Consumer complaint received 2026-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I am reaching out in regards to a vehicle that I had, financed through capital one auto finance, which has now been repossessed. I have had the vehicle for XXXX yrs now. I am the co signer on this vehicle but have been making all the payments. The borrower was my mother, who passed away in XXXX of 2024. I fell behind on my payments in XXXX and on XX/XX/XXXX I signed a contract over the phone with capital in which they cut the payments in half for 6 months. On that date, I made the payment, the reduced amount, to them over the phone as well. Which states on the contract that it is not legal or binding unless both signatures, my mother 's and mine, were signed on the contract. I pointed this out to the gentleman I was speaking to on the phone, reminding him that my mother is no longer alive and id like to have her name removed from the document since she can't sign it. He told me to just sign it. Then he said that he's going to send an email to XXXX email with the document since I won't sign it. I never said I wouldn't sign it, I just wanted it to be legal and since it states on there that it's not without both parties signatures. I then told him again to not send anything to her email because she not a living person on this planet and to stop sending her anything because she will not receive it EVER. He then got very rude with me and hung up the phone. I ended up signing the contract and sending it back with only my signature on it. Then I went in to the capital one app on my phone and wasn't able to access it. A few days later, credit karma sent me a notification about a closed account so I looked in their app and it showed the closed account being capital one auto finance. Since then I haven't received any postal mail from them or any phone calls or anything. I did receive an email at the end XXXX from capital one auto finance saying that my account is deliquent and they haven't heard from me about arraigning a payment. And to avoid repossession of the vehicle and to avoid being sued I have until XXXX XXXX 2026 to contact them. They have sent me XXXX emails stating the same thing, that to avoid repossession to call them by XX/XX/XXXX. On XX/XX/XXXX, my son and I went to get a gift for a bday party and when we came out my vehicle was gone. So I called them and asked what was going on and they told me that didn't have any notice that they picked it up. And I told them about the misleading email from them saying the deadline of XXXX XXXX 2026. It took them 2 days to actually be able to tell me where it was. I then spoke to someone in the relief department and asked her about the email they sent many times that clearly stated XX/XX/XXXX as a dead line to contact them. She couldn't explain it me. I tried to explain to her everything in this email to you about how the account showed as closed and I didn't have access to it and how I received no letters in the mail. During this conversation she asked to give them my phone number in which they can contact me, my phone has been the same for XXXX yrs, never changed. Which makes me feel like they never sent out any letters to me because my address also never changed. That gentleman who hung up must have marked it closed after hanging up on me The email they sent with the deadline of XX/XX/XXXX is deceptive and misleading. This company took my vehicle well before the deadline and they will not take responsibility for it. Now I'm out a vehicle which I have paid an excessive amount of money for at 19.3 % interest for XXXX yrs. I hoping that you can help me get my vehicle back and hold this company responsible for this misleading false business practice. I hope to hear from you soon. Thank you for your time. Sincerely,

Company response to consumer: Closed with explanation