Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Company : Capital One Auto Finance Product : Auto loan Issue : Incorrect information on your report / Problem with fees or interest Date of issue : XX/XX/XXXX Amount : {$10000.00} estimated overpayment EMAIL TO CAPITAL ONE AUTO FINANCE TO : Customer Service/ Escalations SUBJECT : Formal Account Review Request Paid-Off Loan # XXXX | Potential TILA Violation & Refund Due Capital One Auto Finance Account/Loan Number : XXXX Deal Number : XXXX Vehicle : XXXX XXXX XXXX, XXXX XXXX Origination Date : XX/XX/XXXX Dealer : XXXX XXXX XXXX ( XXXX XXXX XXXX ) Date Paid Off : XX/XX/XXXX PURPOSE OF THIS REQUEST I am requesting a complete account review and documentation package for my paid-off loan. I have identified multiple discrepancies in my loan origination that suggest I was overcharged and/or my cancellation instructions were ignored. I require written responses to each item below within 30 days. ITEM XXXX : VEHICLE SERVICE CONTRACT CANCELED DAY-OF PURCHASE On XX/XX/XXXX, I purchased the above vehicle and simultaneously canceled the XXXX XXXX XXXXXXXX XXXX ( XXXX XX/XX/XXXX, {$2400.00} ) before leaving the dealership. Despite this cancellation : My monthly payment remained {$440.00} instead of dropping to approximately {$360.00} The {$2400.00} warranty add-on was never removed from my financed amount I paid interest on this canceled product for the entire loan term Request : Provide all documentation related to this service contract, including : Whether Capital One received cancellation notice from the dealer Whether my financed amount was ever adjusted Current status of any warranty refund held in escrow or applied to principal ITEM XXXX : DOWN PAYMENT DISCREPANCY The Retail Purchase Agreement shows {$1500.00} Cash Down. I paid {$5000.00} total down via [ check/cashier 's check/cash specify ]. There is a {$3500.00} discrepancy between what I paid and what was reported to Capital One. Request : Provide : The exact down payment amount reported to Capital One by the dealer Copy of any down payment check, draft, or wire transfer received Explanation for any difference between dealer-reported and actual down payment ITEM XXXX : COMPLETE LOAN FILE Request : Mail or email copies of : XXXX. XXXX XXXX XXXX XXXX XXXX ( all pages ) XXXX. Any revised, amended, or corrected contracts XXXX. Itemization of Amount Financed ( full breakdown ) XXXX. Complete payment history / amortization schedule XXXX. Payoff statement from final payment XXXX. Any correspondence between Capital One and dealer regarding this account ITEM XXXX : FINANCIAL IMPACT CALCULATION Based on preliminary analysis : I reserve the right to revise this calculation upon receipt of your complete file. REQUESTED RESOLUTION Pending review of the above documentation, I seek : XXXX. Full refund of all amounts paid toward the canceled warranty XXXX. Interest adjustment and recalculation of my loan based on correct down payment XXXX. Refund of all excess interest charged on inflated principal XXXX. Written explanation of how this occurred and what corrective action Capital One will take REGULATORY NOTICE If this matter is not resolved satisfactorily within 30 days, I will file formal complaints with : Texas Office of Consumer Credit Commissioner ( OCCC ) Consumer Financial Protection Bureau ( CFPB ) Texas Department of Motor Vehicles Dealer Division XXXX XXXX XXXX I am also consulting with legal counsel regarding potential TILA and Texas Deceptive Trade Practices Act violations. CONTACT INFORMATION Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Email : XXXX Please confirm receipt of this request within 5 business days. Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation