We had the unfortunate experience of having a car repossed due to falling behind on payment due to a work related injury and surgery. Capital One was not helpful at all.
A verbal agreement was reached to pay $xxx dollars a month until paid. In Oct 07 we received a voicemail to contact them. After more than 20 phone calls we finally got to talk to a person. Everytime we called their voicemail was full and would not connect with anyone.
We have met the verbal repayment agreement and now Capital One has notified us that at the end of December 07 all account of this type will go to a collection agency. Capital One has failed to live up to their end of the agreement and apparantly nothing can be done. They are liars and cheats.
I wish I had never heard of them, let alone do business with them.