Capital One

Paid-off Capital One Acct #[protected]. 2021 Jeep Cherokee Trailhawk purchased Sep 10, 2021 in FL (VIN #1C4PJMBX2MD218680. The loan was completely paid off on 10 Dec 2021. Since then, I have contacted (1-877-817-7861) several times with negative results. Lots of promises but no actual reactions. They have sent me two Release of Lien but my NC DMV says I can show them all the lean releases I want but they need Capital One to "electronically" release the lien so NC DMV can pull in up on their computer as released. As of today, their computer still shows it as being financed by Capital One.
I sent them a letter on 5 Jan 2022 which they seem unwilling to respond to. It is my understanding that "all financial institutions who finance automobiles, must release the lien as soon as the lien is satisfied. In this case"Electronically".

I received a letter from Capital One Auto Finance stating that they will pursue legal action against me and this letter is an attempt to collect a debt, and any information obtained will be used for that purpose.

the letter which was not signed by management, authorized agent, attorney, no one stated that I owe $19, 017.64.

I wanted them to validate the debt and claim so I requested a copy of the bill of sale, itemized accounting statements, original contract with signatures of all parties involved and I never received any documentation validating their claim.

I have submitted a complaint to the Consumer Financial Protection Bureau today and the Attorney General of Texas and Virginia is next. I have tried and tried to resolve this matter but no one will step up and say You can talk to me. I am making a copy of this note for legal purposes as well.

Thank you,
ANTHONY HOLLEY

Capital One Auto Finance contacted me yet I have no account either directly or through other financing. They were looking for my in-law who has auto financing with Cap One. Issue(s): I'm not a signer or co-signer, why call me? I do not have any accts with Cap One. However, an In-Law has contacted them multiple times to get a payment applied toward past due amounts to get current. Cap One insists on applying it toward principle only. Totally ambiguous excuse "this is how we do business". They can't give any explanation why. They cannot allow anyone to speak with manager.

The Capital One facility in Plano is intentionally abusing the H1B Visa system. They have approximately 70% of their intellectual-educated workforce composed of all H1B Visa workers. It is statistically impossible for C1 to post jobs and only be able to find foreign workers for them. What is really going on? They are actively falsifying H1B Visa documentation to claim that they can't find a US citizen to take the job. It is a felony to intentionally falsify a Federal document. C1 is also guilty of having workers work for more than 40 hours per week but only paying them for 40 hours. This, again, is illegal. You cannot defraud the Federal government of it's Income, Social Security and Medcare taxation revenues. Hours worked are not documented or paid so the taxes on the wages are never reported and never paid. IF YOU HAVE A BANK ACCOUNT, AUTO LOAN, MORTGAGE, OR CREDIT CARD WITH ANY OF THE BIG BANK (JP MORGAN CHASE, BANK OF AMERICA, WELLS FARGO, CAPITAL ONE, OR ANY OF THE OTHERS PLEASE DO US ALL A BIG FAVOR AND GET A DIFFERENT LENDER. CREDIT UNIONS WILL GIVE YOU A HOUSE OR CAR LOAN. FIND A SMALL LOCAL BANK FOR CREDIT CARDS.

I bought a car through a Capital One Auto Finance 2 & a half years ago. In good standing. A few months ago they sold or gave my account to another company owned by them. Ever since that company has had my account, even though my payments still go to Capital One, I start receiving harrassing phone calls on my cell phone (only one I have) BEFORE my grace period is even up for my payment. In my contract I have atleast a 10-15 day grace period. Phone calls start coming on day 9. The harrassment on their part is calling me 6, 8, to 10 times a day, 7 days a week, non stop. They constantly use different numbers (972) area code.

The phone calls are affecting my health. The more calls they make, the more I get stressed. The more I get stressed, the more active my live disease gets. The more active my disease gets, the sicker I get. Which is non reversable without Liver Treatments. The sicker I get, the longer it takes for me to even be able to go out & look for a job. You see what I'm getting at?
I know my payment is late.I don't need to constantly be reminded everyday, all day! I told the lady I talked to, that I do all of my business online & not on the phone any more. The more they call & harrass me, the longer it's gonna take before they get a payment.

Even when I called them today & told them that my payment will be in the mail 3 days from now, via money order, like it always is. Because they don't take payment online via debit card. Which is how I make all my payments now days. It's just convenient for me that way because of my illness.

Not only that! 6 months after we bought the car, the first time I had the oil changed by the dealership I bought it from. The very same day it was changed all the way up to today, we have had nothing but over heating problems with it. Have spent hundreds & hundreds of dollars & still it over heats. I have written Chrystler, I have talked to the loan company & absolutely NO ONE wants to do anything about it.

So we're stuck paying for a car that I can't drive without having the heater on full blast to keep it from overheating. I live in Arizona. Do you have any idea what that's like? I haven't put on 500 miles on my car in a year because of that. It's almost undrivable.

Anyway... the lady I talked to today at Capital One, refuses to stop the phone calls, even though she knows that my payment will be in the mail on Friday 6/6/08.

I have found out that these loan companies & credit companies are nothing but legalized loan sharks. If there's anything you can do about the harassing calls I would greatly appreciate it. My health is at risk because of it.