Consumer complaint received 2025-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
To whom it may concern : XX/XX/XXXX It has come to my attention that Capital One Auto Finance has been practicing predatory lending practices and have illegally repossessed my vehicle after being paid. During this time, I have noticed that I may have been a victim of possibly buying an overpriced car along with paying hidden fees and strong-arming to get my car back after making a huge payment of XXXX. Capital One has been awful to work with since I have my car back in my possession not returning phone calls and still not addressing the repo issue with the car in the first place. I have contacted this company on several occasions to address the issues that I was having with this loan. After calling and speaking to multiple reps about my loan, I was not able to get it resolved. I brought the car from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

My car was taken from me after I made two payments of what I could in the month of XXXX showing that I was willing to pay something towards my car although I was going through financial hardship paying the payments on the car loan. After several calls made to Capital One, I was able to speak to a rep regarding reducing my payments or getting some help about payments towards my loan. I contacted them stating that I was working now part-time and I couldnt afford to pay the full payment and so Capital One offered a Temporary Reduction Payment plan to me verbally over the phone which would have cut my payment from XXXX to XXXX per month for six months which I agreed but somehow was never honored and they denied me without nothing in writing or notice. Because of this I still sent in two payments before my car was taken from me on XX/XX/XXXX. The payments were for XXXX on XX/XX/XXXX and XX/XX/XXXX totaling XXXX. So when they took my car, I started to look at my car loan as a whole and noticed that they did in fact do abusive practices towards me with a predatory loan. Ive noticed that they did in fact do the following : XXXX late fees XXXXIllegal collections/harassing calls XXXXUnauthorized add-onsloan packing _ Not returning calls or emails regarding loan issues for hardship XXXX  Speaking with multiple reps not addressing the issues at hand and not fully communicating about the loan or any agreements over the phone XXXXNo direct person to contact regarding my case XXXX  Unauthorized Repo fees Also during the time I didnt have my car, I noticed that my car loan was not even valid and charged me three times the amount the car was worth. My car was originally only for XXXX but somehow after hidden price increases my loan was XXXX which I clearly knew something was really wrong with this loan and it all started with this illegal repo. Capital One has consistently never addressed anything I needed since I had the car and I have been making payments since I bought the car, so there was no reason for them to even take the car in the first place which really hurt me and my family and my kids missing school. Capital One Auto is a fraud and is horrible to do business with. 

After all this with me losing money and being ripped off along with an illegal repo, I am requesting a full investigation of this loan and predatory loan practices against me. I am seeking my car be sold to me at no cost to avoid court issues and my credit be repaired due to this unnecessary repo and loan issues. I am seeking justice in this situation because they used my pain to gain after I came to them for help after losing my other car to a fire. I feel like the XXXX The XXXX dealership was helpful in helping get another vehicle, however I did not know I was being XXXX  off behind the scenes. I am also submitting all the documents that I have in my possession and receipts of payments for your review.

Company response to consumer: Closed with explanation