Capital One Auto Finance Capital Auto Finance stole my car!! Plano Texas

In September I refinanced my auto loan from Sovereign Bank to Capital One Auto Finance. My first payment to COAF was due in October and I paid it in full.

November 1st my car was repossessed by Sovereign bank who claimed I owed them 2 months of payments. After calling COAF they informed me the car was paid off September 20th and provided me with the check number and amount which I passed on to Sovereign. Sovereign apologized for the screw up and told me as soon as COAF faxed over the copy of the check they would release my car and pay all fees.

Over the next 5 days I placed over 30 calls to COAF. I received no calls back until the 6th day. On this day COAF told me the check was never actually cashed and must have been lost in the mail. I asked why it took so long to call me back and what they were going to do now to help me get my car?

The answer was "I don't know." They still have not called Sovereign Bank to try and re-issue a check or to reconcile this issue. Meanwhile my car has been sent to another state and is being prepared for an auction.
I have told COAF I am not making my next payment and as a courtesy they should either make it for me or put it on hold until I regain possession of my car. They told me this was not going to happen and I am still responsible for this loan.

I have filed a complaint with OCC who regulates COAF, my Attorney General, and the BBB. I'm pretty sure my car will be sold and we will be going to court. Since I no longer have a car payment I guess I can save up for a lawyer.

Briggsv137
warwick, Rhode Island
U.S.A.