I've read most of the complaints and comment all I can say is freaking boo whoo… For people like me who is rebuilding credit, paying all my bills on time for the last 2 years and who has a car loan with a buy here pay here auto loan place. You guys are complaining of calls, repo's and reps? But yet your BEHIND on your own loan..Seriously?? with my " buy here pay here" auto place I pay every two weeks $300 if I miss 3 payments for WHATEVER reason they will REPO my car!!.. NO I DON'T NOT WORK FOR CAPITAL ONE for any *** saying I do. Let me rephrase my sentence about my type of repo.. If I miss a month and a half they will pick up my car. There aren't any phone calls or no collection reps trying to make arrangements on MY own.
Some of you folks have legitimate reasons to be upset but the other half who's complaining about "false" repos..the multi phone calls a day was their way of saying " DANGER " … sadly to say I'm upset because I would love to have capital one or any other bank finance me a car with my credit. I understand stuff happens but it isn't the bank fault it's up to you to clean up the mess in your life. After having credit issue for so long I decided to research "˜ how credit works "˜ … a lot of you people don't know what a "˜ simple interest loan' is and what's the difference between your rights and the company right… Because if you understood these those two you people wouldn't be complaining. Stop signing contracts that you don't total agree… "But I had no choice my elderly grandmother has doctor appointments" stop it!! That's your life start making better decision!!!!!
The biggest laugh I had today reading these complaints were the people who stated the repo AFTER arrangements were made??? People the arrangements you made with capital one auto finance was the signing of your contract. Which states "I will pay capital one auto finance on such day for how many months until total amount is paid " it's fair to say MOST of you people are financial idiots. Good day!
Product or Service Mentioned: Capital One Loan.