Capital One Auto Finance is a subprime auto lending company, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
What is Capital One Auto Finance?
Capital One Auto Finance, Inc. (Capital One Auto Finance) is a third-party auto loan company based in Texas. Capital One Auto Finance has received consumer complaints alleging improper billing, collections and communication tactics. If you have been contacted by Capital One Auto Finance, make sure you understand your rights before taking action.
According to public information from the Texas Secretary of State website, Capital One Auto Finance was incorporated in Texas in 1987. The Better Business Bureau (BBB), does not maintain a separate profile for Capital One Auto Finance, but established a profile page for its parent company, Capital One Financial Corporation, in 1994. The BBB’s profile page for Capital One Financial Corporation lists Capital One Auto Finance as an alternate business name.
The Capital One Auto Finance website informs site visitors that it has agreements with “participating dealers” that accept “Capital One Auto Navigator prequalification” so that the dealers “can offer financing to consumers like” them. “As part of” those agreements, Capital One Auto Finance “completed a vetting process to ensure that each participating dealer matches [its] requirements.” The website provides information for car buyers about prequalification and financing auto loans using Capital One Auto Navigator, and refinancing auto loans. According to the website, Capital One Auto Navigator allows a car buyer to be prequalified, work out the details of the car purchase ahead of time online, and receive an offer to take a participating dealer.
The website informs car buyers that Capital One Auto Finance is “here to help with [their] car buying journey.” It includes a “Learning Center” that car buyers can visit “to learn about financing, loan extensions, and much more.” It provides access to articles about how car buyers can find the right car, manage their money “wisely” and get a good deal. It also has tools to search for a dealer or a car, see interest rates, calculate auto loans affordability and monthly payments, get prequalified for auto financing or refinancing, check prequalification status, and see a financing or refinancing offer. The FAQs answer a series of questions about dealers, prequalification offer details, inventory, documentation, and refinancing.
The website does not provide a lot of detailed information about its business practices or compliance policies. It does include standard, legally mandated information about information privacy and security.
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How many complaints are there against Capital One Auto Finance?
The BBB has closed 4488 complaints against Capital One Financial Corporation in the past three years, with 1804 closed in the past 12 months. It does not separately list the number of complaints about Capital One Auto Finance, but a review of the complaints available online shows that the totals include complaints against Capital One Auto Finance. Those complaints allege problems with billing, collections, customer service, and improper credit reporting. Since April 2017, the Consumer Financial Protection Bureau (CFPB) has received 164 complaints about Capital One Financial Corporation that relate to its subsidiary Capital One Auto Finance and are listed under the sub-category of “vehicle loan or lease.”Justia and Pacer list at least 8 civil cases involving Capital One Auto Finance.
Can you help me file a No Fee Lawsuit against Capital One Auto Finance?
Absolutely. Here are some Sample Cases against Capital One Auto Finance, Inc.
According to information on the BBB’s profile page for Capital One Auto Finance’s parent company, and information available on the CFPB website, complaints against Capital One Auto Finance include billing, collections, customer service, and improper credit reporting issues. The negative reviews about Capital One Auto Finance that appear on the BBB profile page support these allegations.
In March 2015, a complainant alleged that the lender failed correctly to process a payoff and indicated that he filed a complaint to “expose the inept, poor customer service of this company.” According to the complainant, he paid off his car loan using the same checking account he used for regular payments on the Capital One Auto Finance website by selecting the “pay off” option on the website’s “make a payment” page. A few weeks later, the company called and reported that his monthly payment was past due. When the complainant checked the website, it showed the payoff and then showed the payoff was removed. The complainant indicated that the company claimed that the bank had “refused” the payment, but the bank had no record of a withdrawal attempt. During a lengthy phone call, the complainant made the payoff again, and the company representative told him the payoff was complete and he should expect the title. Capital One Auto Finance later called the complainant again and demanded further payment.
Also in March 2015, a complainant alleged that he paid his auto loan by automatic payment twice monthly, but the company failed properly to process his second monthly payment. According to the complainant, there were sufficient funds in his account to make the payment, but the company failed to withdraw it. The company then charged him late fees and reported negatively on his credit.
Capital One Auto Finance Contact Information
Capital One Auto Finance, Inc.
Capital One Auto Finance 7933 Preston Road Plano, TX 75024-2302 Telephone: 1-800-946-0332 Website: https://www.capitalone.com/
Capital One Auto Finance Calling You?
Understanding Your Debt Collection Rights
Consumers are protected from abusive debt collectors from the Fair Debt Collection Practices Act (FDCPA). By way of instance, the debt collector must identify himself or herself, who they’re working for, and what debt they’re collecting. The FDCPA claims that debt collectors can’t use any deceptive or misleading representation, like implying the debt is secured by the USA or any particular state. Additionally, they can’t use a badge or uniform to pretend they’re a government employee collecting a debt. Misrepresentation is a violation of the FDCPA and could be reported as such.
In case you’ve been a victim of a debt collector’s wrongdoing, then you can search for justice under the FDCPA. You have the right to pursue a claim against the debt collector; if you prevail, you can collect up to $1,000, plus attorney fees and court costs.
Want to Stop Capital One Auto Finance Debt Collection Harassment Now?
Your debt harassment checklist:
You are receiving multiple calls per week from third party collection agencies
You are receiving early morning or late night calls from debt collectors
You are recieving calls at work from a debt collection agency
Debt collectors are calling your friends, neighbors, or coworkers
Collectors are threatening you with violence, a lawsuit, or arrest
A debt collector attempts to collect more than you owe
You are being threatened with negative credit reporting
A debt collector attempts to intimidate you
Criminal accusations are being made towards you
Use of obscene language during an attempt to collect
Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200.
What Our Clients are Saying
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“I have to admit, I was not sure of y’all initially but you proved me wrong. You not only got the calls to stop but you have the company to dismiss the accounts once and for all! It had been more than I anticipated.”
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“I want to thank you and your team for all of the help you have provided to me. Honestly, you have a excellent staff who has dealt professionally and been very empathetic at one time in my life once I hit a speed bump.”
Can You Help Me Delete Capital One Auto Finance from My Credit Report?
We can absolutely help. Call us today.
Can Your Firm Help me Deal with Capital One Auto Finance?
The short answer is yes. Contact us now to find out more.
Sound Off!
Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.
About the Author:
Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."
I am a co borrower on a truck debt for my ex fiancé, after I had to get a retraining order we broke up. He stopped paying for the truck, Oct of last year I get letter from capital one for debt settlement. I try to do the options of 6 payments, then they would write off the rest and send me a 1099 c. I made 1 payment but since I had a loss in job I couldn’t make any more and they would not take a partial payment, so in Jan 2024 they said the agreement was canceled. In February 2024 I get another settlement letter less amount instead of 3777.00 payoff they want $2993.00 for pay off and I would get a 1099c and it would be reported to creditors as paid for less than the amount owed. This time I knew I should not do the payment. So from that last job I took out what I had in my 401k And sent them a cashier check for the lump sum amount and I sent it certified. I had till 4-25-24 to accept the offer, I sent it 4-2-24 they got it 4-5-24 they credited my account but put the payment on interest, but they have not settled the account as paid it still show’s delinquent and they have sent me out another settlement letter. Is there any way they can be made to honor their agreement? I was a tiny to get this taken care of and be done with them?
Ershel W
Got into a argument with customer service of trying to make a payment. I told him that the other customer service rep told me I can make half of my payment. This man argument me up and down telling me that if I don’t pay 749 in full, you break the plan and they gone repo your car. Now they telling me that if I don’t make the full balance. They taking my car and gone repo it. I have a contract telling me to make 352 every month but now they saying because I threaten a customer service rep. I will how to pay in full or turn car in to police or back to car lot. This is not fair and I’m looking for a lawyer to handle this case. I told them I need to make a payment of 2400 to get me back current and they still say they taking my car. This is not right because of a rude service rep and he was not expecting me to go back off on him for being rude. I ask him to sent me to someone else and to told me know and stood on the phone. They never called me back to discuss payments. They said we will be sending you a letter in the mail. I told them can I pay my car up In full and they said yes but you will still get a letter in the mail. I ask them what the letter gone be and they said we don’t know but mostly be either turn the car in. They never said anything. I said what’s the point of me paying it current when y’all gone sent me a letter and I don’t know what it is. So they said they sent me a letter but I never received a letter. They called me saying if I don’t pay in full of 14,655 then I will be get repo. I need a lawyer to talk to these rude people. I talked to a lady and she said well we take threaten seriously when this man argue me up and down about my car payment. I didn’t make any more payment because they never said any thing about the letter. They just said we denting you a letter. I talk with this lady and she said well we take threats serious when this man argue me up and done about what another customer service told me. Now my car is bout to be taken because of this rude customer service and not expected me to go off on him back sad.
Wes
I took out a loan December 2016 payments $211 per month 60 month totaling $12,660 February 2017 was the first payment. Made the first payment January 2017 and on all 3 credit bureaus my payment history was perfect 2017, 2018, January 2019- February 2020 minimum payments would have my balance around $5064 however I paid more then required on the loan and capital one even reported my balance then February 1 2020 $4229.00 and 24 months left on this loan. My Vietnam veteran, United States department of interior retiree father passed away February 6th in Nevada, I’m in Kansas and he made me personal representative. I became stuck in Nevada in the beginning of the pandemic without pay for two weeks of the 6 weeks I was there. They charged off my loan in may after I made a $300 payment, before it was 120 days late. They added repossession fees, late fees and all of this you can see on the documents they have sent to me after taking my car for repossession fees they added before they ever repossessed my car and before they should have ever charged off the loan. Then they sent an agreement for me to pick up my car here where I live by the 5th for $619 moving may and June payments to the end of the loan this after I paid $300 and another $150 going towards towing fees however I went to get the car and the car was already taken to auction in Missouri and I couldn’t afford to take any more time off work from all the time I already missed in Nevada. A total loss then the bill after auction for $657 they reported to credit bureaus the car sold for $3450 and sent to me a statement that it sold for $3600
Juan O
On December 27,2020 I had a payment come due. However, this month was tough as I had been positive for COVID as well been out of work that entire month. Come January I was late 12 days, so I reached out to the company for help. I spoke to a representative and he said he could set me up on a payment plan and broke up payments over three months. My first payment came out feb 25 for 444 dollars. All is well until feb 10 when I received a 30 day late notice and late fee. I called them and was transferred several times, dropped calls, and left on hold. Finally, I reached the escalation team. I Spoke to the rep and told him what happened.. he replied very arrogantly that although I was in a payment plan it was only meant to keep me in my car.. not to keep marks off credit. First of all I have never heard of any agreement that still sets you up for failure like that. Secondly it was never explained to me that this wools happen. Lastly, he also said I should just pay my bills .. I had enough. I went off as I had been through so much dealing with COVID and being out of work clear into January with short term disability.. I have never been so duped or disrespected by any company ever. They have the worst customer service as well very incompetent when giving information regarding your account. I reached out to the office of the president .. asked if they could review the issue again.. same response from their credit team in Plano , Texas headquarters. Stay far away from this company!
Cynthia
Make arrangements to get my car note caught. So then I get a call from the rep department talking about my account is being look at for Amount can I paid it. I was like I have already make arrangements to regarding my car note. Well those payments were not accepted and a manager deleted them. Wtf u mean a manager deleted them well their were make online and we don’t have your banking information. Ok I have always paid my car from my checking account and they said they don’t have it on file. So then I get a car telling to call back and set up my arrangements again because it was their fault. I call and I told them I will paid but I will use my debit card and call in my payments. I don’t trust capital one anymore.
John
Paid my loan on time and faithfully. Had deductions set up from my bank acct. Upon final payment I recieved a letter stating I owed additional money. Set up for that amount to be deducted the following month for additional payment, and upon the completion of that payment reported my debt as 30 days late. This canceled my pre-approvement for a home loan. I am a 100% disabled veteran and they just destroyed my chance of purchasing a home. Lazy crooked workers and business. Must be in some sort of cohoots with credit reporters or just inebt.
Roman
All the time when i try to make any arrangements about my loan the operartor acting like theyre the owner of the company when i call no one help me out just only one lady when i call again trying to talk to her again and ask question she doesn’t wirk and that department they repo my car i try to tell them i have a surgery and can make payment now one week to try get my car back but they want me to paying full amount.
F
Capital One has the worst customer service ever. Very rude and threatening comments. Buts it’s fine because I see a free vehicle.
Capital One Auto Finance is a subprime auto lending company, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
I am a co borrower on a truck debt for my ex fiancé, after I had to get a retraining order we broke up. He stopped paying for the truck, Oct of last year I get letter from capital one for debt settlement. I try to do the options of 6 payments, then they would write off the rest and send me a 1099 c. I made 1 payment but since I had a loss in job I couldn’t make any more and they would not take a partial payment, so in Jan 2024 they said the agreement was canceled. In February 2024 I get another settlement letter less amount instead of 3777.00 payoff they want $2993.00 for pay off and I would get a 1099c and it would be reported to creditors as paid for less than the amount owed. This time I knew I should not do the payment. So from that last job I took out what I had in my 401k And sent them a cashier check for the lump sum amount and I sent it certified. I had till 4-25-24 to accept the offer, I sent it 4-2-24 they got it 4-5-24 they credited my account but put the payment on interest, but they have not settled the account as paid it still show’s delinquent and they have sent me out another settlement letter. Is there any way they can be made to honor their agreement? I was a tiny to get this taken care of and be done with them?
Got into a argument with customer service of trying to make a payment. I told him that the other customer service rep told me I can make half of my payment. This man argument me up and down telling me that if I don’t pay 749 in full, you break the plan and they gone repo your car. Now they telling me that if I don’t make the full balance. They taking my car and gone repo it. I have a contract telling me to make 352 every month but now they saying because I threaten a customer service rep. I will how to pay in full or turn car in to police or back to car lot. This is not fair and I’m looking for a lawyer to handle this case. I told them I need to make a payment of 2400 to get me back current and they still say they taking my car. This is not right because of a rude service rep and he was not expecting me to go back off on him for being rude. I ask him to sent me to someone else and to told me know and stood on the phone. They never called me back to discuss payments. They said we will be sending you a letter in the mail. I told them can I pay my car up In full and they said yes but you will still get a letter in the mail. I ask them what the letter gone be and they said we don’t know but mostly be either turn the car in. They never said anything. I said what’s the point of me paying it current when y’all gone sent me a letter and I don’t know what it is. So they said they sent me a letter but I never received a letter. They called me saying if I don’t pay in full of 14,655 then I will be get repo. I need a lawyer to talk to these rude people. I talked to a lady and she said well we take threaten seriously when this man argue me up and down about my car payment. I didn’t make any more payment because they never said any thing about the letter. They just said we denting you a letter. I talk with this lady and she said well we take threats serious when this man argue me up and done about what another customer service told me. Now my car is bout to be taken because of this rude customer service and not expected me to go off on him back sad.
I took out a loan December 2016 payments $211 per month 60 month totaling $12,660 February 2017 was the first payment. Made the first payment January 2017 and on all 3 credit bureaus my payment history was perfect 2017, 2018, January 2019- February 2020 minimum payments would have my balance around $5064 however I paid more then required on the loan and capital one even reported my balance then February 1 2020 $4229.00 and 24 months left on this loan. My Vietnam veteran, United States department of interior retiree father passed away February 6th in Nevada, I’m in Kansas and he made me personal representative. I became stuck in Nevada in the beginning of the pandemic without pay for two weeks of the 6 weeks I was there. They charged off my loan in may after I made a $300 payment, before it was 120 days late. They added repossession fees, late fees and all of this you can see on the documents they have sent to me after taking my car for repossession fees they added before they ever repossessed my car and before they should have ever charged off the loan. Then they sent an agreement for me to pick up my car here where I live by the 5th for $619 moving may and June payments to the end of the loan this after I paid $300 and another $150 going towards towing fees however I went to get the car and the car was already taken to auction in Missouri and I couldn’t afford to take any more time off work from all the time I already missed in Nevada. A total loss then the bill after auction for $657 they reported to credit bureaus the car sold for $3450 and sent to me a statement that it sold for $3600
On December 27,2020 I had a payment come due. However, this month was tough as I had been positive for COVID as well been out of work that entire month. Come January I was late 12 days, so I reached out to the company for help. I spoke to a representative and he said he could set me up on a payment plan and broke up payments over three months. My first payment came out feb 25 for 444 dollars. All is well until feb 10 when I received a 30 day late notice and late fee. I called them and was transferred several times, dropped calls, and left on hold. Finally, I reached the escalation team. I Spoke to the rep and told him what happened.. he replied very arrogantly that although I was in a payment plan it was only meant to keep me in my car.. not to keep marks off credit. First of all I have never heard of any agreement that still sets you up for failure like that. Secondly it was never explained to me that this wools happen. Lastly, he also said I should just pay my bills .. I had enough. I went off as I had been through so much dealing with COVID and being out of work clear into January with short term disability.. I have never been so duped or disrespected by any company ever. They have the worst customer service as well very incompetent when giving information regarding your account. I reached out to the office of the president .. asked if they could review the issue again.. same response from their credit team in Plano , Texas headquarters. Stay far away from this company!
Make arrangements to get my car note caught. So then I get a call from the rep department talking about my account is being look at for Amount can I paid it. I was like I have already make arrangements to regarding my car note. Well those payments were not accepted and a manager deleted them. Wtf u mean a manager deleted them well their were make online and we don’t have your banking information. Ok I have always paid my car from my checking account and they said they don’t have it on file. So then I get a car telling to call back and set up my arrangements again because it was their fault. I call and I told them I will paid but I will use my debit card and call in my payments. I don’t trust capital one anymore.
Paid my loan on time and faithfully. Had deductions set up from my bank acct. Upon final payment I recieved a letter stating I owed additional money. Set up for that amount to be deducted the following month for additional payment, and upon the completion of that payment reported my debt as 30 days late. This canceled my pre-approvement for a home loan. I am a 100% disabled veteran and they just destroyed my chance of purchasing a home. Lazy crooked workers and business. Must be in some sort of cohoots with credit reporters or just inebt.
All the time when i try to make any arrangements about my loan the operartor acting like theyre the owner of the company when i call no one help me out just only one lady when i call again trying to talk to her again and ask question she doesn’t wirk and that department they repo my car i try to tell them i have a surgery and can make payment now one week to try get my car back but they want me to paying full amount.
Capital One has the worst customer service ever. Very rude and threatening comments. Buts it’s fine because I see a free vehicle.