Consumer complaint received 2024-10-21
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In the year XXXX, I was working for XXXX XXXX XXXX and over The moon that I just had my first child with my high school, sweetheart & that I had over five years of employment history under my belt. I decided to get a car loan from XXXX XXXXI dont remember the city* for a XXXX XXXX XXXX XXXX . The first year or 2 were amazing, and then I started having engine problems and problems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Luckily, in the mail, I received a notice that XXXX was doing recalls and my car just happened to be one that was eligible for the XXXX XXXX and a lot of other upgrades to parts that were defective XXXX XXXX XXXX recalls. I remember my driveway had the worst XXXX XXXX in it from my XXXX XXXX, and one day on the way to work car just shut off. I called XXXX XXXX in XXXXXXXX XXXX and scheduled an appointment went to drive my car and the car literally shut off in the entryway of XXXX XXXX XXXX XXXX in XXXX, some salesman help me push the car to the area where I can get the car serviced. Unfortunately, I was at the car dealership for a lot of hours so my insecure husband accused me of cheating, and later that night tried to XXXX XXXX XXXX XXXX XXXX of my XXXX XXXX I fled to a XXXX XXXXXXXX XXXXr in my hometown and called my job and told them I was relocating and going to find a new job out of this area. I also called Capital One Auto Finance who financed my auto loan to see my options. I let them know I was in financial distress and my husband had stopped paying the car payment and I had to quit my job and I was afraid our only transportation was going to get repossessed but I didnt have access to my mail because I was living in the XXXX XXXXXXXX XXXX so I needed them to email me communications so I could try to stay on top of it. I ended up doing a safety transfer to a new XXXX XXXXXXXX XXXXr, and in the two week quarantine, we were not allowed to have our phones and we had to take our XXXX cards out of our cell phones. I was not able to reach out to Capital One or to check my emails because I couldnt remember my password and I couldnt verify the special code they sent me via text to log into my Capital One on the computer at the XXXX XXXXXXXXXXXX XXXX to get access to my document electronically. The car was repossessed during a custody exchange in XXXX XXXXXXXX XXXX after I was living in a weekly hotel hiding from my husband I had enrolled my kids in school and came out one morning in the car was gone. I still dont know exactly what happened because me and my kids had a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX , but without the car because it had been repossessed inside the car I had over {$500.00} hidden in my safety plan bag that was in between the passenger seats and middle consule that I still never received back. The repossession happen in the year XXXX or XXXX. Im still not 100 % sure because its been a very crazy five years for me and my children. I need your help getting my loan information from Capital One and XXXX because they text me every single day, basically trying to still collect on this car and I am not, even happy that I never received the check that the lady said I was going to be receiving regarding the recall and all of the money I had already put into the car repairs when I called XXXX XXXX after me and my kids were discharged from the XXXX XXXXXXXX XXXXr to get my service records they told me that the company had a new owner and I was not able to obtain the service records to prove that I kept getting the car repaired there. I need your help getting to the bottom of this repo and harassing collection tactics. Finally me & my kids finally have apartment and live in a XXXX free home but we dont have a car and I cant work as a XXXX XXXX  or do XXXXXXXX XXXX anymore or get my kids to school. Im looking for a refund of car loan from Capital One And for them to stop, sending me text messages every day, collecting on a car when me and my kids are walking in the freezing cold to get to XXXX  every day. losing XXXX XXXX after years of paying them on time has ruined everything for me and has taken a lot of my independence and a lot of my income from me. I need your help resolving this matter with Capital One and XXXX. I dont have any of my documentation because we left with just a backpack.