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

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.