Consumer complaint received 2024-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I filed bankruptcy due to hardship and struggling to pay mortgage, car loan and back taxes plus various other debts. My attorney sent notice for Capital One Auto Finance and they submitted a proof of claim for the wrong vehicle. At the meeting of creditors, Upon review of the list of debts it was determined that Capital One Auto Finance submitted a Proof of Claim for a XXXX XXXXXXXX XXXX This was disputed in court and my attorney sent notice to Capital One that their claim had the wrong vehicle listed and to make corrections. The Proof of Claim should have been for a XXXX XXXX XXXX. There was no response of correction from Capital One. Since there was no response from Capital One, the debt was classified as Unsecured. During this 5 year payment schedule, Capital One collected payment of approximately {$14000.00} in unsecured payments under the original account number that was assigned to the XXXX XXXX XXXX for which I had been paying on since before filing Bankruptcy. I've since been notified that my Bankruptcy case has been closed due to completion of all scheduled payments. This led me to contact to Capital One about releasing my title but they could not pull up the loan account for my XXXX XXXX XXXX. The number we verified now shows a XXXX XXXX XXXX. I contacted my trustee to verify the account number and a case worker said that the XXXX was still attached to the account number. I asked the case worker to send me the Bill of sale the trustee office had on file. She was kind enough to send it and I discovered that the Bill of Sale was fake. It had my signature forged on the documents. That led me to believe that Capital One lost the original Bill of Sale that I signed and replaced it with a fraudulent Bill of Sale and forged my signature to it. They also added the original dealership info to this documents. Capital one has explained that they didn't have any information on the XXXX XXXX XXXX XXXX  My car ) on file and the account reflects that I owe {$10000.00} on a XXXX XXXX for which I have never owned or sign any agreements ( Bill of Sale ) on. I am confused and upset because the Tax Accessors in my state has verified that I am registered to a XXXX XXXX XXXX via the VIN # and that Capital One is the lien holder. I have been renewing my Tags all of these years with no issue. I also had them check the VIN # for that XXXX XXXX XXXX and The Department of Revenue has no information on it nor do that have me as the owner of one but the Bill of Sale shows the same dealership as the seller so it sounds like fraud for my name being forged on fraudulent documents and illegal consumer practices. I contacted my attorney and she explained that at this point, it's not a Bankruptcy issue and stated that the {$10000.00} was interest since Capital One didn't secure the debt. Only the principle can be paid unsecured but I am not obligated to pay on a contract I never signed. They've lost the contract and replaced it with fraudulent documents and using unfair tactics to collect on a debt by intentionally not responding to the courts and not providing true and accurate documents. The deceptions are unfair and unlawful.

Company response to consumer: Closed with explanation