Capital One Auto Finance ALL Day Phone Harassment Occurs in 15/30/60 Minute Intervals Plano Texas

I have COAF and when I ran into some problems, they let me defer one monthly payment. They said I could only do this once during the time of my loan. By law, they can repo the car if they payment is late (yes, even if it's only30 days late) and if you become unable to contact (Change your phone#) they will most likely come looking for the car.

You said...

"The bottom line is here, repeated calls will never get a payment out of someone who is unable or unwilling to make a payment.

Simple solution. Repo the car. Done.

No more calls."

This is a serious question, not a smart-a** remark because I'd like to know and you seem well-versed in collection activity. After they repo the car and, presumably, sell it, wouldn't they continue calling to get the rest of what is owed on the loan?

I have heard that after an auto lender repos a vehicle, they will run someone's credit and determine based on the score whether it would be profitable to pursue the remaining debt legally or whether it would be better to simply sell the debt or attempt to harass the customer into paying.

If you could please send some info our way, it would be much appreciated.

This thing started back in 10/23/2005 & yet it is still alive as of 4/29/2007. That should say something to both consumers & employees. Since my name was brought up in the context of being rude let me please clarify something. I have had good credit, great credit, and horrible credit. Now I'm around 770, 785 depending on whom you look at. I have a B.A. & B.S. from Morehouse College in Atlanta Georgia; yes I double majored. I have a Masters from Biola University in Organizational Leadership. I am a Youth at Risk counselor, a community gang activist a motivational speaker, a husband & a father.

On the case of my primary response; I knew that the story had flaws & I was upset at reading/hearing the same excuse over & over again. That was the tone. The original writer wanted to complain & accuse so I put in back on them. You see change only happens when we take responsibility for our own actions no matter what side of the phone we are own.

To the charge by Christine: it seems to me that you are a lawyer or work in a firm. My position with the company was with the bankruptcy department. I have heard each story accordingly & just about every version. I have met over the phone customers who felt very embarrassed over having to file. I remember one that cried. A grown man crying that he had to file BK. I worked my but off to help those customers. I closed many cases without having the customer reaffirm based on our communication. I have also sought a relief from stay & repo'd vehicles from people I knew were shady. I even took vehicles because the customers counsel told me that they were such & such & I couldn't.

I repo'd cars for 6 months from one attorney because he said I couldn't. In my position all I wanted was a customers desire to stay current & commitment to stay in contact. The good part of the BK department was once I had you, you stayed with me till the debt was paid. There were customers I tried to find a way to help. I called customers 3 4 times a week to help them because I knew by the 15th day it would leave my hands to the repo department.

I've been on the phone with the customer while the repo guy was taking the car stalling the guy to get a payment from the customer. I'm not just one guy there are hundreds of us. The simple thing is that collections have three departments: Frontline, Mid then Late. They have a certain time frame: 30, 60 & 90 days. Customer service usually works from 10-29 days. We know what's about to happen. We do have arrangements called deferments. What people don't realize is that when one guy becomes a bum or just has bad luck the industry APR takes a hit. Just look at mortgages & the stock market today.

To the charge by Chris: I don't defend COAF. I give information to help other people out so that they know what to do & why things are done. Some consumers are at fault. They took credit or got the loan on a wish & whim without fully taking account. Others took a good look & life just got the best of them. COAF didn't start sub prime, but it did enter the market. They bought my company Onyx Acceptance Corporation, which was prime & super prime. I don't know if I agree with the phrase predatory lending. If you sign a 17% APR loan at 700.00 a month who is fooling whom? My grandmother said two things: Common sense ain't all that common & A stereotype always has somebody to prove it right. Companies wouldn't market in an area that hasn't proven to be marketable. Supply & demand are the bread & butter of the USA.

Still, just like I believe you should be forced to go into training for having a child & getting married the same should apply to contracts. My kids are 6 & 11, both have bank accounts. Both of them read the paper, invest in penny stock, have kid Visa's & kid Master Cards. They know the value of a dollar. Somewhere along the line we forgot to teach our younger generation the value of a dollar & how to read a contract. Finally Chris & any others who read this: If your company product breaks down is it the CSR's fault or the company.

Chris states that the CSR hides behind the predictive dialer line. If it is a false hood why isn't it illegal? It's not because it's a computer system & not 100% reliable. I've worked for Sprint, Verizon, & COAF no dialers is 100%. It's all call disposition & guesstimation. But the CSR just answers the calls it doesn't dial. Oh yeah, the information for the dialer is based upon the law of 8-8 & Nielson ratings.

People always vote for TV shows so it is reasoned that people are home around that time split by time zone. One last thing Chris, every major credit card company has an over seas office, so if you logic is true please use cash & checks only. No CC please if they have V/MC or D emblems.

To everyone who has had difficulty I know it's not right, but COAF does have people to help you. Still like Se said, if your account is showing all kinds of 30, 60, 90,120 days late with broken promises to pay.why should we work with you? I was blessed & cursed at COAF because I could decide to repo on my own.

Lastly to Heidi remember this if anything; if you have an agreement to settle an account GET IT IN WRITING OR IT DOES NOT EXIST! I worked out of stat collections for a while. That means that you didn't have to pay the debt & we couldn't sue you. Still if I could get you to make a payment it would start the statute all over again. I left because I was good at it & didn't feel right doing it. So remember GET IT IN WRITING OR IT DOES NOT EXIST!

I have dealt with Capital One but only as a credit card. It was not a good experience. It was a couple years ago. We had a disagreement about some of the charges. A representative told me, pay such and such amount of money by such and such date and we will consider it resolved and close the account. I did as we agreed...but they did not close the account and instead kept adding more charges- annual fee, late fee, etc. When I called them to straighten it out, they sent me from one representative to the next, just put me on hold and transferred me around, until the line went dead. This took about an hour of my time each time I tried to resolve it. Not once did I get to speak to someone who felt they were authorized to do anything but transfer me to someone else. Finally I conducted one of those phone calls with a witness, then I found a lawyer to handle it. The lawyer wrote them a fancy letter. They got rid of all the charges and closed the account. But in the meantime my credit was damaged and I do not know how to fix that. I do not think Capital One is the most honest company I have ever dealt with. My advice about cars- which I follow- is get an old one you can afford, learn how to tell when it needs minor repairs, and change the oil on time. Don't get an auto loan at all.

I have been recieving 10-15 calls a DAY from COAF. I do not have an account with them, I have never had an account with them! I never WILL have an account with them! From day one they have asked for a Kyle. I have repeatedly told them I am NOT Kyle and I do NOT owe any money to COAF. At first I asked nicely that they correct their phone records and STOP CALLING me. Instead the calls intensified and got worse. I can't even imagine how a company like this stays in business. Their collection agents are rude and harrassing. They refuse to listen to me. Sometimes I can't even get past "I'm not Kyle and....Click they hang up. I have tried calling customer servie, I have tried to sue them, I have reported them to just about every agency I can think of. I have pleaded, begged, demanded that they STOP harrassing me, STOP calling, just STOP!!! But it doesn't stop! This is real people and it could happen to you. COAF is one of the worst most unethical companies I have EVER heard of!!!! Please do not do business with them.

I have been recieving 10-15 calls a DAY from COAF. I do not have an account with them, I have never had an account with them! I never WILL have an account with them! From day one they have asked for a Kyle. I have repeatedly told them I am NOT Kyle and I do NOT owe any money to COAF. At first I asked nicely that they correct their phone records and STOP CALLING me. Instead the calls intensified and got worse. I can't even imagine how a company like this stays in business. Their collection agents are rude and harrassing. They refuse to listen to me. Sometimes I can't even get past "I'm not Kyle and....Click they hang up. I have tried calling customer servie, I have tried to sue them, I have reported them to just about every agency I can think of. I have pleaded, begged, demanded that they STOP harrassing me, STOP calling, just STOP!!! But it doesn't stop! This is real people and it could happen to you. COAF is one of the worst most unethical companies I have EVER heard of!!!! Please do not do business with them.

I have been recieving 10-15 calls a DAY from COAF. I do not have an account with them, I have never had an account with them! I never WILL have an account with them! From day one they have asked for a Kyle. I have repeatedly told them I am NOT Kyle and I do NOT owe any money to COAF. At first I asked nicely that they correct their phone records and STOP CALLING me. Instead the calls intensified and got worse. I can't even imagine how a company like this stays in business. Their collection agents are rude and harrassing. They refuse to listen to me. Sometimes I can't even get past "I'm not Kyle and....Click they hang up. I have tried calling customer servie, I have tried to sue them, I have reported them to just about every agency I can think of. I have pleaded, begged, demanded that they STOP harrassing me, STOP calling, just STOP!!! But it doesn't stop! This is real people and it could happen to you. COAF is one of the worst most unethical companies I have EVER heard of!!!! Please do not do business with them.

I have been recieving 10-15 calls a DAY from COAF. I do not have an account with them, I have never had an account with them! I never WILL have an account with them! From day one they have asked for a Kyle. I have repeatedly told them I am NOT Kyle and I do NOT owe any money to COAF. At first I asked nicely that they correct their phone records and STOP CALLING me. Instead the calls intensified and got worse. I can't even imagine how a company like this stays in business. Their collection agents are rude and harrassing. They refuse to listen to me. Sometimes I can't even get past "I'm not Kyle and....Click they hang up. I have tried calling customer servie, I have tried to sue them, I have reported them to just about every agency I can think of. I have pleaded, begged, demanded that they STOP harrassing me, STOP calling, just STOP!!! But it doesn't stop! This is real people and it could happen to you. COAF is one of the worst most unethical companies I have EVER heard of!!!! Please do not do business with them.

My car is currently financed through Capitol One. I used to have perfect payments with them. A couple of years ago I was a Truck Driver and made excellent money so my credit was perfect with all my creditors.

Unfortunatly one day when I was taking time off at home, I was mowing the lawn and my foot slipped under the lawn mower. This resulted in medical bills and unemployment since I wasn't able to stand on my feet.

Capitol One started calling me when just a couple of days when I got behind. Regardless of the reasons I told them, it didn't matter. The bad part is that when I told the Capitol One rep when I could get my next payment in, they would play it off like, we understand and will make a notation on your account.

15-30 minutes later, another rep would be calling back. I would ask them to read the notes on the account and they would play dumb like I never talked to anyone. It got to the point where I would hear from Capitol One 8-10 times a day at the least.

It didn't matter if I talked to them in a nice tone and tried to work something out, or if I yelled and cussed the rep out. It didn't matter if I demanded to speak to a Supervisor, they would still call and harass me.

The final turn out was that I had to file bankruptcy Ch13.

I'm not exactly suggesting to others to file Bankruptcy but I am hoping a Capitol One employee is reading this because the last laugh is on Capitol One. The payments that now go to Capitol One from the Bankruptcy Trustee is minimal and Capitol One will only see the money that will cover the value of the car, and not what was owed on it. It's illegal for Capitol One to contact me which I do not hear from them now and I still have the car that they loaned the money on.

I normally agree that anytime you obtain a loan, pay it on time the best you can and pay it off. However, I have no hurt feelings for filing bankruptcy against Capitol One. I hope the word gets out about Capitol One and I hope more and more people realize that it is a mistake to even think about doing business with them

I, too close any account that is non-essential whenever I get "outsourced" customer service like in India or elsewhere.

And I really like the comment of those people who have their kids answer the phone. The only upside to this is that you can be sure the collector can be on a level playing field with the 5 year old! Same mentality!

The bottom line is here, repeated calls will never get a payment out of someone who is unable or unwilling to make a payment.

Simple solution. Repo the car. Done.

No more calls.

I am not a customer of Capital One, have never been a customer of Capitol One but TOTALLY understand their harassment b/c they keep calling me looking for a woman named Jennifer Lutz. Not me, don't know who she is but their customer service people are completely obnoxious and refuse to stop calling. Below is a copy of my own complaint. I hope that you get relief from this b/c I certainly understand how annoying it is.

For all you people who defended Capital One...read on. They are the HORRIBLE and can you imagine if I did have an account with them if this is the way they treat a stranger?

"I have been getting phone calls from Capital One for some girl named Jennifer Lutz. I do not know who this woman is nor do I care. I have been getting collection calls from Capital One for months now and they refuse to believe that I am not this person.

I have told them they have the wrong number and they actually argue with me. The have been horribly rude to me and never stop calling. I am at the end of my rope with this. I get calls all day and up until 9pm in the evening and I have small children.

I have good credit and have never had an account with these people in my life but I pay the price for some woman who gives out a false number and doesn't pay her bills. Its not right and I want it to stop. How can I get them to stop calling me?"

Chip, this will be my last response in reference to Capital One or any responses that you might follow with. I've gathered the information that I need and my decision has been made. Plus, you really seem to be one of those people that really just like to argue the point.
As far as your comment Just about ANY large company has a class action or 2 pending.

Class actions are on the rise these days if you haven't noticed, and they're easier to file. What matters is the number of cases won, and I am not aware of any successful class actions against Cap One. You really should do your research before you respond with such conviction. There have been cases that they did lose in a court of law not to mention the cases that were settled before the count system could hear them. That information is easily accessible through research and not just personal opinion.

I'm also a little amazed that you tell customers that they should either use computer or banking online payment services or send their payment as certified return receipt. As hard as you argue for this company even you lack faith in their payment system to the point that you want a tracking system for proof of payment. I have a pocket full of credit cards. Each month, I put my payment into the envelope, place a stamp on is and allow snail mail to do its job. I have yet to find the need to send any of my payments certified return receipt because I distrust my lenders. I'm sure that part of my lender satisfaction is that what's not in my wallet is a Capital One credit card.

I totally understand your frustration about people who comment about children and using those children to dodge creditors. I even went back to your first post to make sure that I didn't misunderstand for first post. At no point in that post did you even address children. Your comment more addressed that people should plan better for hard times. So, I'm a little confused by your whole children comment. Either way I agree that children should be even remotely involved in their credit issues.

In a perfect world everyone would pay their credit cards on time, have money is saving and financial hardship would exist. Sadly, that just isn't the case. The United States is broken down into three classes: upper, middle and lower. It just really seems to me that Capital One has figured out a way to pry on those who fall into the lower class. Hopefully more consumers will educate themselves and not patronize companies that operate in a manor previously described by myself and other readers.

Chip, your right, Capital One's outsourcing of American jobs is not unique to them, but it doesn't have to be accepted by American consumers either. I can promise you that if I find that one of my credit cards has taken away American jobs and outsourced them over seas, I would close that account immediately. As I stated in my last post, money is powerful. More consumers need send a message to companies like this that predatory lending and outsourcing of job will not be tolerated.

My money may be but a drop in the bucket, but it's a drop they will never get.

I don't work for Cap One, and I wouldn't exactly call myself loyal. With my credit card, I have gotten more favorable offers, and Cap One has matched them, which is why I'm still with them.

I am passionate about this. Many of the complaints on this board are from people who simply cannot or will not direct the blame where it belongs: on them. They blame everyone else. I read it with NSFs. I read it with car payments and repossessions and screwed up mortgages. Many complaints are on sub-prime lenders, so they already have a demonstrated history of irresponsibility.

Almost EVERY time the person states there has been a job loss, or a death, or some other reason they have fallen behind on their payments. What a great thing it would be if for every life event we could call our creditors and ask for a "grace period" as some have written on this site, or some other change in re-payment terms. How ridiculous is that? What never made it in my post that you responded to was the fact that I have to pay my bills on time each month, so do my friends and family. Why do other people think they are so special that they deserve an exception?

You write:

"I don't know about you Chip, but I certainly view charging a customer a high late fee for the payment being one day late as predatory and calling a consumer 4 and 5 times a day every day as harassing."

There are ways to avoid being late -- like paying online through Cap One or through your own bank. You can pay the very day your payment is due and still avoid a late fee. If you don't have a computer, and you must mail it in, mail it certified, or som other way where you get a receipt and delivery confirmation. By the way, fees and phone calls are NOT unique to Cap One.

"Not to mention that fact that they brought their call center operations to Tampa, taking advantage of a multitude of tax break incentives that were given to them to bring jobs to the area. Once those tax breaks were expired or were lifted, where did those jobs go? India! Another shinning example and this fine company"

Again, not unique to Cap One. And this really gets me too, having to talk with someone with a heavy, thick Indian accent named "Roger," but this is a reality today in Corporate America.

"I applaud the fact that you have had no issues with this Company, but if you do some in-depth research into them, your opinion might be swayed. They have countless class action cases filed against them based on what equates to predatory lending."

Just about ANY large company has a class action or 2 pending. Class actions are on the rise these days if you haven't noticed, and they're easier to file. What matters is the number of cases won, and I am not aware of any successful class actions against Cap One.

"This is a company that has countless dissatisfied customers on both the credit card and auto side and a multitude of reasons."

True, there are dissatisfied customers. But how many SATISFIED customers are there? Thousands, if not millions. We just don't hear from the happy ones, especially on a website such as this -- surely you must concede that.

"I can honestly say that I've done my due diligence, researched this company thoroughly. My choice is to place my trust, financial health and money in the hands of company with a more reliable reputation."

Great! That's the beauty of our free market economy. You don't like one company, go to another and move on with life.

And, lastly, my 'WTF' was meant to illustrate my utter frustration about lack of personal responsibility. It just kills me, particuarly when many of these posts reference children.

I would like to take a moment to respond Chip's post. First, the use of abbreviated foul language doesn't speak very highly of you. Although, I don't not agree with your loyalty towards Capital One I can certainly understand your conviction. But there are many, more intelligent ways to express your self. I applaud the fact that you have had no issues with this Company, but if you do some in-depth research into them, your opinion might be swayed. They have countless class action cases filed against them based on what equates to predatory lending. I don't know about you Chip, but I certainly view charging a customer a high late fee for the payment being one day late as predatory and calling a consumer 4 and 5 times a day every day as harassing. Not to mention that fact that they brought their call center operations to Tampa, taking advantage of a multitude of tax break incentives that were given to them to bring jobs to the area. Once those tax breaks were expired or were lifted, where did those jobs go? India! Another shinning example and this fine company

If you will read the responses to other complaints from the company employees, even you would have to agree that many of them are just ludicrous. I especially liked the one stating that they cannot control the way customer receive calls because they use a predictive dialer. News flash to all you Capital One associates hiding behind that. A predictive dialer is company programmed. So although YOU cannot control the way the predictive dialer contacts customers, the company has complete control over it's dialer determines it's calling pattern.

This is a company that has countless dissatisfied customers on both the credit card and auto side and a multitude of reasons. I agree that there are a lot of consumers and post consumers complaining about issues that might have been avoided by better planning or budgeting. I am educated enough tell the deference. Where you fail to see my point is in the way most of the employee responses have been in reaction to those issues. I couldn't imagine my payment getting lost in the mail or applied to the wrong and having to call one of these folk to deal with it.

I can honestly say that I've done my due diligence, researched this company thoroughly. My choice is to place my trust, financial health and money in the hands of company with a more reliable reputation.

I would like to take a moment to respond Chip's post. First, the use of abbreviated foul language doesn't speak very highly of you. Although, I don't not agree with your loyalty towards Capital One I can certainly understand your conviction. But there are many, more intelligent ways to express your self. I applaud the fact that you have had no issues with this Company, but if you do some in-depth research into them, your opinion might be swayed. They have countless class action cases filed against them based on what equates to predatory lending. I don't know about you Chip, but I certainly view charging a customer a high late fee for the payment being one day late as predatory and calling a consumer 4 and 5 times a day every day as harassing. Not to mention that fact that they brought their call center operations to Tampa, taking advantage of a multitude of tax break incentives that were given to them to bring jobs to the area. Once those tax breaks were expired or were lifted, where did those jobs go? India! Another shinning example and this fine company

If you will read the responses to other complaints from the company employees, even you would have to agree that many of them are just ludicrous. I especially liked the one stating that they cannot control the way customer receive calls because they use a predictive dialer. News flash to all you Capital One associates hiding behind that. A predictive dialer is company programmed. So although YOU cannot control the way the predictive dialer contacts customers, the company has complete control over it's dialer determines it's calling pattern.

This is a company that has countless dissatisfied customers on both the credit card and auto side and a multitude of reasons. I agree that there are a lot of consumers and post consumers complaining about issues that might have been avoided by better planning or budgeting. I am educated enough tell the deference. Where you fail to see my point is in the way most of the employee responses have been in reaction to those issues. I couldn't imagine my payment getting lost in the mail or applied to the wrong and having to call one of these folk to deal with it.

I can honestly say that I've done my due diligence, researched this company thoroughly. My choice is to place my trust, financial health and money in the hands of company with a more reliable reputation.

I would like to take a moment to respond Chip's post. First, the use of abbreviated foul language doesn't speak very highly of you. Although, I don't not agree with your loyalty towards Capital One I can certainly understand your conviction. But there are many, more intelligent ways to express your self. I applaud the fact that you have had no issues with this Company, but if you do some in-depth research into them, your opinion might be swayed. They have countless class action cases filed against them based on what equates to predatory lending. I don't know about you Chip, but I certainly view charging a customer a high late fee for the payment being one day late as predatory and calling a consumer 4 and 5 times a day every day as harassing. Not to mention that fact that they brought their call center operations to Tampa, taking advantage of a multitude of tax break incentives that were given to them to bring jobs to the area. Once those tax breaks were expired or were lifted, where did those jobs go? India! Another shinning example and this fine company

If you will read the responses to other complaints from the company employees, even you would have to agree that many of them are just ludicrous. I especially liked the one stating that they cannot control the way customer receive calls because they use a predictive dialer. News flash to all you Capital One associates hiding behind that. A predictive dialer is company programmed. So although YOU cannot control the way the predictive dialer contacts customers, the company has complete control over it's dialer determines it's calling pattern.

This is a company that has countless dissatisfied customers on both the credit card and auto side and a multitude of reasons. I agree that there are a lot of consumers and post consumers complaining about issues that might have been avoided by better planning or budgeting. I am educated enough tell the deference. Where you fail to see my point is in the way most of the employee responses have been in reaction to those issues. I couldn't imagine my payment getting lost in the mail or applied to the wrong and having to call one of these folk to deal with it.

I can honestly say that I've done my due diligence, researched this company thoroughly. My choice is to place my trust, financial health and money in the hands of company with a more reliable reputation.

I would like to take a moment to respond Chip's post. First, the use of abbreviated foul language doesn't speak very highly of you. Although, I don't not agree with your loyalty towards Capital One I can certainly understand your conviction. But there are many, more intelligent ways to express your self. I applaud the fact that you have had no issues with this Company, but if you do some in-depth research into them, your opinion might be swayed. They have countless class action cases filed against them based on what equates to predatory lending. I don't know about you Chip, but I certainly view charging a customer a high late fee for the payment being one day late as predatory and calling a consumer 4 and 5 times a day every day as harassing. Not to mention that fact that they brought their call center operations to Tampa, taking advantage of a multitude of tax break incentives that were given to them to bring jobs to the area. Once those tax breaks were expired or were lifted, where did those jobs go? India! Another shinning example and this fine company

If you will read the responses to other complaints from the company employees, even you would have to agree that many of them are just ludicrous. I especially liked the one stating that they cannot control the way customer receive calls because they use a predictive dialer. News flash to all you Capital One associates hiding behind that. A predictive dialer is company programmed. So although YOU cannot control the way the predictive dialer contacts customers, the company has complete control over it's dialer determines it's calling pattern.

This is a company that has countless dissatisfied customers on both the credit card and auto side and a multitude of reasons. I agree that there are a lot of consumers and post consumers complaining about issues that might have been avoided by better planning or budgeting. I am educated enough tell the deference. Where you fail to see my point is in the way most of the employee responses have been in reaction to those issues. I couldn't imagine my payment getting lost in the mail or applied to the wrong and having to call one of these folk to deal with it.

I can honestly say that I've done my due diligence, researched this company thoroughly. My choice is to place my trust, financial health and money in the hands of company with a more reliable reputation.

C'mon people. Seriously, what do you expect Cap One to do? Let you not pay? Let you pay what you want? Let you pay when you want?

EVERY complaint I read has a sentence imbedded in it such as, "I couldn't make my payment..." or "I fell on hard times..." or "I lost my job..." I mean, WTF? It's not Cap One's fault you lost your job and don't have a contingency plan. So, how is YOUR bad luck, or YOUR failure to plan, or YOUR bad decision(s) Cap One's problem? How, exactly, are they ripping YOU off?

I have a blank check loan through Cap One -- my second in 3 years. I have NEVER, NOT ONCE had a problem with them. They NEVER call. Why? Because I make my payments on time and in full each month though my bank's bill pay. And -- now here's the clincher -- in the event I lose my job (and I acknowledge that this is a reality today), I have a a separate savings account as a contingency so I can pay my bills and mortgage. What a concept, huh?

SE makes some really good points, and, to Chris, Cap One is not bad (my experience). I even have a no hassle card with them too and, again, no problems -- not once. The complaints you're reading are from people who don't or can't understand the concept of personal responsibility and have no other person to blame but themselves.

How many of us have fallen behind from time to time. It happens to most people who are good people for a many reasons. Harassing a customer will not get them to pay faster it will only add to thier stress, make it harder for them to function under such stress to resolve the issue and force them into bankrupcy Chapter 13 which is a reorganization which the court protects the secured property from being repoed and places a "Automatic Stay" into effect so that the creditor can NOT call the Debtor PERIOD! Thus giving the Debtor 36 months or more to catch up on the arreages. The finance company would do better if it merely worked out arrangments to catch up with the debtor. Yeah, Scott, maybe he is behind on other debts, so what. Has it never happened to you? Anyone? If not there but for the grace of God go you. What often forces clients to my office is the harassment and abuse of creditors to such a extent that the Debtor makes a decision to restore peace and sanity by filing for bankruptcy protection.

I've been shopping around and thinking of buying a new truck. I went through Lending Tree because I wanted competitive interest rates and to be able to go into a dealership prequalified. I received three qualified offers, one of which was from Capital One Auto Finance. I thought I would do a little research on each company before I made my decision. My God, COAF has a boat load of complaints! Mostly about the way they are treating their consumers. And if any of the employee and ex-employee responses are any indication of how I might be treated...........I'll pass. I've struggled through my credit issues and have been lucky enough to pull myself out of it and end up with a fairly good credit score. So, I understand how tough credit issues can be. For those of you that have given nasty "Pay Your Bill" responses. All I can say is WOW! I'm glad that I checked here first. You tout how consumers must be prepared for emergencies', but you're just not being realistic. Money issues can happen to anyone.

Many of America's top business men and women have had financial hardships. I wonder how you would have responded to Donald Trump when he was having financial issues and ended up in bankruptcy. The simple truth is that most people would gladly pay their bill if they could. Do you seriously think that belittling and harassing them is going to put money into their pocket and thus into yours? Here is a little food for though. As quick as Mike and Scott have been to blame the consumer, COAF should bare a lot of the blame as well. COAF and other division of COF have a long standing history of seeking out "High" risk borrowers. Borrowers that other companies will not take. Why should employees and ex-employees come to a website like this and defend a company that obviously knows the risk in its business practices. It just seems to me to be a pathetic excuse to justify bad behavior.
I'm going to take the information that I've gained about COAF and find another company to deal with. The best way to deal with companies who practice business like this is to spend your money some place else.

I work for COAF andI have to say imagine if you took the money you spent on privacy manager, caller ID, and the effort into hiding, changing phone numbers, addresses, making absurd voicemail messages to ward off collectors (my personal fav, it keeps me entertained) and other attempts to escape responsibility you could have saved that time and money and been able to pay your bill.

Secondly, what about the customers who call in and harass us?? I get calls all the time about how your upset about calls stating your late but all you do is complain and then hang up before we can explain and help you. you act like, "how dare you call me and ask me for the money I owe you!" even though when you fall behind you are not proactive in trying to rectify the situation by calling us first, god forbid!

If you lose a job or a family member dies, we are not pyschic, call us and let us know, if you do we can work with you. request a transaction history every few months, its a statement that details everything we see on our screen and breaks down details on pmts made and how it was allocated.there are people who have perfect payment history but are behind because they miss their first pmt.

I have a lady who has made 2 pmts has been 30 dpd on all pmts, is 55 dpd currently, bc of missing her first pmt, she claims to have faxed her receipts to us and hangs up on us everytime b4 we can try to help, she did a money gram and all she has to do is give us the ref num and we track it. Sadly, she will be a person to go into repo bc she refuses to listen to us and allow us to give her info to help clear up the situation, and she is only 3 pmts into the loan.

We also look at how many times you have been 15, 30, 60, 90 days past due on your pmts over the course of your loan, and how many promises to pay you break and keep. Why should we sign our names on your loan when you have been 30 times 30 dpd out of 40 pmts made.

Bad things happen to good ppl, but your grandma doesnt die twice in one month. Yes it may seem rude of us to tell you to have a garage sale or get help from a relative and yes it can be embarrassing but we are adults and need to be responsible. Sometimes extreme situations call for extreme solutions out of our comfort zone. And no, Im not independently wealthy, I have had financial issues and have had to go to relatives for help, I have had to take money out of my IRA, and say no to going out to dinner bc i realize i have to budget for bills.

A big excuse Im hearing right now is " I wont sacrifice my kids xmas to pay you" But sometimes the responsible thing is sacrificing one xmas so you can keep your car to drive you to work to pay for next xmas. I dont believe talking to collection people has to be a bad experience, unfortunately there are people in this company who break procedure, I tell people if they get someone on the phone who is harassing them to hang up, take a 5 minute breather and call back and get someone else.

The worst thing you can do is not pick up the phone and keep us informed on your situation. It doesnt help me when a customer gets harrassed and becomes frustrated and never answers the phone again and then becomes 3 mnths behind and just randomly sends partial pmts thinking it will magically catch up and then at the end of their loan they have a huge baloon pmt and get upset, wont pay or listen to why its behind and then the car is repo'd and they just finished their loan.

As for the phone calls, we are not governed under FDCPA, we can only talk to a buyer or co buyer once a day, yes mistakes happen and calls can be dispositioned wrong. There is no grace period, people speaking of a grace period are referring to the 10 day grace period assessed for LATE FEES ONLY! THey are assessed for every 10 days past your due date-IE 10 days past due=late fee, 40 dpd=late fee, if you do a ach, let them know you specifically want a certain amt to go to late fees, some reps won't assume you want to pay those off, you dont have to pay them all at once, but pay a little each time and they will go away, i had a lady call and had a mature loan and owed 1 pmt of late fees = to 1 pmt, i have seen people whose late fees are more than their actual pmt.

Late fees are assessed also depending on what state your in and and it can vary as to how much they are. the rep can give you this info. also when we cant get a hold of you, we call old numbers and your references who may be relatives, its allowed, obviously we are trying to get a hold of you because its important,again be proactive and update your address and phn num when you move.

Also don't use your kids as gatekeepers, be responsible and pick up the phone, its so sad when a 5 yr old answers and you can hear their mom or dad in the background whispering "tell them im not here" that makes me want to ask, " should i call child service cause im a concerned adult and you rvery young to be at home by yourself" Also repos dont happen overnight, yes we say its bad to hit 60dpd, but thats because on 61 days it goes to late stages of collections and thats it b4 they repo, and at 60 dpd it drops your beacon score on your credit, you may not care about your credit now but if you ever plan on buying a house or another car it will hinder your ability to get a good interest rate and even the loan itself.

Also, moms, and dads, dont put the loan in your name and have your kid be the co buyer and make a deal that they will pay the bills, i have a lot of parents whose credit is ruined bc of their kids late pmts and they cant afford their car bill and their kids, if you are a co buyer be advised we have the right to ask you for a pmt just like a buyer you are equally responsible and your credit is affected just as much, if you cant afford to pay the mistakes of the buyer refinance the loan and get yourself off the loan.

Also deferments-use them as a get out of jail free card-scenerio-if you are 45 dpd and its dec 13 and your past due for oct and nov pmts and dec's pmt is coming up on the 29th it doesnt make sense to get a deferment bc you defer a pmt that is past due, we require one pmt-in this case oct's pmt, we would defer nov's pmt and we require the nxt pmt which is dec 29th to be on time or the deferment is reversed.

If this is the case, buy yourself time, your only 45 dpd, see if you can borrow money to pay nov, then call back pay oct and nove and defer dec pmt, then your next pmt won't be due until jan 29th and you will be current. Better to borrow and be able to use it to your full advantage rather than defer the a past due pmt and be caught up for 2 wks and then have to worry about getting dec pmt in on time or have the deferment reversed because you cant, then when its reversed you end up farther behind than you were before the deferment.

I can see how this seems like a "rip off" if not used properly, a deferment is used for temporary hardships, medical issues etc, if you know 2 mnths after you get this deferment you will be behind again, dont use it, because you cant get another one until you have made another 6 pmts, also if you get a deferment, make sure to send the letter and $35 fee back within 15 days or else it will be reversed.

If the letter hasnt arrived or the fee hasnt posted to your bank acct, call us and ask why! we can fax the letter to you and you can fax it back. Then you can call us and make sure we received it. Also if you are 30 dpd, we dont accept mailed in pmts as promises, if you tell us, " i mailed it in" we cant set up the computer system to stop the calls until we receive the pmt which could be 5 days later. do a stop pmt on the check and call back and do a ach, money gram, western union, that way we can track the pmt and set up the computer to stop the calls.

And yes I know we charge $8 for ach but if you are assessing $4 in interest a day-do the math 5 days to mail a pmt x $4/day=$20 vs 1 time fee of $8 and knowing your loan is secure and paid. Also you cant do online pmts unless your account is current. anything as far as procedures on direct pay set up or cancellation, taking a car out of the country, etc there are specific procedures on how to do that, call us and we will tell you so it is done properly.

If at the end of a phone call we have given you options like borrowing or pawning something, here is a question to ask yourself, since you are unwilling to listen to us, what are YOU going to do to get your acct current, because yes unfortunately we are a big company and if you go to repo it may cost us $8000 but for every repo we have we have an avg of 5 new loans being processed, it isnt hurting us as much as it hurts you, repos stay on your credit for 10 yrs and after a second repo you cant get the car back.

Secondly when you fill out an application and from the start fill out wrong addresses and phone numbers on purpose you obviously know you will end up in collections at some point. Also when you are consitently late and yell at us for doing our job so we can avoid our collectors, (yes even us collectors can be in collections so we know how it goes) and then call us and as for a deferment and expect us to bend over backwards to help you because you have been out of work for 3 months and havent called from day one to tell us-that is a rip off!Also if you want calls to stop you hae to say the words, " CEASE AND DESIST" and you have to send it in writing within 30 days (ask the rep for the address and procedure).

If we have a wrg num and call it, we have to document on 3 different DAYS that you said it is the wrong num b4 we will take it off the list, but if you call from that number later on we obviously track that and reactivate that on your acct. And unfortunately your unsuspecting relatives suffer for your attempts to hide from us by using pay phones, co workers phone lines, pay as you go phones, calling cards etc ( so there are some good ideas for all you actual people who are career debtors who want to continue dodging us only to end up winning the battle and losing the war ending up in repo and hurting your credit)

If you are relative of ppl in collections getting calls because they listed you as a reference relay the message fr them to call us and then tell us to cease and desist calling your num, i know its miserable being called for something you dont owe. And yes, we will ask for everything that is due, because we dont want to take one pmt only to have to call you back in a week to make the other pmt, only to find you have your nxt pmt coming up in 3 days, do what you have to do to get the total past due and get out of collections, imagine all you ppl who hate coaf collections ppl if you all banned together and paid your accts past due and kept current you could put 1000's of people like me out of a job and then we would be in your situation and get collection calls, doesnt that make you feel happy?

Really Im sorry to be rude during this essay but if you want us to be responsible for our mistake s and yes i know some of you are having heart attacks cause i admitted the humans who work for coaf make mistakes and i will apologize for them but i am furstrated bc there are ppl out there who have called me and cursed me out, saying they hope my family dies and ends up homeless and i have seen co workers cry, i realize we frustrate you but plz realize we can receive unneccessary calls, every time i dial a number i cringe cause i almost dont want you to answer because i dont know what type of person i will get on the other end, telling me its my fault even tho their acct shows they have been 20 times 30 dpd on their acct.

Also plz remember WE ARE COLLECTORS NOT CUSTOMER SERVICE! it is not our job grant you deferments and take whatever pmt you feel like giving today, we are hired to be assertive, not aggressive! to a certain extent otherwise COAF would go out of business bc what if we didn't call, there are ppl who answer the phone, "I was waiting for you to call" thats sad, ppl don't want to rely on our phone calls for their wake up calls at 8am.

No one should have to tolerate a rude rep thats unacceptable just like i shouldnt have to tolerate a rude customer, we are all humans and need to be treated with some level of respect and be given the benefit of the doubt, i shouldnt call assuming the person is a deadbeat, and customers shouldnt pick up assuming i am a rude harassing rep, we both set ourselves up for failure if we do that and no one wins.

I work for COAF andI have to say imagine if you took the money you spent on privacy manager, caller ID, and the effort into hiding, changing phone numbers, addresses, making absurd voicemail messages to ward off collectors (my personal fav, it keeps me entertained) and other attempts to escape responsibility you could have saved that time and money and been able to pay your bill.

Secondly, what about the customers who call in and harass us?? I get calls all the time about how your upset about calls stating your late but all you do is complain and then hang up before we can explain and help you. you act like, "how dare you call me and ask me for the money I owe you!" even though when you fall behind you are not proactive in trying to rectify the situation by calling us first, god forbid!

If you lose a job or a family member dies, we are not pyschic, call us and let us know, if you do we can work with you. request a transaction history every few months, its a statement that details everything we see on our screen and breaks down details on pmts made and how it was allocated.there are people who have perfect payment history but are behind because they miss their first pmt.

I have a lady who has made 2 pmts has been 30 dpd on all pmts, is 55 dpd currently, bc of missing her first pmt, she claims to have faxed her receipts to us and hangs up on us everytime b4 we can try to help, she did a money gram and all she has to do is give us the ref num and we track it. Sadly, she will be a person to go into repo bc she refuses to listen to us and allow us to give her info to help clear up the situation, and she is only 3 pmts into the loan.

We also look at how many times you have been 15, 30, 60, 90 days past due on your pmts over the course of your loan, and how many promises to pay you break and keep. Why should we sign our names on your loan when you have been 30 times 30 dpd out of 40 pmts made.

Bad things happen to good ppl, but your grandma doesnt die twice in one month. Yes it may seem rude of us to tell you to have a garage sale or get help from a relative and yes it can be embarrassing but we are adults and need to be responsible. Sometimes extreme situations call for extreme solutions out of our comfort zone. And no, Im not independently wealthy, I have had financial issues and have had to go to relatives for help, I have had to take money out of my IRA, and say no to going out to dinner bc i realize i have to budget for bills.

A big excuse Im hearing right now is " I wont sacrifice my kids xmas to pay you" But sometimes the responsible thing is sacrificing one xmas so you can keep your car to drive you to work to pay for next xmas. I dont believe talking to collection people has to be a bad experience, unfortunately there are people in this company who break procedure, I tell people if they get someone on the phone who is harassing them to hang up, take a 5 minute breather and call back and get someone else.

The worst thing you can do is not pick up the phone and keep us informed on your situation. It doesnt help me when a customer gets harrassed and becomes frustrated and never answers the phone again and then becomes 3 mnths behind and just randomly sends partial pmts thinking it will magically catch up and then at the end of their loan they have a huge baloon pmt and get upset, wont pay or listen to why its behind and then the car is repo'd and they just finished their loan.

As for the phone calls, we are not governed under FDCPA, we can only talk to a buyer or co buyer once a day, yes mistakes happen and calls can be dispositioned wrong. There is no grace period, people speaking of a grace period are referring to the 10 day grace period assessed for LATE FEES ONLY! THey are assessed for every 10 days past your due date-IE 10 days past due=late fee, 40 dpd=late fee, if you do a ach, let them know you specifically want a certain amt to go to late fees, some reps won't assume you want to pay those off, you dont have to pay them all at once, but pay a little each time and they will go away, i had a lady call and had a mature loan and owed 1 pmt of late fees = to 1 pmt, i have seen people whose late fees are more than their actual pmt.

Late fees are assessed also depending on what state your in and and it can vary as to how much they are. the rep can give you this info. also when we cant get a hold of you, we call old numbers and your references who may be relatives, its allowed, obviously we are trying to get a hold of you because its important,again be proactive and update your address and phn num when you move.

Also don't use your kids as gatekeepers, be responsible and pick up the phone, its so sad when a 5 yr old answers and you can hear their mom or dad in the background whispering "tell them im not here" that makes me want to ask, " should i call child service cause im a concerned adult and you rvery young to be at home by yourself" Also repos dont happen overnight, yes we say its bad to hit 60dpd, but thats because on 61 days it goes to late stages of collections and thats it b4 they repo, and at 60 dpd it drops your beacon score on your credit, you may not care about your credit now but if you ever plan on buying a house or another car it will hinder your ability to get a good interest rate and even the loan itself.

Also, moms, and dads, dont put the loan in your name and have your kid be the co buyer and make a deal that they will pay the bills, i have a lot of parents whose credit is ruined bc of their kids late pmts and they cant afford their car bill and their kids, if you are a co buyer be advised we have the right to ask you for a pmt just like a buyer you are equally responsible and your credit is affected just as much, if you cant afford to pay the mistakes of the buyer refinance the loan and get yourself off the loan.

Also deferments-use them as a get out of jail free card-scenerio-if you are 45 dpd and its dec 13 and your past due for oct and nov pmts and dec's pmt is coming up on the 29th it doesnt make sense to get a deferment bc you defer a pmt that is past due, we require one pmt-in this case oct's pmt, we would defer nov's pmt and we require the nxt pmt which is dec 29th to be on time or the deferment is reversed.

If this is the case, buy yourself time, your only 45 dpd, see if you can borrow money to pay nov, then call back pay oct and nove and defer dec pmt, then your next pmt won't be due until jan 29th and you will be current. Better to borrow and be able to use it to your full advantage rather than defer the a past due pmt and be caught up for 2 wks and then have to worry about getting dec pmt in on time or have the deferment reversed because you cant, then when its reversed you end up farther behind than you were before the deferment.

I can see how this seems like a "rip off" if not used properly, a deferment is used for temporary hardships, medical issues etc, if you know 2 mnths after you get this deferment you will be behind again, dont use it, because you cant get another one until you have made another 6 pmts, also if you get a deferment, make sure to send the letter and $35 fee back within 15 days or else it will be reversed.

If the letter hasnt arrived or the fee hasnt posted to your bank acct, call us and ask why! we can fax the letter to you and you can fax it back. Then you can call us and make sure we received it. Also if you are 30 dpd, we dont accept mailed in pmts as promises, if you tell us, " i mailed it in" we cant set up the computer system to stop the calls until we receive the pmt which could be 5 days later. do a stop pmt on the check and call back and do a ach, money gram, western union, that way we can track the pmt and set up the computer to stop the calls.

And yes I know we charge $8 for ach but if you are assessing $4 in interest a day-do the math 5 days to mail a pmt x $4/day=$20 vs 1 time fee of $8 and knowing your loan is secure and paid. Also you cant do online pmts unless your account is current. anything as far as procedures on direct pay set up or cancellation, taking a car out of the country, etc there are specific procedures on how to do that, call us and we will tell you so it is done properly.

If at the end of a phone call we have given you options like borrowing or pawning something, here is a question to ask yourself, since you are unwilling to listen to us, what are YOU going to do to get your acct current, because yes unfortunately we are a big company and if you go to repo it may cost us $8000 but for every repo we have we have an avg of 5 new loans being processed, it isnt hurting us as much as it hurts you, repos stay on your credit for 10 yrs and after a second repo you cant get the car back.

Secondly when you fill out an application and from the start fill out wrong addresses and phone numbers on purpose you obviously know you will end up in collections at some point. Also when you are consitently late and yell at us for doing our job so we can avoid our collectors, (yes even us collectors can be in collections so we know how it goes) and then call us and as for a deferment and expect us to bend over backwards to help you because you have been out of work for 3 months and havent called from day one to tell us-that is a rip off!Also if you want calls to stop you hae to say the words, " CEASE AND DESIST" and you have to send it in writing within 30 days (ask the rep for the address and procedure).

If we have a wrg num and call it, we have to document on 3 different DAYS that you said it is the wrong num b4 we will take it off the list, but if you call from that number later on we obviously track that and reactivate that on your acct. And unfortunately your unsuspecting relatives suffer for your attempts to hide from us by using pay phones, co workers phone lines, pay as you go phones, calling cards etc ( so there are some good ideas for all you actual people who are career debtors who want to continue dodging us only to end up winning the battle and losing the war ending up in repo and hurting your credit)

If you are relative of ppl in collections getting calls because they listed you as a reference relay the message fr them to call us and then tell us to cease and desist calling your num, i know its miserable being called for something you dont owe. And yes, we will ask for everything that is due, because we dont want to take one pmt only to have to call you back in a week to make the other pmt, only to find you have your nxt pmt coming up in 3 days, do what you have to do to get the total past due and get out of collections, imagine all you ppl who hate coaf collections ppl if you all banned together and paid your accts past due and kept current you could put 1000's of people like me out of a job and then we would be in your situation and get collection calls, doesnt that make you feel happy?

Really Im sorry to be rude during this essay but if you want us to be responsible for our mistake s and yes i know some of you are having heart attacks cause i admitted the humans who work for coaf make mistakes and i will apologize for them but i am furstrated bc there are ppl out there who have called me and cursed me out, saying they hope my family dies and ends up homeless and i have seen co workers cry, i realize we frustrate you but plz realize we can receive unneccessary calls, every time i dial a number i cringe cause i almost dont want you to answer because i dont know what type of person i will get on the other end, telling me its my fault even tho their acct shows they have been 20 times 30 dpd on their acct.

Also plz remember WE ARE COLLECTORS NOT CUSTOMER SERVICE! it is not our job grant you deferments and take whatever pmt you feel like giving today, we are hired to be assertive, not aggressive! to a certain extent otherwise COAF would go out of business bc what if we didn't call, there are ppl who answer the phone, "I was waiting for you to call" thats sad, ppl don't want to rely on our phone calls for their wake up calls at 8am.

No one should have to tolerate a rude rep thats unacceptable just like i shouldnt have to tolerate a rude customer, we are all humans and need to be treated with some level of respect and be given the benefit of the doubt, i shouldnt call assuming the person is a deadbeat, and customers shouldnt pick up assuming i am a rude harassing rep, we both set ourselves up for failure if we do that and no one wins.

I work for COAF andI have to say imagine if you took the money you spent on privacy manager, caller ID, and the effort into hiding, changing phone numbers, addresses, making absurd voicemail messages to ward off collectors (my personal fav, it keeps me entertained) and other attempts to escape responsibility you could have saved that time and money and been able to pay your bill.

Secondly, what about the customers who call in and harass us?? I get calls all the time about how your upset about calls stating your late but all you do is complain and then hang up before we can explain and help you. you act like, "how dare you call me and ask me for the money I owe you!" even though when you fall behind you are not proactive in trying to rectify the situation by calling us first, god forbid!

If you lose a job or a family member dies, we are not pyschic, call us and let us know, if you do we can work with you. request a transaction history every few months, its a statement that details everything we see on our screen and breaks down details on pmts made and how it was allocated.there are people who have perfect payment history but are behind because they miss their first pmt.

I have a lady who has made 2 pmts has been 30 dpd on all pmts, is 55 dpd currently, bc of missing her first pmt, she claims to have faxed her receipts to us and hangs up on us everytime b4 we can try to help, she did a money gram and all she has to do is give us the ref num and we track it. Sadly, she will be a person to go into repo bc she refuses to listen to us and allow us to give her info to help clear up the situation, and she is only 3 pmts into the loan.

We also look at how many times you have been 15, 30, 60, 90 days past due on your pmts over the course of your loan, and how many promises to pay you break and keep. Why should we sign our names on your loan when you have been 30 times 30 dpd out of 40 pmts made.

Bad things happen to good ppl, but your grandma doesnt die twice in one month. Yes it may seem rude of us to tell you to have a garage sale or get help from a relative and yes it can be embarrassing but we are adults and need to be responsible. Sometimes extreme situations call for extreme solutions out of our comfort zone. And no, Im not independently wealthy, I have had financial issues and have had to go to relatives for help, I have had to take money out of my IRA, and say no to going out to dinner bc i realize i have to budget for bills.

A big excuse Im hearing right now is " I wont sacrifice my kids xmas to pay you" But sometimes the responsible thing is sacrificing one xmas so you can keep your car to drive you to work to pay for next xmas. I dont believe talking to collection people has to be a bad experience, unfortunately there are people in this company who break procedure, I tell people if they get someone on the phone who is harassing them to hang up, take a 5 minute breather and call back and get someone else.

The worst thing you can do is not pick up the phone and keep us informed on your situation. It doesnt help me when a customer gets harrassed and becomes frustrated and never answers the phone again and then becomes 3 mnths behind and just randomly sends partial pmts thinking it will magically catch up and then at the end of their loan they have a huge baloon pmt and get upset, wont pay or listen to why its behind and then the car is repo'd and they just finished their loan.

As for the phone calls, we are not governed under FDCPA, we can only talk to a buyer or co buyer once a day, yes mistakes happen and calls can be dispositioned wrong. There is no grace period, people speaking of a grace period are referring to the 10 day grace period assessed for LATE FEES ONLY! THey are assessed for every 10 days past your due date-IE 10 days past due=late fee, 40 dpd=late fee, if you do a ach, let them know you specifically want a certain amt to go to late fees, some reps won't assume you want to pay those off, you dont have to pay them all at once, but pay a little each time and they will go away, i had a lady call and had a mature loan and owed 1 pmt of late fees = to 1 pmt, i have seen people whose late fees are more than their actual pmt.

Late fees are assessed also depending on what state your in and and it can vary as to how much they are. the rep can give you this info. also when we cant get a hold of you, we call old numbers and your references who may be relatives, its allowed, obviously we are trying to get a hold of you because its important,again be proactive and update your address and phn num when you move.

Also don't use your kids as gatekeepers, be responsible and pick up the phone, its so sad when a 5 yr old answers and you can hear their mom or dad in the background whispering "tell them im not here" that makes me want to ask, " should i call child service cause im a concerned adult and you rvery young to be at home by yourself" Also repos dont happen overnight, yes we say its bad to hit 60dpd, but thats because on 61 days it goes to late stages of collections and thats it b4 they repo, and at 60 dpd it drops your beacon score on your credit, you may not care about your credit now but if you ever plan on buying a house or another car it will hinder your ability to get a good interest rate and even the loan itself.

Also, moms, and dads, dont put the loan in your name and have your kid be the co buyer and make a deal that they will pay the bills, i have a lot of parents whose credit is ruined bc of their kids late pmts and they cant afford their car bill and their kids, if you are a co buyer be advised we have the right to ask you for a pmt just like a buyer you are equally responsible and your credit is affected just as much, if you cant afford to pay the mistakes of the buyer refinance the loan and get yourself off the loan.

Also deferments-use them as a get out of jail free card-scenerio-if you are 45 dpd and its dec 13 and your past due for oct and nov pmts and dec's pmt is coming up on the 29th it doesnt make sense to get a deferment bc you defer a pmt that is past due, we require one pmt-in this case oct's pmt, we would defer nov's pmt and we require the nxt pmt which is dec 29th to be on time or the deferment is reversed.

If this is the case, buy yourself time, your only 45 dpd, see if you can borrow money to pay nov, then call back pay oct and nove and defer dec pmt, then your next pmt won't be due until jan 29th and you will be current. Better to borrow and be able to use it to your full advantage rather than defer the a past due pmt and be caught up for 2 wks and then have to worry about getting dec pmt in on time or have the deferment reversed because you cant, then when its reversed you end up farther behind than you were before the deferment.

I can see how this seems like a "rip off" if not used properly, a deferment is used for temporary hardships, medical issues etc, if you know 2 mnths after you get this deferment you will be behind again, dont use it, because you cant get another one until you have made another 6 pmts, also if you get a deferment, make sure to send the letter and $35 fee back within 15 days or else it will be reversed.

If the letter hasnt arrived or the fee hasnt posted to your bank acct, call us and ask why! we can fax the letter to you and you can fax it back. Then you can call us and make sure we received it. Also if you are 30 dpd, we dont accept mailed in pmts as promises, if you tell us, " i mailed it in" we cant set up the computer system to stop the calls until we receive the pmt which could be 5 days later. do a stop pmt on the check and call back and do a ach, money gram, western union, that way we can track the pmt and set up the computer to stop the calls.

And yes I know we charge $8 for ach but if you are assessing $4 in interest a day-do the math 5 days to mail a pmt x $4/day=$20 vs 1 time fee of $8 and knowing your loan is secure and paid. Also you cant do online pmts unless your account is current. anything as far as procedures on direct pay set up or cancellation, taking a car out of the country, etc there are specific procedures on how to do that, call us and we will tell you so it is done properly.

If at the end of a phone call we have given you options like borrowing or pawning something, here is a question to ask yourself, since you are unwilling to listen to us, what are YOU going to do to get your acct current, because yes unfortunately we are a big company and if you go to repo it may cost us $8000 but for every repo we have we have an avg of 5 new loans being processed, it isnt hurting us as much as it hurts you, repos stay on your credit for 10 yrs and after a second repo you cant get the car back.

Secondly when you fill out an application and from the start fill out wrong addresses and phone numbers on purpose you obviously know you will end up in collections at some point. Also when you are consitently late and yell at us for doing our job so we can avoid our collectors, (yes even us collectors can be in collections so we know how it goes) and then call us and as for a deferment and expect us to bend over backwards to help you because you have been out of work for 3 months and havent called from day one to tell us-that is a rip off!Also if you want calls to stop you hae to say the words, " CEASE AND DESIST" and you have to send it in writing within 30 days (ask the rep for the address and procedure).

If we have a wrg num and call it, we have to document on 3 different DAYS that you said it is the wrong num b4 we will take it off the list, but if you call from that number later on we obviously track that and reactivate that on your acct. And unfortunately your unsuspecting relatives suffer for your attempts to hide from us by using pay phones, co workers phone lines, pay as you go phones, calling cards etc ( so there are some good ideas for all you actual people who are career debtors who want to continue dodging us only to end up winning the battle and losing the war ending up in repo and hurting your credit)

If you are relative of ppl in collections getting calls because they listed you as a reference relay the message fr them to call us and then tell us to cease and desist calling your num, i know its miserable being called for something you dont owe. And yes, we will ask for everything that is due, because we dont want to take one pmt only to have to call you back in a week to make the other pmt, only to find you have your nxt pmt coming up in 3 days, do what you have to do to get the total past due and get out of collections, imagine all you ppl who hate coaf collections ppl if you all banned together and paid your accts past due and kept current you could put 1000's of people like me out of a job and then we would be in your situation and get collection calls, doesnt that make you feel happy?

Really Im sorry to be rude during this essay but if you want us to be responsible for our mistake s and yes i know some of you are having heart attacks cause i admitted the humans who work for coaf make mistakes and i will apologize for them but i am furstrated bc there are ppl out there who have called me and cursed me out, saying they hope my family dies and ends up homeless and i have seen co workers cry, i realize we frustrate you but plz realize we can receive unneccessary calls, every time i dial a number i cringe cause i almost dont want you to answer because i dont know what type of person i will get on the other end, telling me its my fault even tho their acct shows they have been 20 times 30 dpd on their acct.

Also plz remember WE ARE COLLECTORS NOT CUSTOMER SERVICE! it is not our job grant you deferments and take whatever pmt you feel like giving today, we are hired to be assertive, not aggressive! to a certain extent otherwise COAF would go out of business bc what if we didn't call, there are ppl who answer the phone, "I was waiting for you to call" thats sad, ppl don't want to rely on our phone calls for their wake up calls at 8am.

No one should have to tolerate a rude rep thats unacceptable just like i shouldnt have to tolerate a rude customer, we are all humans and need to be treated with some level of respect and be given the benefit of the doubt, i shouldnt call assuming the person is a deadbeat, and customers shouldnt pick up assuming i am a rude harassing rep, we both set ourselves up for failure if we do that and no one wins.

I work for COAF andI have to say imagine if you took the money you spent on privacy manager, caller ID, and the effort into hiding, changing phone numbers, addresses, making absurd voicemail messages to ward off collectors (my personal fav, it keeps me entertained) and other attempts to escape responsibility you could have saved that time and money and been able to pay your bill.

Secondly, what about the customers who call in and harass us?? I get calls all the time about how your upset about calls stating your late but all you do is complain and then hang up before we can explain and help you. you act like, "how dare you call me and ask me for the money I owe you!" even though when you fall behind you are not proactive in trying to rectify the situation by calling us first, god forbid!

If you lose a job or a family member dies, we are not pyschic, call us and let us know, if you do we can work with you. request a transaction history every few months, its a statement that details everything we see on our screen and breaks down details on pmts made and how it was allocated.there are people who have perfect payment history but are behind because they miss their first pmt.

I have a lady who has made 2 pmts has been 30 dpd on all pmts, is 55 dpd currently, bc of missing her first pmt, she claims to have faxed her receipts to us and hangs up on us everytime b4 we can try to help, she did a money gram and all she has to do is give us the ref num and we track it. Sadly, she will be a person to go into repo bc she refuses to listen to us and allow us to give her info to help clear up the situation, and she is only 3 pmts into the loan.

We also look at how many times you have been 15, 30, 60, 90 days past due on your pmts over the course of your loan, and how many promises to pay you break and keep. Why should we sign our names on your loan when you have been 30 times 30 dpd out of 40 pmts made.

Bad things happen to good ppl, but your grandma doesnt die twice in one month. Yes it may seem rude of us to tell you to have a garage sale or get help from a relative and yes it can be embarrassing but we are adults and need to be responsible. Sometimes extreme situations call for extreme solutions out of our comfort zone. And no, Im not independently wealthy, I have had financial issues and have had to go to relatives for help, I have had to take money out of my IRA, and say no to going out to dinner bc i realize i have to budget for bills.

A big excuse Im hearing right now is " I wont sacrifice my kids xmas to pay you" But sometimes the responsible thing is sacrificing one xmas so you can keep your car to drive you to work to pay for next xmas. I dont believe talking to collection people has to be a bad experience, unfortunately there are people in this company who break procedure, I tell people if they get someone on the phone who is harassing them to hang up, take a 5 minute breather and call back and get someone else.

The worst thing you can do is not pick up the phone and keep us informed on your situation. It doesnt help me when a customer gets harrassed and becomes frustrated and never answers the phone again and then becomes 3 mnths behind and just randomly sends partial pmts thinking it will magically catch up and then at the end of their loan they have a huge baloon pmt and get upset, wont pay or listen to why its behind and then the car is repo'd and they just finished their loan.

As for the phone calls, we are not governed under FDCPA, we can only talk to a buyer or co buyer once a day, yes mistakes happen and calls can be dispositioned wrong. There is no grace period, people speaking of a grace period are referring to the 10 day grace period assessed for LATE FEES ONLY! THey are assessed for every 10 days past your due date-IE 10 days past due=late fee, 40 dpd=late fee, if you do a ach, let them know you specifically want a certain amt to go to late fees, some reps won't assume you want to pay those off, you dont have to pay them all at once, but pay a little each time and they will go away, i had a lady call and had a mature loan and owed 1 pmt of late fees = to 1 pmt, i have seen people whose late fees are more than their actual pmt.

Late fees are assessed also depending on what state your in and and it can vary as to how much they are. the rep can give you this info. also when we cant get a hold of you, we call old numbers and your references who may be relatives, its allowed, obviously we are trying to get a hold of you because its important,again be proactive and update your address and phn num when you move.

Also don't use your kids as gatekeepers, be responsible and pick up the phone, its so sad when a 5 yr old answers and you can hear their mom or dad in the background whispering "tell them im not here" that makes me want to ask, " should i call child service cause im a concerned adult and you rvery young to be at home by yourself" Also repos dont happen overnight, yes we say its bad to hit 60dpd, but thats because on 61 days it goes to late stages of collections and thats it b4 they repo, and at 60 dpd it drops your beacon score on your credit, you may not care about your credit now but if you ever plan on buying a house or another car it will hinder your ability to get a good interest rate and even the loan itself.

Also, moms, and dads, dont put the loan in your name and have your kid be the co buyer and make a deal that they will pay the bills, i have a lot of parents whose credit is ruined bc of their kids late pmts and they cant afford their car bill and their kids, if you are a co buyer be advised we have the right to ask you for a pmt just like a buyer you are equally responsible and your credit is affected just as much, if you cant afford to pay the mistakes of the buyer refinance the loan and get yourself off the loan.

Also deferments-use them as a get out of jail free card-scenerio-if you are 45 dpd and its dec 13 and your past due for oct and nov pmts and dec's pmt is coming up on the 29th it doesnt make sense to get a deferment bc you defer a pmt that is past due, we require one pmt-in this case oct's pmt, we would defer nov's pmt and we require the nxt pmt which is dec 29th to be on time or the deferment is reversed.

If this is the case, buy yourself time, your only 45 dpd, see if you can borrow money to pay nov, then call back pay oct and nove and defer dec pmt, then your next pmt won't be due until jan 29th and you will be current. Better to borrow and be able to use it to your full advantage rather than defer the a past due pmt and be caught up for 2 wks and then have to worry about getting dec pmt in on time or have the deferment reversed because you cant, then when its reversed you end up farther behind than you were before the deferment.

I can see how this seems like a "rip off" if not used properly, a deferment is used for temporary hardships, medical issues etc, if you know 2 mnths after you get this deferment you will be behind again, dont use it, because you cant get another one until you have made another 6 pmts, also if you get a deferment, make sure to send the letter and $35 fee back within 15 days or else it will be reversed.

If the letter hasnt arrived or the fee hasnt posted to your bank acct, call us and ask why! we can fax the letter to you and you can fax it back. Then you can call us and make sure we received it. Also if you are 30 dpd, we dont accept mailed in pmts as promises, if you tell us, " i mailed it in" we cant set up the computer system to stop the calls until we receive the pmt which could be 5 days later. do a stop pmt on the check and call back and do a ach, money gram, western union, that way we can track the pmt and set up the computer to stop the calls.

And yes I know we charge $8 for ach but if you are assessing $4 in interest a day-do the math 5 days to mail a pmt x $4/day=$20 vs 1 time fee of $8 and knowing your loan is secure and paid. Also you cant do online pmts unless your account is current. anything as far as procedures on direct pay set up or cancellation, taking a car out of the country, etc there are specific procedures on how to do that, call us and we will tell you so it is done properly.

If at the end of a phone call we have given you options like borrowing or pawning something, here is a question to ask yourself, since you are unwilling to listen to us, what are YOU going to do to get your acct current, because yes unfortunately we are a big company and if you go to repo it may cost us $8000 but for every repo we have we have an avg of 5 new loans being processed, it isnt hurting us as much as it hurts you, repos stay on your credit for 10 yrs and after a second repo you cant get the car back.

Secondly when you fill out an application and from the start fill out wrong addresses and phone numbers on purpose you obviously know you will end up in collections at some point. Also when you are consitently late and yell at us for doing our job so we can avoid our collectors, (yes even us collectors can be in collections so we know how it goes) and then call us and as for a deferment and expect us to bend over backwards to help you because you have been out of work for 3 months and havent called from day one to tell us-that is a rip off!Also if you want calls to stop you hae to say the words, " CEASE AND DESIST" and you have to send it in writing within 30 days (ask the rep for the address and procedure).

If we have a wrg num and call it, we have to document on 3 different DAYS that you said it is the wrong num b4 we will take it off the list, but if you call from that number later on we obviously track that and reactivate that on your acct. And unfortunately your unsuspecting relatives suffer for your attempts to hide from us by using pay phones, co workers phone lines, pay as you go phones, calling cards etc ( so there are some good ideas for all you actual people who are career debtors who want to continue dodging us only to end up winning the battle and losing the war ending up in repo and hurting your credit)

If you are relative of ppl in collections getting calls because they listed you as a reference relay the message fr them to call us and then tell us to cease and desist calling your num, i know its miserable being called for something you dont owe. And yes, we will ask for everything that is due, because we dont want to take one pmt only to have to call you back in a week to make the other pmt, only to find you have your nxt pmt coming up in 3 days, do what you have to do to get the total past due and get out of collections, imagine all you ppl who hate coaf collections ppl if you all banned together and paid your accts past due and kept current you could put 1000's of people like me out of a job and then we would be in your situation and get collection calls, doesnt that make you feel happy?

Really Im sorry to be rude during this essay but if you want us to be responsible for our mistake s and yes i know some of you are having heart attacks cause i admitted the humans who work for coaf make mistakes and i will apologize for them but i am furstrated bc there are ppl out there who have called me and cursed me out, saying they hope my family dies and ends up homeless and i have seen co workers cry, i realize we frustrate you but plz realize we can receive unneccessary calls, every time i dial a number i cringe cause i almost dont want you to answer because i dont know what type of person i will get on the other end, telling me its my fault even tho their acct shows they have been 20 times 30 dpd on their acct.

Also plz remember WE ARE COLLECTORS NOT CUSTOMER SERVICE! it is not our job grant you deferments and take whatever pmt you feel like giving today, we are hired to be assertive, not aggressive! to a certain extent otherwise COAF would go out of business bc what if we didn't call, there are ppl who answer the phone, "I was waiting for you to call" thats sad, ppl don't want to rely on our phone calls for their wake up calls at 8am.

No one should have to tolerate a rude rep thats unacceptable just like i shouldnt have to tolerate a rude customer, we are all humans and need to be treated with some level of respect and be given the benefit of the doubt, i shouldnt call assuming the person is a deadbeat, and customers shouldnt pick up assuming i am a rude harassing rep, we both set ourselves up for failure if we do that and no one wins.

The absolute easiest way to stop debt collection calls is to change your phone# to an unlisted one.

You can get this done for free if you tell your phone company that you are getting harrassing/threatening calls from an UNKNOWN caller.

Do not give your new # to any of your creditors, as it will end up on your credit report.

The absolute easiest way to stop debt collection calls is to change your phone# to an unlisted one.

You can get this done for free if you tell your phone company that you are getting harrassing/threatening calls from an UNKNOWN caller.

Do not give your new # to any of your creditors, as it will end up on your credit report.

The absolute easiest way to stop debt collection calls is to change your phone# to an unlisted one.

You can get this done for free if you tell your phone company that you are getting harrassing/threatening calls from an UNKNOWN caller.

Do not give your new # to any of your creditors, as it will end up on your credit report.

The absolute easiest way to stop debt collection calls is to change your phone# to an unlisted one.

You can get this done for free if you tell your phone company that you are getting harrassing/threatening calls from an UNKNOWN caller.

Do not give your new # to any of your creditors, as it will end up on your credit report.

I was late paying my car payment. My fault. I only get paid every 2 weeks, so I make a budget. There is a 10 day grace period and I made my payment before that date. They called every 15-30 minutes starting at 8:00 am, I work 3rd shift so it was a bother. I have to admit. As long as you make your payments on time, you should have no problems.

Also, if you have caller id. This is the phone # that comes up on mine..

972-244-0053

I've dealt w/ Cap 1, and yes, they do call, alot. It's absolutely ridiculous. We added privacy manager to our phone service and it blocks "unknown" callers, and you can also program it to block certain numbers.

It's been a while, so I don't know if they're using phantom numbers like so many collectors do. If you don't have privacy mangaer available in your area I believe you can buy an adaptor for a land based line that does the same thing at Radio Shack. No point in letting a low paid phone jockey w/ low self esteem & a GED education try to harrass you into taking care of "your moral obligation".

Get away from Cap 1. They are very unscrupulous and the harrassment will not stop no matter what you do. Watch your credit reports & Good Luck.

Marc,

I never said doing that would absolve the loan. However it would provide a great deal of satisfaction. You know what I mean..Stress relief.

You cannot get blood out of a stone, and repeat phone calls will never get a payment out of someone unable or unwilling to pay.

I do pay cash for everything, and have plenty of it and a good union job and all 3 of my vehicles are paid for. I made that decision 5 years ago when I walked away from $170k. My credit score went froma 735 to a 385 in 7 months. Now, at the 5 year mark it is back up to 600 and I could get a car loan or a home loan when it hits 620, and at a "fair" interest rate.

For the employee..You can get all the writs of repleven you want. They mean nothing. You just don't understand how the REAL world works.

Nobody needs to be harrassed or belittled by a collector. If the loan is in default, PICK UP THE CAR!! End of story.

How does stripping the car and leaving it in the street absolve the loan? Doesn't that compound the problem for the person that has the loan in the first place? He still owes the money no matter what shape the car is in, and nothing is forgiven. I would think that this would only work if you intend of paying for everything in cash for the rest of your days.

For the person who left the last rebuttal signed LATE. For all that you have said about dodging companies like mine I wonder one thing. Why are you paying higher fees (APR)? You would not need all the Google searches or CID if you would PAY YOUR BILL ON TIME LIKE YOU AGREED TO IN YOUR CONTRACT!

As for real people & real work, if it wasn't for companies that decided to give loans to high risk people like Mr. Late you would still be on this bus waking up at 3:00 in the morning for you 5.75 job or trying to use your mothers car. Please grow up before you decide to insult others & their jobs.

For the person who left the last rebuttal signed LATE. For all that you have said about dodging companies like mine I wonder one thing. Why are you paying higher fees (APR)? You would not need all the Google searches or CID if you would PAY YOUR BILL ON TIME LIKE YOU AGREED TO IN YOUR CONTRACT!

As for real people & real work, if it wasn't for companies that decided to give loans to high risk people like Mr. Late you would still be on this bus waking up at 3:00 in the morning for you 5.75 job or trying to use your mothers car. Please grow up before you decide to insult others & their jobs.

For the person who left the last rebuttal signed LATE. For all that you have said about dodging companies like mine I wonder one thing. Why are you paying higher fees (APR)? You would not need all the Google searches or CID if you would PAY YOUR BILL ON TIME LIKE YOU AGREED TO IN YOUR CONTRACT!

As for real people & real work, if it wasn't for companies that decided to give loans to high risk people like Mr. Late you would still be on this bus waking up at 3:00 in the morning for you 5.75 job or trying to use your mothers car. Please grow up before you decide to insult others & their jobs.

For the person who left the last rebuttal signed LATE. For all that you have said about dodging companies like mine I wonder one thing. Why are you paying higher fees (APR)? You would not need all the Google searches or CID if you would PAY YOUR BILL ON TIME LIKE YOU AGREED TO IN YOUR CONTRACT!

As for real people & real work, if it wasn't for companies that decided to give loans to high risk people like Mr. Late you would still be on this bus waking up at 3:00 in the morning for you 5.75 job or trying to use your mothers car. Please grow up before you decide to insult others & their jobs.

Image having all that call center technology without the communication skills needed to leave a coherent voice message on the borrower's answering machine.

Keep trying from your low paying job to reach me realizing my CID and Google searches reveal your identity; thanks, in part, to this site. I pay a high interest rate to evade you and to fund your wasteful practices. Just think Capital One could employ fewer such practices and hire its workers for a higher wage.

So simplistic--you machine calls my number. If I answer I get to talk nonsense with one of its CSRs. If I let it go, only time I waste is looking at and hearing the number appearing my caller id.

What does Capital One do with all those earnings? Take people off the welfare roles or hire overqualified college graduates. Get a real job and find a real employer!

First I would like to apologize for the typos in the original rebuttal. I would like to add to the rebuttal from Steve - Bradenton, Florida.

* A deferment is the industry term for what he is describing, (skipping a payment) the deferment will place your due payment on the end of your loan. So if your last payment is due March 30th, 2007 - it will now be April 30th, 2007. This DOES NOT, unless specifically stated, remove the interest due for the month the payment is being deferred. Your account will be current though. Capital One Auto Finance does not accept interest only payments. Steve is very correct; The FDCPA does not apply to original creditors. Check with your Attorney Generals' Office or State website for collection law per "State" guidelines. No matter what 8:00am - 9:00pm, unless authorization has been given is the time frame for calls. As for changing your number to a non-published one - read your contract. There are contracts that state we must be able to contact you or have a valid contact number. All contracts state that we must know where the vehicle is.

COAF is a full spectrum service company. What this means is you can have perfect credit or you can have low credit. I believe our bottom line is 540 or 560 credit score. Please what ever you do if your going to attempt to hide the vehicle don't. We have a federal loophole called a Repleven. This is when we go to a judge & say that you are concealing the vehicle & or have threatened to do harm to the vehicle. The judge will order you to turn the vehicle over in a set period of time - usually 24 hours. If you don't you will sit in jail until you do. [This is just informational]

I don't agree with consumers being abused, basically because we are all consumers of something. I really don't agree with people becoming hypochondriacs when it comes to them believing that they have been done wrong. Every company has bad seeds & customer service is a life skill finding its bases in knowing how to respectfully communicate. The problem is that you will always run into somebody whom either doesn't know how to communicate or they have a Napoleonic syndrome.

First I would like to apologize for the typos in the original rebuttal. I would like to add to the rebuttal from Steve - Bradenton, Florida.

* A deferment is the industry term for what he is describing, (skipping a payment) the deferment will place your due payment on the end of your loan. So if your last payment is due March 30th, 2007 - it will now be April 30th, 2007. This DOES NOT, unless specifically stated, remove the interest due for the month the payment is being deferred. Your account will be current though. Capital One Auto Finance does not accept interest only payments. Steve is very correct; The FDCPA does not apply to original creditors. Check with your Attorney Generals' Office or State website for collection law per "State" guidelines. No matter what 8:00am - 9:00pm, unless authorization has been given is the time frame for calls. As for changing your number to a non-published one - read your contract. There are contracts that state we must be able to contact you or have a valid contact number. All contracts state that we must know where the vehicle is.

COAF is a full spectrum service company. What this means is you can have perfect credit or you can have low credit. I believe our bottom line is 540 or 560 credit score. Please what ever you do if your going to attempt to hide the vehicle don't. We have a federal loophole called a Repleven. This is when we go to a judge & say that you are concealing the vehicle & or have threatened to do harm to the vehicle. The judge will order you to turn the vehicle over in a set period of time - usually 24 hours. If you don't you will sit in jail until you do. [This is just informational]

I don't agree with consumers being abused, basically because we are all consumers of something. I really don't agree with people becoming hypochondriacs when it comes to them believing that they have been done wrong. Every company has bad seeds & customer service is a life skill finding its bases in knowing how to respectfully communicate. The problem is that you will always run into somebody whom either doesn't know how to communicate or they have a Napoleonic syndrome.

First I would like to apologize for the typos in the original rebuttal. I would like to add to the rebuttal from Steve - Bradenton, Florida.

* A deferment is the industry term for what he is describing, (skipping a payment) the deferment will place your due payment on the end of your loan. So if your last payment is due March 30th, 2007 - it will now be April 30th, 2007. This DOES NOT, unless specifically stated, remove the interest due for the month the payment is being deferred. Your account will be current though. Capital One Auto Finance does not accept interest only payments. Steve is very correct; The FDCPA does not apply to original creditors. Check with your Attorney Generals' Office or State website for collection law per "State" guidelines. No matter what 8:00am - 9:00pm, unless authorization has been given is the time frame for calls. As for changing your number to a non-published one - read your contract. There are contracts that state we must be able to contact you or have a valid contact number. All contracts state that we must know where the vehicle is.

COAF is a full spectrum service company. What this means is you can have perfect credit or you can have low credit. I believe our bottom line is 540 or 560 credit score. Please what ever you do if your going to attempt to hide the vehicle don't. We have a federal loophole called a Repleven. This is when we go to a judge & say that you are concealing the vehicle & or have threatened to do harm to the vehicle. The judge will order you to turn the vehicle over in a set period of time - usually 24 hours. If you don't you will sit in jail until you do. [This is just informational]

I don't agree with consumers being abused, basically because we are all consumers of something. I really don't agree with people becoming hypochondriacs when it comes to them believing that they have been done wrong. Every company has bad seeds & customer service is a life skill finding its bases in knowing how to respectfully communicate. The problem is that you will always run into somebody whom either doesn't know how to communicate or they have a Napoleonic syndrome.

First I would like to apologize for the typos in the original rebuttal. I would like to add to the rebuttal from Steve - Bradenton, Florida.

* A deferment is the industry term for what he is describing, (skipping a payment) the deferment will place your due payment on the end of your loan. So if your last payment is due March 30th, 2007 - it will now be April 30th, 2007. This DOES NOT, unless specifically stated, remove the interest due for the month the payment is being deferred. Your account will be current though. Capital One Auto Finance does not accept interest only payments. Steve is very correct; The FDCPA does not apply to original creditors. Check with your Attorney Generals' Office or State website for collection law per "State" guidelines. No matter what 8:00am - 9:00pm, unless authorization has been given is the time frame for calls. As for changing your number to a non-published one - read your contract. There are contracts that state we must be able to contact you or have a valid contact number. All contracts state that we must know where the vehicle is.

COAF is a full spectrum service company. What this means is you can have perfect credit or you can have low credit. I believe our bottom line is 540 or 560 credit score. Please what ever you do if your going to attempt to hide the vehicle don't. We have a federal loophole called a Repleven. This is when we go to a judge & say that you are concealing the vehicle & or have threatened to do harm to the vehicle. The judge will order you to turn the vehicle over in a set period of time - usually 24 hours. If you don't you will sit in jail until you do. [This is just informational]

I don't agree with consumers being abused, basically because we are all consumers of something. I really don't agree with people becoming hypochondriacs when it comes to them believing that they have been done wrong. Every company has bad seeds & customer service is a life skill finding its bases in knowing how to respectfully communicate. The problem is that you will always run into somebody whom either doesn't know how to communicate or they have a Napoleonic syndrome.

Most REPUTABLE auto finance companies will forgive 1 payment per year. It will simply increase the amount of the loan and will extend the payoff, but you will be considered current.

Others will accept an interest only payment and will consider you current.

You cannot expect to just run constanly in a 1 month behind status.

The FDCPA does not apply to original creditors.

However, state laws vary on collection and all stipulate the hours calls may be made during and the number of calls per day/week/etc.

The easiest option is to change your phone # to an unlisted one, and then strip the car to the chassis and push it out in the street and tell them to come get it. Thats the way I would go.

Capital One Auto finance is like a lender for tier 3 and below borrowers as far as I know, so you might be better off at a buy here pay here.

I love people who embelish situation in order to help themselves believe they've been victimized. The sad thing is that is often the case. Capital One Auto Finance (COAF) works off a predictive dialer. If you don't know what that is here is the explination. When your account becomes 10 days delequint the system will automatically call your number. This is the first stage of collections. Often times there is a delay between the time you pick up the phone & the timeThe rep actually hears your voice. If the line is picked up the system will dicon the call if it detects an answering machine. So no we don't purposely call & hang up. & no we don't stay on the line & say nothing. We don't dial out manually. So that's how I know this complaint is not truthfully. If you are carrying a 30 day late balance sir statistic show that you are probably late on other bills, thus if we are all on these types of dialers - you wouldn't know who it is. As for the FTC call. People have been mislead when it comes to the FDCPA ( Fair debt Collection Practices Act) for the most part that act is for Third party Collector. I.E. when a company outsources the collection to another company while retaining the debt. this did not happen - so you can basically hang that up. as for the disrespect to you mother. Now that's just WRONG. the way our callsw are monitored I'm a bit skeptical on that. Does it happen in the industry -yes, did it happen from us - I don't know, but I'm skeptical.
Sir I would suggest that you bring the bill current & do an automatic payment or pay on time. this is the only way to stop the calls. Consider this though - when you become 1 day late by law we have the right to repossess the car - that's federal & contractual law. After one day of being late you have broken your contract & we can come get it. I'm not being nasty, buut I'm letting you & everybody who reads this know what the law really is.

Why not just catch up on your delinquent balance?

Then sign up for their autowithdrawal program.

Then they'll leave you alone.

No hassles.