Capital One Auto Finance

Capital One Auto Finance

90 consumer reviews |Write a Review
Average Rating: Disappointing
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  • Banking finally moves online

    May 06 '05
    Pros: Great rates, full online account management, fast & reliable site, quick service
    Cons: some additional requirements over standard banks

    Summary: Overview Capital One Auto Finance, who 'absorbed' PeopleFirst, is an online finance institution that offers loans for buying and refinancing new and used cars. The entire system is online, offering no real brick and mortar services, but the idea ...

  • Customer service reps who led me to getting my car taken

    Sep 19 '11
    Pros: None
    Cons: Liars, cheaters, employees have no idea what is going on.

    Summary: We had two loans with Capitol One Auto Finance. Our first car was bought new in 2004 and we have been paying on it ever since. Our second car was purchased used in 2005. The first loan was a little harder to get than the second, however we felt that we ...

  • Illegal Accounting?

    Aug 15 '11
    Pros: Cant think of any
    Cons: Gross misrepresentation of their accounting system, which encourages the accumulation of late fees.

    Summary: So, I have two Capital One auto loans on two separate vehicles. I fell behind and spoke with their collections people (this is less than 30 days late btw) and told them I was going to pay the entire past due amount plus the current month's payment via ...

  • Regrettable

    Jul 06 '11
    Pros: Zero so far
    Cons: Not a real bank, they are very shady...

    Summary: Financed a car through Capital One Auto Finance after my car was totalled in an accident. I had no idea Cap One is so ghetto and low class. Immediately after getting the loan, they called incessantly day and night, once it was ELEVEN TIMES in 12 ...

  • worst ever

    Mar 25 '11
    Pros: fast and quick process
    Cons: 'approved' does not mean 'approved'. lousy and uneducated customer service

    Summary: Customer service is VERY rude - treats you like a criminal.I picked up the company phone around 8:30 in the morning, and it happened to be the capital one customer service rep who was reviewing my auto loan process.At first, there was silence on ...

  • Harassing Phone Calls Are US

    Jan 24 '11
    Pros: Never had a problem with them until I was late with a payment.
    Cons: Unreasonable, manipulative and will never seek or think to seek of a win/win solution.

    Summary: I lost my job over a year ago, and recently fell behind 3 payments when I finally got a job. So, I called Capital One Auto Finance and told them I would make a full payment every two weeks until I was caught up. They took my first payment over ...

  • Hardship Policy a major joke!!!

    Dec 28 '10
    Pros: Can't think of a single thing.
    Cons: Too numerous to mention.

    Summary: In June 2005 my significant other and I, who were both working full time,  purchased a 2003 Chevy Malibu together. In August 2005 I had surgery and was off work for six months. During this time, my significant other became ill, unable to work and ...

  • Avoid Car loans through Capital One

    Nov 09 '10
    Pros: They were initially fast with the financing.
    Cons: Harassing calls. Unorganized. Most Customer service reps hardly speak English. and rude customer service.

    Summary: •In October, I bought, a new Mazda Vehicle -and received financing from Capital One - Unfortunately, this was the worst experience i've ever had with a finance company. My husband and I have been harassed by non stop calls to our cell phones and ...

  • Horrid Company!

    Nov 08 '10
    Pros: HA!! Are there any? Quick approval isn't worth the hassles of "working" with them!
    Cons: Rude, insulting, lying, breaking laws, refusal to follow contract, threatening- too many to list!

    Summary: I've had the unpleasant experience of dealing with CapitalOne Auto Finance over the last 6 years. The approval was literally a $25,000.00 check mailed to me, easy as pie.However, I learned *very* quickly just how nasty these people ...

  • Don't Waste Your Time

    Sep 11 '10
    Pros: online application
    Cons: just because you get the check doesnt mean you are approved!

    Summary: I applied on their website and was told I was approved. I wasnt ready to make a purchase yet so i didnt complete the form, but in two days my blank check came anyway. I faxed the infomation as required and after another day or so my status changed to ...

  • Very misleading experience

    Sep 01 '10
    Pros: None that I could look back and see.
    Cons: Very confusing approval system.

    Summary: I have a Capital One credit card and was very satisfied with their customer service, at least until I had to deal with trying to get an auto loan through the Auto Finance division. The whole process is very, very misleading. After sending all the ...

  • Scamming me for late fees?

    Jul 16 '10
    Pros: None.
    Cons: Are they being dishonest in order to charge late fees? Anyone else, or just me?

    Summary: Part of my problems stem from the fact that I moved to Canada, but things should not be as frustrating as they have been.Their online bill pay does not accept Canadian Bank Account information, so I mail them a check every month. Every month ...

  • EVIL!

    Feb 10 '10
    Pros: None.
    Cons: Zero internal communication, poor verbal comprehension skills

    Summary: I never used them for a loan, but a friend of mine did and used me as a reference.  Capital One never called me during the loan approval process, but now, after the loan has been paid in full, they won't stop calling me.My friend's phone ...

  • They should pay YOU to do accounting for them.

    Jan 27 '10
    Pros: NONE they are as stupid as they come
    Cons: Bad business
    " communication with their clients
    " diversity of payments options
    "@ compromise
    Difficult 
    Slow

    Summary: In 2004 my husband financed a Hyundai Elantra for a 66 month term loan. We slowly paid it, yes not ALWAYS on time he got laid off 2 times in between "04 and now, but it came down to OCT of '09 and we decided we were almost done pay it off and get the ...

  • worst customer service possible

    Dec 06 '09
    Pros: great finance rate.
    Cons: everything else.

    Summary: The poor quality of Capital One's customer service team makes even Comcast look good. I purchased my first car about 5 years ago with my auto loan through Capital One and it has been a downhill battle ever since. First off, the company will not allow me ...

  • Do not use capital one auto finance!!!!!

    Nov 12 '09
    Pros: Fast blank check and ok rates for your loan thats it dont use them.
    Cons: Capital One Auto has the worst customer service and there all Dishonest.

    Summary: Dishonest representatives Bait and switch interest rates and difficult private seller transactions. Do not use them you will hate your life when you do business with them.First there customer service is the worst I have ever dealt with in ...

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