Consumer complaint received 2024-07-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

To XXXX, Attny General, Federal Trade Commission, Capital One Cc XXXX XXXX XXXX Subject Capital One To whom it may concern, My name is XXXX XXXX. The account I am calling about is XXXX. I have had a very unprofessional time for the past 2 days with Capital One Automobile Loan. It started when I received a statement from Capital One in XXXX saying that my next payment was not due until XXXX the XXXX, I was perplexed wondering why. So I contacted Capital One Auto to find out why my payment was skipping a month. They said that since I was sending extra toward my payment every month my due date was pushed up a month. I said it wasn't the extra payments going toward the principal on my loan ; at which time they said no, in order for more to go on principal I had to make my payments on their website. I was very upset about this because most companies when you send extra each month automatically put it towards principal.My payments every month were {$310.00} I had been paying {$350.00} every month since the beginning of my loan. Thinking {$30.00} was going towards my principal. So I figured I would just pay {$300.00} for the month that I was not scheduled for a payment and put all of that towards my principal. I went onto Capital One automobile website and made a payment of {$300.00} and HIT THE BUTTON THAT SAID PRINCIPAL. I figured I would take a look in a couple of days to see what that put my principal at ; and much to my surprise I saw {$130.00} towards my principal, and {$160.00} towards Interest! I called to get this taken care of and talked to XXXX employee ID XXXX, I explained my problem and she said she would have to transfer me to someone that could help with this problem because she was unable to do that. I then got transferred to XXXX employee ID XXXX at which time I went through the whole problem with him, he stated that he would have to transfer me to someone that could handle that because he could not help me. I was getting very perturbed at this point, he then transferred me to XXXX employee ID XXXX so once again I went through the whole thing again and he told me he could not handle this problem so I told him at this point I was going to turn them into the attorney general, Federal Trade Commission, and the XXXX  at which time he stated that only someone that was in the presidential office could help me with this! ( not to my surprise ) at this point I was very angry.. And I am sure it was coming across in my voice. I was then transferred to XXXX employee ID XXXX and please keep in mind each time I had to go through the whole thing again. Each time I talked to someone they tried to tell me that my bank did that.. Not them. And each time I told them that is not true I already talked to my bank and they said they didnt receive anything from me to pay Capital One, but they did receive a transaction from Capital One requesting a payment from my account in the amount of $ XXXX was the rudest one I talked to so far and after explaining to her that I could get proof from the bank she still said I was a liar so I hung up on her, after I verified that only XXXX would be taken out on XXXX XXXX XXXX for my regular monthly payment and she would also schedule a payment of {$44.00} that would go towards my principal as I requestedshe was so rude I ended up hanging up on her. Then I thought oh no maybe I shouldnt have hung up on her because she had access to my account and might do something to it. So I called in to make sure everything was correct and much to my dismay the recording said they had taken out {$300.00} on the XXXX  and there was another payment coming out on the following day in the amount of $ XXXX.I then requested to speak to a representative and was given to XXXX employee ID XXXX and once again I had to explain everything that went on from day number one and I am sure it came across in my voice he said he would have to transfer me at which time I was transferred to XXXX employee ID XXXX  he was the only person I talked to that was professional he then apologized and got me settled down and told me I would have to be transferred to the president 's office at which time I told him I did not want to speak to XXXX because she verified with me yesterday everything but yet I had {$300.00} scheduled for a second time to come out. I KNOW XXXX did this on purpose because I hung up on her.XXXX  was very professional and got me settled down and at that point I told him he could transfer me to the president 's office as long as it was not XXXX. I was then transferred to XXXX XXXX at which time I had to go through everything again at that time she said I was incorrect about the order at which I gave her and that no one changed anything on me because they had to be on the phone with me in order to change anything, I then said well they must have changed it while I was talking to them but everything I told her was true she once again accused me of being a liar at which I stated please verify everything with me so I knew what was going on with my accountand I said as a matter of fact please take off the amount of {$44.00} that was supposed to go to PRINCIPAL only on XXXX the XXXX  because I no longer had any trust in the company that I have been dealing with for so many years, last three car loans and credit cards for many years, but this would be the last time I ever do business with Capital One. 

XXXX XXXX XXXX XX/XX/year>