Consumer complaint received 2015-05-02
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Starting in XXXX I started receiving calls from Capitol One regarding my loan for the XXXX XXXX that I am financing through them. I do not remember when we set this up but I was to pay a higher amount per month for XXXX months to get caught up. Well, the phone calls started anyway and XXXX person actually stated that if you are XXXX month behind they will call me. I paid in XXXX the amount they said with a different bank card. I set up auto pay but the bank card I originally gave did not have enough. In XXXX the calls continued and I was told twice I did not pay in XXXX. Well, I started ignoring the phone calls I do not like being called a liar. I paid at the end of XXXX the amount I was given. In XXXX I started a new job and how I was getting paid I could not pay the entire amount I agreed to so I called in and talked to a VERY NICE person. I told the situation and was told, " Go ahead and pay what you can and call back on next Thursday to pay the rest. Which was the first week of XXXX and I did. The calls continued.Then since I was not taking their calls I found the date I paid in XXXX and printed that and mailed to them. I told them after you receive this I will answer your call after XXXX. So I waiting and XXXX evening I answered it. The person on the phone was very rude and when I asked about the letter the response was no letter. When I told what the letter was there was a pause and oh I see that you did pay on the XXXX of XXXX. Then the subject of XXXX came up and according to the conversation I paid the incorrect amount and I still owed {$45.00}. I inquired what it was for the response was, " you just did not pay it. '' I was already lied to about payment and now to me if it was for late payment fine but to be told just did not pay it I will not accept. Then since I paid up to XXXX I thought I was up to date but I guess not. The called continued. I am a former XXXX, I have a completely XXXX that prevents me from walking far at all otherwise I am in excruciating pain. I realized that I kept quitting my jobs because I could stand that long or my XXXX and XXXX prevented me from working. I do not and can not afford insurance and the last time I applied with the state I was told I can not be receiving unemployment well since I work as a XXXX is saying I lied and they over paid me for the week of XX/XX/XXXX and I have to pay that week back. My XXXX medication is {$300.00} every XXXX weeks. Now I a petrified that my apartment complex is going to find a way to evict me and I as of XX/XX/XXXX I have missed XXXX work day as a temporary employee and XXXX days as a part time employee for XXXX XXXX XXXX. Capitol One repossessed my ford on XX/XX/XXXX ( and my regular payment is due XXXX of each month ) which is XXXX month and XXXX day of non payment. I can not walk anywhere with out pain or very far or my XXXX will kick in and I am stuck at the store. I do not like to call my friends to take me back and forth and do not have a Primary Care doctor to fill out a form for XXXX for the XX/XX/XXXX. Please help me.