Capital One Auto Finance ripoff harassing phone calls to relatives after one day late Plano Texas

I worked until recently as a supervisor for Onyx Acceptance Corporation in the Bankruptcy Department. When Capital One Auto Finance, bought us out I moved to the Titles department. My sister was a manger for the collections department. With this said I ask you, When was her bill due? This is a very important part of your story. The process is that calls are not made until the 10th day. After that you are put into an automated dialer. The facts of that dialer are as followed. {1.} If you phone rings & an answering machine picks up the system will cut the call. This legally does not count as a call. {2.} If the system calls you & you pick up, but an agent is not available to speak with you the system will cut the call. (These are what most consumers believe are calls. & yet as example number 1 - they are not legal calls.) {3.} If the system calls you and a person picks up the phone speaking to us, advising you'll be in later it becomes touchy if we can call you back that day or not.

If your name is not on the contract & you don;t want to be contacted there iare two things that you can do. [1] Tell then to stop calling that it has nothing to do with you. [2] Send a cease & disist letter. As long as your not the one on the contract, then all communication must be stopped by the company. If the debt is sold or sent to a third party collector - you may be called during a skip trace. Again, unless your on the contract - you can send this letter.

To the fellow poster, if thinking that you make more money helps you sleep at night, then very well to you. Most employees that I worked with, working for CO (note I worked for CO and not COAF), this is their summer job while earning degrees in things like Chemical Engineering, Paramedic diplomas, and Business degrees, and yes we WILL be making more than YOU, someday!

As for being a deadbeat, if you have fallen that far behind in your payments, you ARE a deadbeat! You simply didn't plan well enough for a rainy day. Things happen, this is true however, you signed a CONTRACT with the intention of paying back the lender, the lender is simply trying to minimize their loss. Many companies have hardship programs that try to help customers, if you haven't reported any such life event (death, severe illness, loss of job), don't expect the company to be telpathic and 'know' that some sort of life event is happening.

The best idea is if you do get into trouble in meeting your financial obligations is to contact the lender well in advance (for CO it is at least 3 business days) to make arrangments. In some cases we may be able skip payments (for CO we can skip two monthly payments to assist customers), lower APRs, etc. Individuals that simply have a slip try to reconcile their debt, and make the effort to make arrangements with their creditors and don't shirk away from their financial responsibilities!

To the employees in collections of Capitol one. You need to know that despite your Training (brainwashing), Not all of the people you call repeatedly are deadbeat people. You are in the business of collecting money from Moms, Dads, grandparents and decent human beings who for reasons out of thier control are having financial difficulties. I for one am raising 4 children and going to college full-time and operating a home daycare. To which each and everyday you call, you are disrupting my place of business waking up children during nap time. So if you think you are helping the cause, what you are doing is causing problems within my business, Guess what guys. No Business and I'll have to claim Bankruptsy and then we'll see how much money you collect. It irritates me greatly to read "employee" comments on this site barking about dead beats. How you can know 100% for sure the lives of everyone you talk to is beyond belief. If there is anyone who is a dead beat, it is you, working as a lowly phone operator for a measily hourly wage. My main reason for writing this is I want you to reflect this message when the time comes in your life (and it will) when you come on hard times. Everyone goes through it, even the best of us. Then you will think back and say wow...and I called those people deadbeats.... not all us us are deabeats. Fact is, in the long run, I'll end up making more money a year than you. So you know I will NEVER use Capitol one again and will turn down any Dealer who tries to steer me that way. I never requested it from day one. Next time I'll stay with my local credit Union and I suggest others do the same.

I have been contacted by rude collection agents of Auto One Finance by harrassing phone calls and I owe them NOTHING! It's not even my account!

I am not a co-signer or in ANY way involved with the debt owed by a former roomate. Once more he did not even know me when this debt was incurred. I do not know how they got my phone number. My private cell phone, but they will not stop harrassing me. It's not my debt! I owe nothing! My roomate does not even live with me. I have no idea where he is. I have asked, begged and pleaded. Capital One will not stop their harrassment.

Unless your relatives have co-signed and are in any way responsible for this debt then Capital One has no right to call relatives, friends or anyone else. My ex owed a debt and I was continually harrassed by collection agencies. I went to court and the judge gave me a court order releiving me of this debt. Still these collectores called my Parents. My parents! I am a 40 year old woman. Why were my parents contacted. They are not involved in anyway. It's just the unethical debt collectors trying to humiliate and harrass you. They need to be held accountable.

I may have misunderstood your original beef, but that's OK.. you got a little more than what you needed but, to actually answer your question COAF doesn't call references to collect money. The only time COAF calls your references is if you are in Trace. If they call you, looking for someone, just give them HER number. You don't need to call them.

I work for COAF in their Canadian call center. Just for some clarification: if you finance a vehicle and have a friend/family member "co-sign" with you .. obviously to boost a better credit rating for a lower APR rate, that person is equally responsible for the loan. If the "main signer" doesn't pay, you best bet the "co-name" will be called.

NOW, an "OKTTT" or, OK to talk to, can ONLY provide information and TAKE information. If you were put on the loan as an OKTTT, you CAN be removed. You should NOT be called for collection purposes as an OKTTT. In the case that you ARE called, the customer put your number as the contact number.

If you are NOT an OKTTT, but a co-signer or the actual MAIN buyer, but the vehicle is not in your posession, I suggest you call customer service (1-800-946-0332 between 9-9 EST) and have them change the number on file. It takes 24-hours before the phone dialers update, but if the account is in collections, tell them "listen, I don't have the car.. I co-signed for the car, give them the new number (as long as it is not a cell phone) they WILL call it. If they take it and end up calling you back, its because there was no response from the new number to verify. Normally, if you say 3 times that the customer does not live at the number they are calling, they MUST remove the number from the dialer and trace a new number. BUT, if you ARE the "co-signer" you best bet they will keep calling you. That is just the responsibility you took on as a co-signer.

Now, if you ARE only an OKTTT, tell them to remove your name from the account and your number. If you are an OKTTT, and you tell them 3 times that the customer doesn't live at your home, it is considered harassment to call you again (wrong number). Feel free to reply if you need more assistance.

I don't blame the companies at all. They're just trying to get their money. I blame my wife's deadbeat, nonpaying, lowlife relatives. Yesterday I finally collected on a $10 repair that I've had in my shop for seven months. Finally contacted the women on her cell phone. Who do you think answers? Her son. He tells me they exchange cell phones every other month. How weird is that? As for getting an unlisted number. That's not gonna work. The "good" relatives give it to the bad ones. I agree about the one day late situation. "Even though my sister has called them and tried to get it fixed". What's to fix"? Pay her bills on time and no calls.

I don't blame the companies at all. They're just trying to get their money. I blame my wife's deadbeat, nonpaying, lowlife relatives. Yesterday I finally collected on a $10 repair that I've had in my shop for seven months. Finally contacted the women on her cell phone. Who do you think answers? Her son. He tells me they exchange cell phones every other month. How weird is that? As for getting an unlisted number. That's not gonna work. The "good" relatives give it to the bad ones. I agree about the one day late situation. "Even though my sister has called them and tried to get it fixed". What's to fix"? Pay her bills on time and no calls.

I don't blame the companies at all. They're just trying to get their money. I blame my wife's deadbeat, nonpaying, lowlife relatives. Yesterday I finally collected on a $10 repair that I've had in my shop for seven months. Finally contacted the women on her cell phone. Who do you think answers? Her son. He tells me they exchange cell phones every other month. How weird is that? As for getting an unlisted number. That's not gonna work. The "good" relatives give it to the bad ones. I agree about the one day late situation. "Even though my sister has called them and tried to get it fixed". What's to fix"? Pay her bills on time and no calls.

I don't blame the companies at all. They're just trying to get their money. I blame my wife's deadbeat, nonpaying, lowlife relatives. Yesterday I finally collected on a $10 repair that I've had in my shop for seven months. Finally contacted the women on her cell phone. Who do you think answers? Her son. He tells me they exchange cell phones every other month. How weird is that? As for getting an unlisted number. That's not gonna work. The "good" relatives give it to the bad ones. I agree about the one day late situation. "Even though my sister has called them and tried to get it fixed". What's to fix"? Pay her bills on time and no calls.

Shirley and Cory, while I understand your frustration about getting these calls, how do you think Capital One got your phone numbers to begin with? Your relatives have provided Capital One with your phone numbers so that they can avoid the calls. Capital One is calling the phone numbers that they have on those people's accounts -- and they're YOUR phone numbers. Capital One can't simply remove a phone number from a customer's account; the customer has to request its removal and provide a new, valid phone number.

So the people to blame for this is not Capital One, but your relatives. You need to tell them to not use your phone number under any circumstances, and if they've given it out to places like Capital One then they need to change that. I honestly don't know how you would enforce that, with the exception of getting an unlisted number and simply not sharing it with your relatives who are doing this to you.

Your sister was not only 1 day past due. I can 100% guarantee that. If we are calling her that much she is well beyond a day . Especially if we're calling you. References would not eve be called until she was 3 months and beyond. But in this case she must have given you as a contact number at one point.

If she did in fact call an request to stop the calls to you, then I agree with you . It chould stop. However she must provide a valid contact number and actually answer. Bottom line if your sister took the time to give COAF a number to contact her or even picked up the phone you would not have been contacted. Blame your sis for this one.

I know what you're talking about. We're always getting calls from one company or another about my wife's nonpaying, deadbeat relatives. I get home and there's some message from some company about someone I've never heard of before. I ask my wife if she's ever heard of them and she says, that's my uncle's nephew's cousin. I say, WHAT? WHO? Look on the bright side. At least you know who it is they're calling about. I always wonder how in the heck they get our name and number to give as a reference.