CapitalOne Auto Finance Will not give me a pay-off notice... ripping me off on late and " other " fees that their Rep's promised to remove from my Account Internet

Wait are you serious?  Let me get this straight, you open up a credit card with Capital One, use it and then pay the minimum, then you don't pay?  Are you serious? And you have the nerve to come on here to complain?  Why shouldn't they hit you with late fees and fines?  If you did the right thing like pay your bill you would not be in this mess.  Who do you think ends up paying for those items?  You think you should get it for free?  Shame on you!! 

I got my first credit card when I was a poor college student, I signed for it because I wanted the free shirt that came with signing up.  I charged only what I could afford.  Guess what buddy?  I still have that card, with a zero balance.  I never got a late payment notice, I never had to pay fines and fees.  Why you ask?  Because I'm not a deadbeat, always paid my bills on time. 

It's people like you who put this world into the financial disaster we're in. 

I would not rent to you.

I hope they garnish your pay (as little as it may be) and sue the pants off you

Have a good holiday!

I will return within two weeks with an update and perhaps a class action law suit against Capitalone Auto Finance...

- Before you return perhaps you should look up a few things.  Such as what are your grounds for filing the suit.  Then perhaps you should do some checking beyond the buzz words like "Class Action Lawsuit" and see what it actually takes to file one. 

As to your situation.

The dealer takes my down payment and then hands me a contract for 66 months, what?????? Like a fool, mistake number two; I accept, with the intent of correcting this with capital one... WRONG!!! Capital One tells me there's nothing they can do and that I locked my self in...

- Were you forced to sign the contract..NO.  Even though it was for 66 months you decided to still go with it.  Capital One does not have Pre-Payment Penalties(at least as far as I ever saw).  If you had a 60-Month loan your payments would have been higher.  There is NOTHING keeping you from sending in additional money to pay down the balance quicker.  How do I know...I did the same thing with them and paid off a loan about a year early, saving quite a bit of interest.

Then it appears that you were late once, missed two payments causing them to send a letter to cure(basically a chance to get caught up before they repo the car).  You did have issues because you were "forced" to change your checking account.

My final payment comes along , with the fee's and all it's over $1,600.00 bucks and totally unexpected... I never signed on for a ballon payment and as far as I know it's the law that a creditor is to be notified in writing if his or her payment is going to change.

- If you look back at the deferment paperwork it is very likely that this comes from there.  The deferment lets you skip payments but moves the payments to the end of the loan in addition to the additonal interest.  Just about every company that does deferments moves these amounts to the end of the loan as a "ballon payment".

But when you do file your suit please be sure to post all of the information here so we can all follow it.

I am sorry that you went through so much. I have been getting the letter in the mail too for years, and I now need a new truck, as mine is old and have been thinking about calling Capital One about a loan. Thank you for taking the time to post this, because it saved me a lot of headaches. I am a woman with a disabled husband and occasionally am late on payments and I see that would be awful for me if I got this loan. Again, thank you for taking the time to post. Will be looking forward to your update.