Consumer complaint received 2024-05-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I am disputing the signatures on the Retail Installment Sale Contract Credit Document / Federal Truth-In-Lending Disclosures and The XXXX Gap Warranty. The signatures on the XXXX extended Warranty are my signatures but the signatures on the Retail Installment Sale Contract Credit Document / Federal Truth-In-Lending Disclosures that is not my signature I don't know whether the salesman XXXX XXXX XXXX XXXX changed the documents before he sent them into Capital One Auto also in the Federal Truth-In-Lending Disclosures it stated I made a {$1500.00} down payment I told XXXX XXXX I was not making a down payment XXXX My complaint also is with XXXX XXXX. I purchased the XXXX XXXX XXXX along with gap insurance from XXXX I did not purchase or sign a contract with XXXX I wasn't aware AssurantI bought XXXX. I found this out when I filed the claim for the remaining balance I owed on my XXXX XXXX after it was stolen and XXXX XXXX totaled loss due to the transmission needing to be replaced. When I filed the claim XXXX XXXX denied my claim because I drove for XXXX XXXX and Share even though the car was parked when it was stolen, I found out when I returned from my vacation. I was also told by XXXX XXXX Customer Service Supervisor XXXX XXXX XXXX XXXX An Assurant XXXX | XXXX ext. XXXX. I am confused about my gap insurance information because my contract was purchased with XXXX, I received a letter from XXXX XXXX XXXX XXXX because I drove for XXXX even though my car was parked when it was stolen. XXXX sent me a front page copy of the contract that I signed when I purchased a XXXX XXXX XXXX and one contract was filled out and signed by myself the other copies the top part typed and filled out with no signature the other contract was blank with no signature. Now I owe Capital One Auto {$5100.00} even though I had {$25000.00} uninsured motorist coverage with XXXX XXXX. Hence, they refused to pay the total amount to Capital Auto because my car was stolen, and they did not have anyone to recover their loss I noticed one on my Capital One original loan had 65 months and on the Federal Truth-In-Lending Disclosures it has 72 month payment so which one is it 65 months or 72 months? Now my credit is all messed up and I am without transportation my car was my means of income that is how I made my income without it my life has been turned upside down. I feel like both the insurance companies have let me down as well as XXXX XXXX XXXX I spoke to XXXX XXXX on XX/XX/XXXX, in XXXX XXXX XXXX XXXX. Regarding the signatures on my Retail Installment Sale Contract Credit Document / Federal Truth-In-Lending Disclosures being wrong he asked me to email him the documents I did not hear back from him so I reached out to XXXX XXXX again on XX/XX/XXXX, at XXXX am. XXXX XXXX asked if I signed a tablet, and I told him I signed all my documents with an ink pin. Then he told me that his boss would be in the office after the holidays, and he would have him call me but I never heard back from anyone at XXXX XXXX XXXX XXXX.