraudulent credit card charges (up to 6 months), but it is better to act right away. In this type of situation, credit card disputes are usually successful since fraudulent companies often won't contest the disputed charge. In rare cases, credit card companies will review disputes, but refuse to reverse the charges. If this occurs, complain to a manager and let them know you will be filing a report here.

Remember Don't let them get away with it! Make sure they make the Rip-off Report .. The more Reports filed on a Company or individual, the more likely it is that the authorities, media and attorneys will want to take action.

And good luck Let us know how you do!

ED Magedson Founder, Rip-off Report.com & Author of www.ripoffrevenge.com
EDitor@RipoffReport.com
badbusinessbureau.com
www.ripoffreport.com

Don't let them get away with it.
Make sure they make the Rip-off Report!

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...the victims' advocate

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...by consumers, for consumers

CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.

Click here to read other Rip Off Reports on Capital ONE

CLICK HERE to read about Credit Card Scams... find out how to get your money back. Consumer makes harsh but accurate statements. *Rip-off Report Investigation follow-up provides valuable information.