Consumer complaint received 2018-12-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/XXXX, me and my mother were curious about getting new vehicles at the dealership located in XXXX, XXXX  called " XXXX   XXXX, XXXX and XXXX ''. We filled out information both my mother and I. We were than approved for 2 vehicles, .. one XXXX XXXX XXXX for her and XXXXne XXXX XXXX XXXX crew cab for me.. anyways these vehicles were meant to be reliable transportation for us to get work and back home with no problems ... we were one another 's cosigner for the vehicle along with XXXX for a down payment. The following morning me and my mother returned to the same dealership to finish filling out the legal documents and forms as well as pay lot fees etc. 
We were able to drive off the lots that day knowing that our 1st bill would be XX/XX/XXXX, her financial company is XXXX,. Right away hers was set after several visits to the dealership, .. as for me? 
MY DEAL FOR THE XXXX XXXX XXXX was still in the air and were never given a confirmed financing company until XX/XX/XXXX. My mother and I were under the impression that they would just ask for the truck back since it took so long for them to find a finance group ( capital one auto finance ) which is now the financial service group for the vehicle. Anyways I made a late/short payment of XXXX because that was all I had at the time ... due to an arrest for a warrant I was arrested in XXXX on XXXX this through what I had saved up for the payment of both vehicles ... also I was never given a full 30 days to prepare for a payment for the XXXX XXXX XXXX XX/XX/XXXX ) was when capital one notified me and introduced themselves as my financing company. The payment of XXXX was made around XXXX that was all I could afford due too court and legal fees for my previous arrest in XXXX 
So they didnt really work with my situation in that part. 
On XX/XX/XXXX I was also pulled over on my way to work in the XXXX Ram 1500 for no reason was my belief, but when the officer ran my name, it appeared that I had a suspended license but also had on original dealership plates. Never received my official XXXX  license plates. So that was the officers " probable cause '' too pull me over ... 
After being compliant and reasonable the XXXX officer towed and impounded my truck for a mandatory 30 days ... 
After the 30 days was over the Towing company who was holding my vehicle notified Capital one and said my vehicle was abandoned or was intending to sell my vehicle ... the cost of the vehicles release was going to be 700+ dollars that's not including the XXXX towing charge.. 
Anyway, I was prepared to take the vehicle out of impound. But come to find out I wasnt notified that capital one came and repossessed my vehicle for a " violation of our agreement '' that i was intending to sell the vehicle ... so after calling and figuring out what to do next I called the financial service ( CAPITAL ONE AUTO FINANCE ) and the lady said my truck was now in a different city. At a capital vehicle recovering two yard waiting to be auctioned off ... for the XXXX I was able to put some cash down to prevent the auction date and the agent granted me 10 days .. I have to now pay for they're miscommunication mistake and now pretty much pay 2 different impound fees which added up to be is XXXX along with a XXXX payment that was for the vehicle itself ... I was never delinquent on payment ... that and only drove the truck for only a month and it got impounded, its embarrassing when I heard my truck wasnt even in the same vaccinity as me ... this isn't fair and isn't right ... as if I was 90 days past due for the payments and as if I were trying to sell my vehicle I didn't have access too. I REQUEST that they give me a full 30 days for making a payment, and also help pay for the impounding because I was never delinquent. The vehicle was in my eligible for release on XX/XX/XXXX. 
The recovery company came and repossessed the vehicle on XX/XX/XXXX. 
I was coming back from work/out if town to get the vehicle and her it wasnt in XXXX XXXX towing.. it is now in XXXX, XXXX at a place called XXXX XXXX XXXX. Scheduled for auction XX/XX/XXXX ...

Company response to consumer: Closed with explanation