Consumer complaint received 2016-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I fell at work XXXX feet and sustained XXXX. I was out of work from XX/XX/XXXX the day of the accident until XXXX/XXXX/16 when I was allowed to return to work. Capital One knew I had been hurt and was out of work, my workmans comp case was originally approved for {$970.00} per week, almost 30 days after my accident the XXXX XXXX, XXXX XXXX decided to deny the claim so I received no money for two months. I kept in contact with capital one all this time I tried to make two payments one for {$420.00} and one for {$320.00} I told them that I was applying for short term XXXX since the workmans comp was denied and that it would be some time before I had payment. They also knew that I had obtained legal counsel XXXX XXXX XXXX to sue for the back wages and medical bills. I let capital one know that when I received the law suit money I wanted to pay the loan off. approximately four weeks before my court date Capital one without letting me know by phone or by letter came and took the car it was driven to XXXX XXXX all my personal belongings were thrown in boxes I had money stolen from the car it was not in the boxes I called Capital one and they said they had no control over what the repo company did but they are the ones paying them. My employer did not pay me the proper short term XXXX payments some weeks I only received {$300.00} for two weeks time, there was no money for me to make any kind of payment. I had money in my XXXX XXXX 401 K I tried to take it out on a medical basis and they would n't accept the medical bills because there was no insurance payments but I told them that workmans comp denied the claim so there was n't going to be any insurance payment. I then took out a loan to try and get the car back and Capital one has moved the car from the state I am in XXXX and put the car in XXXX, so it puts undo stress on me to have to drive down there and drive back in the same day I asked Capital one to please move the car back to XXXX and they are refusing. If they would have told me if they do n't receive payment there were going to go through the repo process I would have taken the loan out like I did and pay for the car before it was taken now there is more money I have to pay for the " holding charges '' and the repo charges and it goes on my credit again. None of this had to happen if they would have communicated with me I would have told me please wait and let me take the loan out and get what ever funds to them, now I have no car and have had to loan one which is more expensive than a payment and I ca n't get another car with this one car with them in repo status what am I to do the court date is XX/XX/XXXX settlement will be made they already had the deposition and the attorney said to get the bills together they would pay. I do n't understand why they did n't communicate with me or send something in writing I really feel they took advantage of me now my car is in another state and I had my stuff stolen and more charges to pay then I can afford now.

Company response to consumer: Closed with explanation