I decided, after making one car payment via automated voice prompts over the phone which lost a transaction to try something different. I set my Capital One Auto Finance account up on my Capital One Bank account to where I could make car payments online to save time and money (so I thought). After making two payments to Capital One on consecutive days (Dec. 20, 2007 and Dec. 21, 2007) I thought my problem was solved. The Capital One bank account showed that the two payments came out of my checking account but they never showed up on my automobile finance account.
All of a sudden, about a month ago, Capital One started calling me saying that I had not made my November payment. When I told the person at Capital On Auto Finance that I had not only paid November but December as well. They asked me if I had any proof of that to which I said yes, I have my bank statement showing that two payments came out of my bank account and went to Capital One. They gave me the fax number and I faxed a copy of the bank statement to them expecting this to take care of it.
Not only did they NOT call me back, but when I called them to see if they had received the fax and taken care of my account the woman told me that what I sent was not good enough. She said that I needed the bank to send a copy of an endorsement or a pipeline report. So I took off early and drove from Oklahoma where I am currently working to Capital One bank in Keller, Texas, got with the operations manager of the bank and she wrote them a letter with dates, transaction numbers, a copy of my bank statement and other pieces of information that should have been sufficient to resolve this problem, but it hasn't.
As of this writing, I have talked to dozens of people at Capital One Auto Finance, including managers, without resolve. Meanwhile, late charges are accruing, my credit rating is declining, my aggravation level is increasing and nobody has stepped up to the plate to try and help me.
I have never had so much trouble giving my money to somebody in my life. I'm wondering if every month with Capital One Auto Finance is going to be a Nightmare with them like this one has been.
Is there anybody out there who can tell me what I need to do?
Thank you,
Kim Cotten
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