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Report: #1495246

Complaint Review: Capital One Auto Loan - Plano Texas

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  • Reported By: Maria — Villanova PA United States
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  • Capital One Auto Loan Plano, Texas United States

Capital One Auto Loan I'm 30 months into my 60 month Auto Loan, and permitted Capital One to automatically deduct my car loan payment every mid-month (15th) from my Checking Account. All was fine until this month, when I get TWO dunning emails that I was late in MAKING MY PAYMENT, which was "due on the 7th" rather than the 15th, when they were to do an auto withdrawal !!! Plano Texas

*Consumer Comment: What does your contract state?

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I tried to reply to their email address on my dunning email, but it gets rejected as " Delivery to the following recipients failed permanently." Then I tried to contact their Customer Service on their website, but couldn't remember my password, and it was impossible to reset my password, due to their claiming my "cellphone # could not be verified" - hence, they could not text me back my validation code. Then I tried calling their only visible phone number, and it took me 15 minutes of phone tree hell to get through to a person.

I'm hard of hearing, and their employee spoke rapidly, and with an accent, such that I could not make out what he was saying. It seemed like he was reading from a long script, giving me a convoluted and nonsensical answer, and could not answer my questions with a simple "yes" or "no." I finally asked him to put his answer to me in writing, via an email, so I could better understand what their problem was. He said he would, but I never got this email, and feel that they're going to demand a late payment fee from me for May, and they stated in their email that my next payment was due JUNE 7.

I feel so frustrated, that after spending all this afternoon, trying to get my due date changed back to a week later, it was a wasted effort, and I still don't understand how or why this happened. How can they dun me that THEIR auto-payment deduction was LATE, and I would be penalized - and there are too many inexplicable hurdles put in the way to contact them, to fix their unwarranted due date change.

This report was posted on Ripoff Report on 05/14/2020 02:27 PM and is a permanent record located here: The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 Consumer Comment

What does your contract state?

AUTHOR: Robert - (United States)

POSTED: Friday, May 15, 2020

When you got the loan, you were given a contract that stated what your due date was. What is the due date on the contact?

Because companies do not just change due dates on the contracts, so at any time in the last 30 months have you attempted to change this date? Did you ever defer or ask to skip a payment?

As for your Auto-Pay, you can "authorize" it for any time. But if the date is after your due date you are paying late.

There is likely things you are not mentioning. As either they did just change your due date, but that is the least likely. More likely is that your due date was changed, and you know why, or your due date was never changed and you have been paying late. It is also possible that their last attempt to withdraw the funds was rejected. Were the payments being withdrawn from your bank account?

Now, as to your experieence in contacting them. The e-mail you got came from an e-mail address that likely isn't monitored which isn't uncommon. If they don't have your valid contact information then yes any verfication for your identification isn't going to match. This again is for your security. As for trying to call them. This took you 15 minutes to get to a person? With many company people would PAY if they could get to a person in just 15 minutes.

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