Consumer complaint received 2026-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am submitting this as a formal written dispute regarding the accuracy and validity of my auto loan for the above-referenced vehicle, originated through XXXX XXXX of XXXX, Texas. 

This loan includes unauthorized aftermarket products that were added by the dealership without my consent, resulting in an inflated principal balance and improper interest charges. 



Basis of the dispute The dealership advertised the vehicle at {$20000.00} ( listing dated XXXX XXXX XXXX, XXXX  ). This advertised price is what caused me to proceed with the purchase. 

However, the retail installment contract submitted to Capital One includes : Service Contract : {$5600.00} Debt Cancellation / XXXX XXXX {$500.00} These products added {$6100.00} to the loan. 

The contract shows : Amount Financed : {$25000.00} Finance Charge : {$5100.00} Total Sale Price : {$33000.00} I never authorized these products and explicitly declined all add-ons during a phone conversation with the dealership prior to signing. 



How the unauthorized charges were inserted I was not present at the dealership for most of the transaction. 
My brother handled in-person communication. 

Before the sale, I spoke directly by phone with the salesperson XXXX and stated clearly that I did not want any extras or add-ons. 

The dealership ran my credit and finalized the deal without me physically present. 
When I was later called in to sign, I reasonably believed the paperwork matched what was discussed. I signed and left. 

I was never informed that over {$6000.00} in add-ons had been inserted into the contract. 



Correct deal vs. submitted deal The deal I agreed to : Advertised price : {$20000.00} Plus standard tax, title, license, and doc fees Minus {$3000.00} down payment Based on the dealers own fee sheet, the correct Amount Financed should be approximately {$19000.00}, not {$25000.00}. 



Procedural failures by Capital One In addition to the dealer misconduct, I repeatedly attempted to dispute this issue directly with Capital One : I verbally notified Capital One representatives multiple times by phone that this loan contained unauthorized charges. 
I requested an electronic method to submit my dispute documents and was not provided a consistent or usable option. 
I was given incorrect and conflicting information regarding where and how to submit my written dispute, which materially delayed my ability to provide documentation. 

Despite clear notice, Capital One continued servicing and enforcing the loan without properly investigating the dispute. 



Harm caused Because the loan was inflated by unauthorized charges : My monthly payment and total balance were materially higher. 
I paid interest on products I never agreed to. 
This directly contributed to financial hardship and eventual repossession of the vehicle. 

The repossession occurred on a loan amount that was never valid in the first place.

Formal demand I am formally requesting that Capital One : 1. Conduct a full audit of the dealer-submitted contract. 
2. Remove the {$5600.00} service contract and {$500.00} XXXX/debt cancellation in full. 
3. Apply all amounts as principal credits, not prorated refunds.

4. Recalculate the loan to reflect the original advertised terms.

5. Review the repossession in light of the corrected loan balance and determine appropriate remediation.

I am not disputing that I purchased the vehicle.

I am disputing the accuracy, legality, and servicing of the loan amount being enforced.

Capital One has been notified repeatedly of this dispute and failed to provide proper channels or accurate instructions for submission.

This letter constitutes formal written notice of dispute under the Fair Credit Reporting Act, Truth in Lending Act, and related consumer protection statutes.

Company response to consumer: Closed with explanation