Consumer complaint received 2020-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Capital One sent Police to my fathers house, and told my father about my debt for my car. I received a phone call 4 hours after talking with Capital One. This call was from my father, and it opened with " are you having a problem with the auto finance company? There are 3 police here looking for you ''. 

I went to XXXX for 3 months on a volunteer work trip. I returned from XXXX to the United States at the very end ofXX/XX/XXXX 2019. While abroad, I contacted Capital One during a date where I had internet access to complete my phone call. The agent suggested we set up weekly automatic payments. I obliged. 

Upon returning from XXXX, I closed my account with XXXX. Payments on the car would have to bounce 4-5 times before I would be considered past due. There is also a delay of a week or two, meaning 7 payments that were destined to fail would have been automatically filed by Capital One prior to any attempts they would have made to contact me. 

On XX/XX/XXXX, I was in a motor vehicle accident with a semi truck with a 60ft trailer. The car suffered damaged, and more importantly, I was injured. I have XXXX in my XXXX and lower XXXX. I have been undergoing the best care I can get post injury. I have a lawsuit against the trucking company. Florida XXXX XXXX deemed the truck driver at fault. 

Due to the accident I am unable to do any labor intensive work, or any heavy lifting. I have adapted and become dependant on my photography work. 

Due to Covid-19, most of the world is being forced to stay at home. My customers have stopped contacting me for work. I am still adapting to the challenges in front of me, and I still am able to scrape together an income. 

Capital One has shown neglegance by failing to take action after a few rejected ach payments. Capital One failed to pause payments and contact me. Capital One has placed limitations on my account limiting my ability to make ach payments. 

I have attempted multiple times to pay Capital One, and they have verbally refused my payments. I contacted Capital One near the end of XXXX to make a payment. They refused to accept my ach payment from XXXX XXXX. I requested a call back from a supervisor. Nobody called me back. 

I contacted Capital One in the end of XXXX to make a payment again, and point out that nobody called me back. They refused my payment. They requested a callback from the 'office of the president ' On XX/XX/XXXX, I received a call from a representative who again refused to accept my payment. I told them I would damage the car further if they refused to accept my payments.i requested a call back from someone higher up so I could appeal this decision. The representative just kept refusing my payment and talking about how my credit would be negatively affected if I decided to leave the car disabled or abandonned and stop attempting to pay. We are in the midst of a global economic crisis, there is a global depression, and the very last thing I want to do is fight with Capital One. I feel Capital One is at a major disadvantage in this game of hardball, and they will be having a large number of customers defaulting on their loans. I am literally attempting to pay Capital One and they are refusing, during the lowest point in most people 's lives. People are dying left and right. 

This representative called the police and sent them to my fathers house. 3 officers had their time wasted, and my father humiliated by the appearance of 3 police cars in front of the house. My father and the police were told about my personal debt. They never should have been involved. Capital One is retaliating towards me. The police response was ~4 hours after finishing my phone call and requesting a call back from a manager in the office of the president. 

Due to these hostile actions taken by Capital One, I am doubling down on my stance, and I demand the ACH limits be lifted from my account, and my payment accepted. Otherwise, I would love to see who is selling their car in a few months so I can get a new one for cheap.

Company response to consumer: Closed with explanation