Consumer complaint received 2026-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
To : Consumer Financial Protection BureauRe : Amended Consumer ComplaintRespondents : Capital One Auto Finance, XXXX XXXX XXXXOriginating Dealership : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Consumer Financial Protection Bureau ,

I am submitting this amended complaint to formally document deceptive practices, breach of contract, false insurance denials, and unlawful vehicle disablement by Capital One Auto Finance and its affiliated product administratorXXXX XXXX XXXX XXXX. 1. False Statements About Tracking and Remote Disable Technology I was repeatedly and expressly told by Capital One Auto Finance and the originating dealership, XXXX XXXX, that my vehicle did NOT have any tracking deviceXXXX XXXX, or remote disable technology. 
Based on these representations, I reasonably relied on the understanding that : * The vehicle could not be remotely disabled * The vehicle could not be electronically tracked or located Despite these assurances, Capital One later demonstrated the ability to locate and repossess the vehicle, proving that these statements were false or misleading. Additionally, my vehicle was remotely disabled without proper disclosure, notice, or consent, rendering it inoperable even though it was functioning properly the day before. 
This constitutes material misrepresentation, deceptive inducement, and unfair conduct. 

2. Failure to Assist During Theft and Federal Seizure In or around XXXX, my vehicle was stolen from my residence and later seized in XXXX, Texas, involving XXXX custody. I filed a police report and provided all documentation to Capital One. 
Despite this, Capital One : * Repeatedly told me there was no way to locate the vehicle * Refused to assist in recovery * Denied any tracking capability Because of this refusal and misrepresentation, I incurred over {$1000.00} in personal travel and recovery expensesattempting to locate and retrieve the vehicle myself. 

XXXX. False GAP Insurance Denial and Add-On Product Misrepresentation I paid for GAP insurance and additional protection products as part of my vehicle financing. However, when I contacted XXXX, I was explicitly told that I did not have GAP insurance, despite having paid for it. 
This false denial occurred at a critical time following theft and seizure. Neither Capital One nor XXXX XXXX * Conducted a good-faith review of my coverage * Provided written proof supporting the denial * Assisted with filing or explaining a claim I also paid {$500.00} out-of-pocket for a tire replacement, despite later discovering I had active tire and wheel coveragethat was never explained to me. 
Selling add-on products and later denying their existence is an unfair and deceptive practice. 

XXXX. Breach of Contract and Lack of Good-Faith Communication Capital One failed to communicate or assist me during documented hardships, including : * Vehicle theft * Federal seizure * Prior house fire They made no reasonable effort to work with me, failed to explain benefits I paid for, and placed me into collateral debt and financial distress through actions beyond my control. 

XXXX. Consumer Harm and Legal Violations As a result of these actions, I suffered : * Financial loss * Emotional distress, stress, and XXXX * Loss of transportation * Improper deprivation of collateral The conduct described constitutes violations of : * CFPB UDAAP standards ( 12 U.S.C. 55315536 ) * Truth in Lending Act ( TILA ) disclosure requirements * Breach of contract and misrepresentation principles Relief Requested I respectfully request CFPB intervention and enforcement, including : 1. {$10000.00} in compensation for financial loss, emotional distress, and pain and suffering 2. Refund of GAP insurance, tire & wheel, and other add-on charges 3. Formal findings of deceptive and unfair practices 4. Correction or removal of negative credit reporting 5. Review and potential rescission of the Retail Installment Contract Capital One Auto Finance and XXXX misrepresented material facts, denied paid-for coverage, and failed to act in good faith. Their conduct caused substantial harm and warrants CFPB enforcement. 
Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with explanation