I am writing to educate the consumer in the area of using Capital one auto financing in Texas as a source to finance your automobile. I purchased a vehicle and was finance by capital one auto financing January 2011 and never missed a payment and never made a late payment for 29 months. Last year June of 2012 I became ill with severe pains due to a back injury and was unable to walk. Heavilly medicated and totally dependent. I explained my illness to Capital One Auto Financing in Texas. Capital One had no empathy for my illness and still don't today. I have been struggling and borrowing to keep my payments up. Captal One stated in March of this year 2013 that I will be eligible for an extention after 12 payments which would be this month August 2013. My 12th payment mysteriously did not get posted nor was it received according to capital one rep. (Mary Ann Tao) Strange and coincidental to me after making 28 payments for over 2 years and soon as I am eligible for a extention the payment disappears. I continuously tells capital one I am ill and heavily medicated. This pressure and attitude by capital one has over worked me and stressed me out. Yesterday capital one ask me to make copies of the receipt and fax it to the operations specialist. I immediately complied. I called this morning and was told the fax was not readable. No one called me and stated the fax was not readable. Now someone from capital one is calling me 2 to 3 times a day talking about this payment. This is stressful, deliberate intent to aggravate and agitate. To keep going on and on about this payment. Now I am told to call the currency exchange to find out if the money order had been cashed by capital one. As a consumer I have the responsibility to pay you each and every month as agreed, according to the contract. I did my part by sending you the payment like always. I furthermore stepped out on the limb to fax you copies of the receipts. Now you attempt to have me do more. I do not work for capital one. My illness and pain is overbearing, I can bearly sit up. The stress of trying to make payments is overwhelming alone and these people create more stressful problems with their methods and policies of manipalating the consumer. Today I am a victim with a handful of receipts and monitored recordings transpired by me and capital one reps. (I did advise capital one reps the calls were being monitored and recorded) If a lawyer or someone is knowledgeable in this area please help.
I had an auto loan through Capital One Auto, and in March of 2008 the car was repossessed. In October of 2009 I started receiving calls from Portfolio Recovery trying to get me to arrange payment of my balance after the car was sold. Eventually I stopped working with them because there simply was no way I was ever going to be able to come up with the money to repay the balance.
Less than a year later I was attempting to purchase something and my credit report was run. I was told I was turned down for credit because I had a repo within the last year. It turns out that during the time I was working with Portfolio Capital One reported that I had made a payment on the car in October of 2009. I wrote two letters to Capital One asking them to please fix the problem and show that I did not make the payment as they said I did. I sent these registered with delivery confirmation. I did not get a response from them.
Eventually I forgot about the incident and didn't give it much more thought. Time went on and after anothet year it was no longer causing me problems getting credit.
Fast forward four years. Today I received a call from Portfolio requesting payment on the balance on the car. I told them the SOL ran out a year ago, and she said that because I made a payment in 2009 the SOL had actually not run out.
So, what do I have to do to get Capital One to fix this problem? And is this Capital One's mess up, or Portfolio's? My credit has gone down the tubes since I became disabled, which is why I had to let the car go back in the first place, but I have recently managed to make arrangements with all my creditors and all the nasty phone calls have stopped, a nd I don't want these people starting to call me.
Capital One Auto Finance Reviews
I am writing to educate the consumer in the area of using Capital one auto financing in Texas as a source to finance your automobile. I purchased a vehicle and was finance by capital one auto financing January 2011 and never missed a payment and never made a late payment for 29 months. Last year June of 2012 I became ill with severe pains due to a back injury and was unable to walk. Heavilly medicated and totally dependent. I explained my illness to Capital One Auto Financing in Texas. Capital One had no empathy for my illness and still don't today. I have been struggling and borrowing to keep my payments up. Captal One stated in March of this year 2013 that I will be eligible for an extention after 12 payments which would be this month August 2013. My 12th payment mysteriously did not get posted nor was it received according to capital one rep. (Mary Ann Tao) Strange and coincidental to me after making 28 payments for over 2 years and soon as I am eligible for a extention the payment disappears. I continuously tells capital one I am ill and heavily medicated. This pressure and attitude by capital one has over worked me and stressed me out. Yesterday capital one ask me to make copies of the receipt and fax it to the operations specialist. I immediately complied. I called this morning and was told the fax was not readable. No one called me and stated the fax was not readable. Now someone from capital one is calling me 2 to 3 times a day talking about this payment. This is stressful, deliberate intent to aggravate and agitate. To keep going on and on about this payment. Now I am told to call the currency exchange to find out if the money order had been cashed by capital one. As a consumer I have the responsibility to pay you each and every month as agreed, according to the contract. I did my part by sending you the payment like always. I furthermore stepped out on the limb to fax you copies of the receipts. Now you attempt to have me do more. I do not work for capital one. My illness and pain is overbearing, I can bearly sit up. The stress of trying to make payments is overwhelming alone and these people create more stressful problems with their methods and policies of manipalating the consumer. Today I am a victim with a handful of receipts and monitored recordings transpired by me and capital one reps. (I did advise capital one reps the calls were being monitored and recorded) If a lawyer or someone is knowledgeable in this area please help.
I had an auto loan through Capital One Auto, and in March of 2008 the car was repossessed. In October of 2009 I started receiving calls from Portfolio Recovery trying to get me to arrange payment of my balance after the car was sold. Eventually I stopped working with them because there simply was no way I was ever going to be able to come up with the money to repay the balance.
Less than a year later I was attempting to purchase something and my credit report was run. I was told I was turned down for credit because I had a repo within the last year. It turns out that during the time I was working with Portfolio Capital One reported that I had made a payment on the car in October of 2009. I wrote two letters to Capital One asking them to please fix the problem and show that I did not make the payment as they said I did. I sent these registered with delivery confirmation. I did not get a response from them.
Eventually I forgot about the incident and didn't give it much more thought. Time went on and after anothet year it was no longer causing me problems getting credit.
Fast forward four years. Today I received a call from Portfolio requesting payment on the balance on the car. I told them the SOL ran out a year ago, and she said that because I made a payment in 2009 the SOL had actually not run out.
So, what do I have to do to get Capital One to fix this problem? And is this Capital One's mess up, or Portfolio's? My credit has gone down the tubes since I became disabled, which is why I had to let the car go back in the first place, but I have recently managed to make arrangements with all my creditors and all the nasty phone calls have stopped, a nd I don't want these people starting to call me.
Please help.