Complaint Review: Capital One Auto Finance - San Diego California
- Capital One Auto Finance 401 West A. Street, Ste.100 San Diego, California U.S.A.
- Phone: 800-689-1789
- Category: Car Financing
Capital One Auto Finance ripoff misreporting on credit report and refuse to correct it San Diego California
*Consumer Suggestion: You do have rights!
We went in on 3/13/04 to do that and were offered an extremely better interest rate through another company. A check was sent to Capital One for the payoff of the car by the dealer immediately. After making our first payment to the new finance company on 4/27/04, the same week we received a statement from Capital One saying we were 2 months behind. We contacted the 800# listed on the statement and after spending an hour on the phone with 5 different people, we thought everything was straightened out and that their records were updated.
A week later we received a letter saying there was still a $221.00 balance after the payoff, we contacted our dealer and they in turn contacted Capital One to inquire about the discrepency. This battle over the $221.00 went on for over 2 months. During this time, we were buying a house and when our credit report was pulled, we found out Capital One had submitted a negative credit rating, saying we were over 30 days late. We spoke with person after person saying it would be taken off our credit, that we would receive a letter saying we didn't owe the money and that it had been paid in full and to this date, we have yet to receive any of it.
I called a month ago and they can't even 'find us' in their system. Do NOT use this company, we knew nothing about them when we bought our car the first time and had we known this, we wouldn't have bought one if they were our only option for financing, which they weren't. The reps we have spoken with have shown no remorse for the way their compnay operates and no one wants to take any responsibility for their mistakes.
This report was posted on Ripoff Report on 10/12/2004 06:21 PM and is a permanent record located here: https://www.ripoffreport.com/reports/capital-one-auto-finance/san-diego-california-92101/capital-one-auto-finance-ripoff-misreporting-on-credit-report-and-refuse-to-correct-it-san-112660. 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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