Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/XXXX I financed an auto what I thought was through the car dealership, XXXX XXXX. I put {$1000.00} down for an asking of price of {$15000.00} and I was informed it would be delivered at XXXX a.m. to sign. At XXXX p.m. the car was delivered with XXXX pages for signing, After I informed XXXX at XXXX a.m. I had to be a work at XXXX p.m the salesmen deliberately shows at XXXX p.m.. Upon delivery I asked is the payment XXXX XXXX  monthly as we discussed at XXXX p.m.? Yes was salesmen 's reply and at XXXX XXXX interest I asked? Yes was the reply by the salesmen to me, as first time buyer. A week later I find out Capital One financed the car not XXXX. {$360.00} monthly and at XXXX XXXX daily, with a total at signing {$25000.00}. I called Capital One to question a {$10000.00} increase and their response was, '' We don't give Loans for XXXX. '' Through these past XXXX years I have been excessively harassed by Capital One 's Collections Department. I paid the car off in XXXX  years out of 6 years, being the last payment was XX/XX/XXXX of {$7100.00} with paying a total of {$25000.00} with XXXX years remaining if I did not pay it off, after an asking price of {$15000.00}. In XX/XX/XXXX Capital One contacted the Credit Bureau and lower my XXXX XXXX and sent a Repossession letter threat that same month. On XX/XX/XXXX Capital One charged off my XXXX XXXX credit card without me knowing. When XXXX XXXX XXXX to make a payment that's when I became aware. Charge off total on XX/XX/XXXX was {$2400.00} my last payment was on XX/XX/XXXX of {$50.00} bring the total from all payments since XXXX down to {$2000.00}. After making XXXX 's payment, XXXX emails within XXXX weeks from Capital One requesting that I apply for an auto pay payment plan, which I declined being the lowest pay option is XXXX XXXX monthly. XXXX  days later after my last payment, on XX/XX/XXXX the account was sent to collections to a Law Firm. I was not behind on any payments at that time. The reason I declined auto pay was due to back in XX/XX/XXXX Capital One set up auto pay without my permission and withdraw XXXX car payments in 1 Month then per my request refunded XXXX payment then emailed me 4 days later informing me they were taking payment on XX/XX/XXXX per auto pay, again without my consent. I disputed and that action and it was dismissed. I do not trust Capital One with auto pay and that is why the account was sent to collections due to me declining auto pay payment plan and not because it was delinquent. I have another credit card with Capital One and it too is current. Capital One sent an offer XXXX  months ago informing me a Pre-Approved credit limit of {$2500.00}, {$500.00} more than the limit on the charged off account. They have harassed me excessively more than I am able to type here and there are excessive experiences I have went through at Capital One 's attempt to Intimidate with actionable bullying. I have had to place XXXX Cease and Desist on XXXX accounts and I spoke only with The Capital One President 's contact number that an Agent at Capital One suggested for me to do because of all of the negative contact I received by Capital One. I have until the XX/XX/XXXX to dispute the collection letter I received by the Law Firm. The information above is not limited too. 
PLEASE NOTE : On XX/XX/XXXX my employer lost their contact and a new company was being decided on. I gave notice and my last day was XX/XX/XXXX for that employer. My new employment started on XX/XX/XXXX and during those XXXX emails from Capital One requesting ( Demanding ) auto pay payment plan from XX/XX/XXXX to XX/XX/XXXX I was unemployed the entire time and I still managed to make a payment on XX/XX/XXXX and I have not to date received my XXXX pay check from my New Employer and Capital One is aware. My phone number listed here is not correct ; New number is XXXX I was unable to edit it.

Company response to consumer: Closed with explanation