If I could give them zero stars I would. Trying to get to a live person is all but impossible after you stupidly get an auto loan with them. WORST phone system I have seen in a while. Avoid them at all cost!

Terrible terrible place to work with. No one knows anything, customer service messes up your account, then no one can say the same information everytime you call to fix any problems they did, managers are never on duty, the mess up payments and credit and no one is there to help. Terrible place to go through would not ever recommend to anyone. If I could give this place 0 stars I would. Still three months later dozens of calls trying to get ahold of a manager or higher up, still nothing. Do not waist time here I wish I never went through this company

Making simple changes on your account like a simple name change is virtually impossible. They give you the runaround. Department to next department. They tell you something different every time you call. Never again.

They are such a terrible company to get a car loan with and as soon as I can get away from them I will. You have a grace period which I haven't had to use until now they charge almost 10 bucks a day in interest until its paid and won't help you at all! Every once in a while people have a hard time geez us! I've had MANY car loans with even worst loan companies but never did they rip me off like this!

Stay away if you can! Capital One title department were supposed to transfer my vehicle title to Arizona from California in May. The paperwork was sent to them by California mvd but was never done. Here I am in October trying to renew my registration and find out my title was canceled or non existent was what the dmv said. I talk to them and it turns out i have to wait 4-6 weeks for them to finish what they were doing in May. and ANOTHER 4-6 weeks for them to mail the information to my local dmv. They have offered no help. I AM PAYING FOR A VEHICLE THAT CANT BE DRIVEN SINCE 6 MONTHS AGO AND STILL HAVE TO WAIT ANOTHER 3 MONTHS TO BE ABLE TO DRIVE IT AGAIN! They won't even acknowledge their mistake. So here i am paying for a vehicle that won't be drivable for a total of 9 months.

I will tell you that once you have refinanced an auto loan through Capital One, if you had Gap insurance on the previous loan then it will not carry over to the Capital One loan, since you are not a dealer. Think twice if you get in an accident most insurance companies only pay off the wholesale amount and you are responsible for the money left. Including if you rolled old payments into the car, from an older loan.

I over payed them up two months they didn’t report that they lied and cause my credit score to go down my account has always been overpaid but they don’t report that they report wrong info as if my account is closed!!!!!!!

Terrible customer service. I cannot speak with any customer service representatives that speak English. I proceeded two different payments in the same day with different banks they processed one which said pending and posted the amount. They still have the other payment as Scheduled. I definitely will be looking to refinance and get away from this company

So I fell behind on two month payments due to being laid off. I get a call from Capitol One Auto Financing and they suggest to me some payment plan the first option was to add the value of the two months to the next three payments I make, which was not a good plan since I just got a new job and there is a waiting period for payroll to catch. So they said how about if you just pay your monthly payment for August and the two months will be added to the end of the life of the loan. I said that would work for me. I schedule a payment which I had to change because I knew I would not have the funds in my Capital One 360 checking account. After the weekend when the payment was scheduled I was able to get the $775 that was needed to make this payment. So Aug 8th 2022 I made the payment. That week however Capital One Auto Finance called me to ask for the payment again. I asked why because I had already made the payment they stated that the funds were reversed. I asked to what account because my checking shows it was debited but not credited to my checking account. They even asked me to fax them proof of my checking account showing the payment was made to Capital One Auto Financing. I thought that was ridiculous because who now a days own a fax machine. They said that was the only way. So August 15 I faxed them the proof they asked for. Since then they have been calling every day to ask for the payment which I have to explain again the issue. Today they transferred me to Capital One 360 checking which they verified with me on the phone that the payment did clear to Capital One Auto Financing. I asked checking rep Luis if we could three way Capital One Auto Financing to let them know. We spoke to a rep who we escalated to a supervisor who was going to escalate to a department that I thought was so made up, get this, the department s name is…. ‘The office of the president’ If anyone works for Capital One Auto Financing, could you please confirm with us that such a department exists. The supervisor had us hold for a long time and then said that the department was closed and stated that I would need to fax the proof. Which of course I was ready for I told him when I faxed the proof as well as the fax number and confirmation that the fax had been received. He went quite and stated he would call me tomorrow to let me know what the status is. The two star for customer service is because they have been telling me the same thing over and over but no such solution to my problem they just say too bad, so sad. I bumped them up a star because Luis from Capital One Checking suggested he stay on the line with me to let them know the payment posted. Overall because they have called me every day this month and last they get a one star because I did make my payment, I am just sorry they can read their computer screen properly. Capital One is very understanding except the reps that reside in the Pacific Islands.

Most predatory auto loan company. Currently paying $470/mo. Only $166 goes towards principle balance. Paid over $15k and still owe $14k on a 18k car. Will not let you refinance or renegotiate. Don’t waste your time or resources.