Consumer complaint received 2017-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
The reason I picked up the phone to contact an attorney was because I felt that XXXX XXXX handled my repossession very poorly. From day XXXX, I had never received any of the formal paperwork they coughed up for you ... I did n't even know who towed my car until I got a hold of XXXX ( the storage facility in XXXX ) I was in contact with XXXX XXXX the whole incident ; they ( XXXX ) were working with me extending the 15 days so that I could get up the money for my car. I let them know that I was applying for a grant called that XXXX and that would be enough to pay them. XXXX ( storage place ) let me know that my car was nowhere near ready to be sold ' and XXXX had given me the last retrieval date of XXXX/XXXX/2016. ALL were in agreeance with this if you looked into the phone records. 
I made the payment at XXXX XXXX on XXXX as agreed by myself and XXXX XXXX as the last day they would allow me to retrieve the car. Payment was made over the phone and so I called XXXX ( storage place ) to confirm the payment wired was received. The representative had received the release from XXXX XXXX but I had to make an appointment to pick up the car. I then contacted XXXX for the next steps and the women informed me that I needed an appointment and tags because when the cars go down they have no tags attached ... so I would have to re -register my tags in order to drive off with the car. ( Problem # 1 ) NO ONE informed me that throughout this process your tags may be destroyed or thrown out, etc. As I stated before I did n't even know who towed the car, XXXX gave me all the contact info to the towing company that assisted the repossession. 
I called them and they told me that my personal things ( which were none ) had been thrown away after 30 days, I said that 's fine I took all my stuff out of the car while I was on the phone with XXXX XXXX ( at the time of repo ) I informed her that I just wanted my tags ... she said hold, I 'll check. She comes back and said, surprised we still have them, I get their address so that I can pick it up. ( Problem # 2 ) They charged me a fee in order to get my tags back which was never discussed over the phone! ( I thought that XXXX, even in an accident they allowed me to take my tags, why were they not returned to me and no one called me from the storage place at any point to pick up anything ... let alone a 30-day time frame ). 
So we got the tags, we call XXXX to register and they inform me that the car was no longer in my name???? As of when? I asked XXXX /2016 ( Problem # 3 ). So I called XXXX XXXX and asked what happen, the representative said that they had put that paperwork in with the state, I asked her when and she said XXXX/XXXX/2016, so I then asked her WHY would XXXX File paperwork to remove my title possession the same day WE agreed on the retrieval date??? She said hmmm ; uh ... let me call you back? Next day XXXX/XXXX/16 ( the day we were schedule for XXXX ) we had these tags ( not legal ) and no title, finally reached this XXXX and she informed me that I needed to sign this POA in order to get my title back .... I could not register my tags because it was NOT in my name and because the title is still attached with them XXXX said that my tag and title are not linked that is why I kept getting the error message online even though XXXX had sent me a renewal form to my home, even though I sent POA paperwork in XXXX. 

I can not register my car or get an inspection done, I have to work/ school or they will repo again for nonpayment and as of XXXX 2016 I submitted a 2nd/ POA for title to be put back in my name and every time I call I am given the runaround. 
Is there a claim that I can file for emotional pain/ trauma

Company response to consumer: Closed with explanation