Capital One Auto Finance

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

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 ...

Pros: Very efficient application and approval process.
Cons: Poor customer service, deceptive tactics.

I had a loan with HSBC Bank back in the late 1990's on a 1997 Hyundai Sonata I bought new. I also had 3 credit cards with Capital One all in good standing. I got a solicitation to "refinance" my loan with Capital One Auto Finance. They are very ...

Pros: FAST approval at loans origination. Competitive interest rates.
Cons: Intentionally Slow At Retaining Your Title/Lien And Overpayments. Texas-Based.

Texas-based Capital One Auto Finance is a Dallas, Texas operation (out of Plano, Texas) with its headquarters in McLean. VA (corporate location). With some very competitive auto finance rates available to consumers with good credit, Capital One may ...

Pros: They're fast initially.
Cons: Customer Service is about as useless as a poop-flavored lollipop.

I've just gotten off the phone after having one of the most frustrating phone conversations in my entire life. You know those commercials where David Spade is just yelling "No!" at people? I'm pretty sure he's their main customer serivce rep. Allow me ...

Pros: None
Cons: Incompetent customer service

I used Capital One Auto Finance to pay off the original loan on my car, and hence make Capital One Auto Finance my new finance company and lienholder. Problems with Capital One Auto Finance did not show up while they were receiving my payments. When the ...

Pros: NONE
Cons: Extra payment does not go to principal but delays billing cycle

A little background on me is that I tend to pay over what is owed monthly on my loans so that I pay them off quicker and pay less interest. CapitalOne Auto Finance bought out my auto lender Onyx. Now normally I would not care since since several of ...

Pros: easy application, low rates
Cons: Instructions for the Blank Check could have been clearer. Of course customer service

Background: This is the first loan I have ever had, having always paid cash for cheap older cars in the past. I was moving up in the world and was ready to get my first real toy, a 1980 Chevrolet Corvette. I was very excited but did not have enough ...

Pros: Easy "carpay" phone interface for paying your bill.
Cons: No way to contact a human, poor closure, subpar customer service.

I financed my car through Capital One Auto Finance. Everything seemed fine, until my car was stolen. I continued to pay while my insurance company worked out the payoff. The check was cut and sent to Capital One. There was a $600 difference, so I ...

Pros: Seemingly easy, hassle-free financing (although I never experienced it)
Cons: Highest interest rates around.
Untrained staff.

I'll admit, I don't really like or use many banking products.  But I depend on my car for work and the Blazer I had used for the last 5 years was inching towards it's final days.  Right when I started looking at different places I received a ...

Pros: Good interest rates, decent web site
Cons: Customer non-service

I went with Capital One Auto Finance for my new car purchase back in 2006 because like most people discover who look into them, they offer interest rates far better than the dealers are willing to give you (assuming, at least, you don't have near-perfect ...

Pros: Fast decision, decent rates...
Cons: Deceiving website, cannot decline if offer not acceptable, payments applied incorrectly, POOR CUSTOMER SERVICE

I re-financed a vehicle with them in October 2007. This vehicle had been purchased when my credit was on the rocks, and Capital One actually gave me an awesome rate of exactly half my former rate. It was all good, except for one thing: I sent in extra ...

Pros: Absolutely none
Cons: Dishonest representatives Bait and switch interest rates Lengthy and difficult private seller transactions

I received a “blank check” from Capital One a couple years ago, but never used it as the dealer I purchased through beat their rate. Lately I was in the market for another used car, and applied to lending tree online. Capital One came back with ...

Pros: The only up side is they will extend you money, @ 10.99% Rip off.
Cons: Again, I've already said all of the good above.

Absolutely horrible! God forbid you try to call them. I have a few things against them that I think every one should know. I'll put them in bullet for ease of reading. Problems: 1. Contact them. Just try it. The automated system seems to have an ...

Pros: Quick and easy application process.
Cons: Poor customer service, website doesn't tell the whole story.

If you don't qualify for their best interest rate, beware. Capital One claims that their 'Blank Check' is as good as cash. Not true. I didn't get their best rate due to a short credit history, but it was still pretty good (half percent over their ...

Pros: Approval quickly, even with challenging credit history, all done on-line
Cons: Not as accepted as CapOne advertises; takes longer to process transaction due to dealer restrictions

I had been approved quickly for a Capital One Blank Check, and with a challenging credit history I was relieved to have gotten approved so quickly ... and on-line where I didn't have to talk to anyone ... My first indication this car purchase using ...

Pros: Their automatic payment system worked flawlessly in making sure they got their money on time.
Cons: Deplorable service. No interest in sending the lien release paperwork once a loan is paid.

I originally financed my car loan from another company, but they were purchased by Capital One Auto. So, I can't speak for Capital One's application process, but I can tell you that when my loan was paid it took them forever to get the lien release ...

Pros: Fast approval, all on-line, low rate, check in 24 hours.
Cons: Getting customer service on the phone is a challenge.

This is my second experience with Capital One auto-finance. I spent 10 minutes and applied on-line at 7pm EST and had a check in the mail the next AM at 10. The rates are competitive, and I have always made my payments on time (and over payed) so I ...

Pros: Advertised low rates. Don't know if they deliver.
Cons: Non-existant customer serviced coupled with the fact they have LIED on several issues.

I applied online with this 'outfit' via Costco. They had the lowest interest rate I could find. I'm 50 years old with spotless credit. I pulled my three credit reports prior to applying and one of my credit scores just to see what it was. Experian ...

Pros: Quick Approval Better leverage when negotiating with dealer
Cons: none

OK here is the deal. While paying my Capital One credit card, I noticed the Auto Finance link, so I went there, filled out the little form in like 3 minutes, and in 15 minutes I had my approval, and at a much lower rate than my current load. Then I ...

Pros: Few and far between. As of Nov 2006 absolutely NO PROS.
Cons: After you get the loan and are in the system, they treat you like crap.

NOVEMBER 2006 UPDATE The saga continues. In early August Capital One actually was able to set up the account for on-line payment. And, I made a payment for September. I began to think that maybe, just maybe, there was some small possibility that ...

Pros: Will make other stresses in your life seem reasonable after dealing with these people..
Cons: Cons... funny..they con you into thinking you are approved when you are not..

Wow... So I went to a dealer to buy a car.. found the one I wanted... I currently have financing via Capital One so the dealership decides to go with them.. My rate goes up 3% from the current rate and I am confused.. End up going on line later to get my ...

Pros: EASY TO GET AUTO LOAN.
Cons: NOT SO EASY TO CASH THEIR CHECK.

I APPLIED FOR A CAPITAL ONE AUTO LOAN . IT WAS VERY EASY. SEEMED TO BE THE FASTEST LOAN I HAVE HAD APPROVED. I WAS APPROVED IN LESS THAN 10 SECONDS. I REALLY COULD NOT BELIEVE HOW EASY AND FAST IT WAS. ON CAPITAL ONE'S WEBSITE IT STATED THAT YOU ...

Pros: Absolutely NONE.
Cons: Poor Customer Service, Shady business practices.

I went online to shop for a loan for a used car and at the top of the list was Cap One Auto Finance and I was approved for over $15,000 easily. THE "CHECK"arrived in the mail quickly and I bought the car with it and included "Gap Coverage." Then this ...

Pros: Quick "approval"
Cons: Once "approved" you and the seller commit, which puts them in control.

They promise quick service, and give you a quick approval, but once you're committed to them you're on the hook. Getting new customers is a lot more important to Capital One than taking care of deals in progress. Any tiny detail that they find ...

Pros: The only pro I can give is that I will soon be rid of them.
Cons: They are the worst people I have ever had a loan with, difficult and obnoxious.

When Wachovia Bank (New Orleans) turned over their auto loans to Capital One my problems started. I make my payments at the first of the month by web payments through my bank (Chase). I found several months later I had "missed" a payment, which I found ...

Pros: none
Cons: Totally uncaring customer service

On July 6th, 2007 I refinanced my car loan with Capital One. The Loan and Security Agreement stated that they would refinance me for $7515.00 at 11.95%. with 36 payments of $249.01. That was what I agreed to and I sent them the signed contract papers. ...

Pros: Possible quick approval. Competitive rates
Cons: Blank check is not just like cash. Misleading advertising. Deceptive practices. Horrible customer service.

I can say that most of people’s bad experiences here are most likely true. I just recently filed a complaint with my states Attorneys General office due to Capital One's deceptive practices and questionable advertising. I have very good credit and was ...

Pros: NONE!
Cons: It's a racket.

These People are scam artists. They are not members on any Better Business Bureau and are apparently under investigation by the Federal Reserve. If you have electronic debit set up, they miss auto drafts and not only will they charge you late fee after ...

Pros: There really arent any.
Cons: Outsourced customer service, outsourced customer service, and worst of all outsourced customer service.

Wow, where do I start with this cracker jack group of folks. I recently lost my vehicle due to a flood, and due to the loss of my gap insurance, there was going to be a remaining balance left over that I'm required to pay. Sounds simple? yeah if you're ...

Pros: Run your credit quickly
Cons: Hidden requirements, HORRIBLE CUSTOMER SERVICE

Customer service is horrible. I've encountered even compared to Sears... On hold for over 20 minutes without being told why and never during the hold time told that they are still looking into it and will be back as soon as possible. For their blank ...

Pros: They cash our check in an average time
Cons: Misapplied payments and they do not respond to your questions - awful to deal with.

I have been trying to get Capital One to correct a misapplied payment since July 2006. For some unknown reason - they applied all of our payment to principal - none towards interest. Then the next payment we made they charged us interest of over 60 ...

Pros: Easy application process, generous loan policy, reasonable rates, convenient auto purchasing.
Cons: ACTUAL limit of "Blank Check" is 120% of Trade-in value of the vehicle. Be aware!

Having gone through bankruptcy 2-1/2 years ago, getting financing on a needed used car was difficult...until I found Capital One Auto Finance. After completing the on line application, and one follow-up phone call, I was approved for a Blank Check for ...

Pros: Pros?  They were very unprofessional about the whole process.
Cons: Didn't give me loan despite folowing their instructions and having very high fico.

I applied for a loan in this obviously crazy financial climate (November 2008).  I have very high credit rating (777 fico) but I am self employed so I thought that might be an issue.  However, the web application seemd fine with that so I went ...

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.

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 ...

Pros: Fast, Professional, Convenient, Helpful, Friendly
Cons: Horrible High Rates, Slow Blank Check Shipping

I've done my research when it comes to looking for a good deal. I write letters to companies with questions, read every FAQ I can get my hands on and always read the small print. I found many people online saying that Capital One was one of the best ...

Pros: GOOD RATES ON INITIAL OFFER
Cons: UNDISCLOSED TERMS ON APPROVED AMOUNT

If you don't take time to read this whole post just get this - THE BLANK CHECK THEY SEND YOU IS NOT NECESSARILY GOOD FOR THE UPPER RANGE OF THE LOAN YOU ARE APPROVED FOR. FIND OUT HOW MUCH THEY WILL LEND FOR THE SPECIFIC VEHICLE YOU ARE PURCHASING! I ...

Pros: n/a
Cons: crooked

One must be careful when dealing with these people. My mom has a car financed through them and has caught hell. She turned over her business matters to me and I gave them hell when I found out they were trying to charge her over $500 which they ...

Pros: fast approval
Cons: everything else takes forever to fund the check "blank check" isnt really a check

i applied for capital one financing, got approved within a day, then took a couple days to get the check and had to send them some more information, everything went ok......... then i went to the dealer and used the check, says on the back of the check guaranteed payment within one buisness day and the bank claimed that it would take a week to fund the check........the blank check sucks and isnt even really a check, its actually a draft which has to be converted into a check..... i ended up cancelling it and got financing thru the dealer in about 20 mins.

Pros: Ability to submit your own application online.
Cons: Deceptive solicitation.

I was pre-approved according to the letter they sent me. All I had to do was bring in the required materials (paystub, phone bill, references) to the dealer. I had a suspicion, so I tried to apply for Cap One financing on my own ,on the website, and it declined my application. My down payment wasn't significant enough. Well, the letter didn't specify what kind of downpayment I needed. I would have been really embarrassed at the dealer.

Pros: NONE
Cons: Deceptive and perhaps fraudulent practices.

I applied for an auto loan on-line through Capital One. I was quickly approved. They sent me a blank check in the amount of my approval. I did not use the check as I was not sure that I wanted to proceed with the auto purchase. A few weeks after receiving the check, I received my first installment payment invoice! The original blank check was still sitting on my desk. No car was purchase, the check was not cashed yet they wanted me to start making payments. I called them the moment I opened the invoice. They told me the funds (the blank check) were funds already drawn on their bank which of course is insane since the check was not cashed. I would strongly suggest that any consumer shopping for a car loan NOT use Capital One. Just a terrible experience bordering on fraud.

Pros: FAST, easy
Cons: No human contact (if you need that sort of thing)

I read the opinions posted here prior to signing with Capital One, and I must say that I did have some second thoughts. However, You cannot beat the interest rate (5.45%) when compared to what my bank was offering (10.7%). I submitted my application at 6:10 PM, was approved at 6:15 PM, called them to confirm some things, and was off the phone by 6:30. My blank check arrived the next morning, and I purchased my car two days later. My first payment is due in four weeks. From my perspective, if you have a good credit rating and you know what you want, you can't beat it.

Pros: There are no pros.
Cons: all cons. in more ways than one.

I went through the lengthy application and was approved for the amount I wanted, then I was informed I could not buy the car I wanted, because it was to old. Even though the car only had 11,000 miles on it and was a steal at the price it was being offered at. I should have known better after being lied to by them in reference to my Capital one credit cards. But that is a story for another day.

Pros: Enticed with an easy loan processing setup: a "bait & switch" on customer service.
Cons: Misapplied payments, Failure to process automatic payments, HARD time getting SOMEONE to CORRECT account payments.

Misapplied payments and Failure to Process Automatic Electronic Payments:

Principal only payments were applied incorrectly. The automatic electronic payment designated by the loan contract FAILED to happen for 3 months. On-line information was inaccurate because it did not reflect payments applied to the account. All of this caused our account to become delinquent and was sent to collections.

Collections called us at 9:38am on a Saturday morning to inform us that it was our fault that WE did not make sure that CapOne was following through and making electronic payments from our account. Furthermore, NEGATIVE information was sent to the credit reporting agencies which lowered our credit rating.

Summary:

1. We were guilty of paying MORE than was owed to lower the principal amounts
2. Payments were misapplied
3. CapOne did not process 3 automatic pmts from our bank account
4. Calls to CapOne to correct the problem encountered employees more concerned with “talk time” than with fixing our account
5. Our account was sent to their collections department
6. Negative information was sent to the credit reporting agencies

DO NOT USE CAPITAL ONE for your loans.

Pros: 50/50 chance the check won't bounce.
Cons: Employees do not have proper product knowledge. Not worth the headache

Customer Service Reps are hit or miss as far as knowing what they are doing. Bought a car and sent the check to the seller's lein holder. I contacted customer service and asked if it was ok to change the terms of the loan on the check I had used from 36 months to 48months. They said no problem becuase the check had not been cashed yet by the leinholder. A little while later I get an e-mail from Capital One saying they are Federal expressing me a new check!!! Will the check I all ready used bounce or go through? That is the ten million dollar question. If it bounces what do I tell the seller? If you do a person to person transaction with CapitalOne you are asking for headaches. If the seller has a lein on the title the headaches are even bigger.

Pros: Quick approval
Cons: Computer underwritten, horrible customer service, horrible rates, frustrating website, and horrible customer service

I am in the process of paying off my third and final auto loan with Capital One Auto Finance. Back when it was PeopleFirst.com I applied online and within 20 minutes they had called both my cell and home phone plus an e-mail letting me know I was approved. I received a fantastic rate and their customer service was second to none. After Cap One bought them, the service level dropped considerably when I financed another car with them. Now their website is jacked up and I can't log in despite repeated calls to Customer Service to fix the problem. Furthermore, I applied for a new loan and received a horrible rate despite having perfect credit. Everything is done by computer so zero human underwriting of loans is another aspect of poor customer service. I used to recommend them to other people but now I tell everyone, just go to a local credit union where they have good rates and they care about your business because in effect, they are lending you their own money.

Pros: None that I can think of
Cons: Poor customer service, almost impossible to speak to a person

Admittedly my credit was going down hill and I was getting ready to file bankruptcy. I bought a car and it was financed at a very high rate through Capital One (at the time I didn't feel I had many options). I filed Chapter 13 and will be done in 4 months. My car loan was never assigned to the bankruptcy it was kept out and I have always made my payments, although at times it has been a struggle, this is one of those times. My account now shows 4 months behind. Thinking this would be a good time to call and see if they could work with me. What a total waste of time and energy on my part, dealing with both those groups. Even trying to get to talk to a real person was a major nightmare. They informed me that I was a bankruptcy case and that they will do nothing for these accounts, not even when the bankruptcy is ended. As soon as my bankruptcy is over I will be trying to find a way away from Capital One.

Pros: Convenience of Internet application.
Cons: The company's failure to recognize good from bad borrowers.  

Despite my excellent credit score, long credit history, and minimal credit card balance, I was declined without proper explanation.  This was not just outrageous, but an absolute waste of my time.

Pros: Average loan rate
Cons: Inconsistent info from customer service, which appears to all be outsourced to other countries

I would NEVER use Capital One Auto Finance again and encourage others not to. I have been trying to sell a financed used car and they have made it almost impossible to do so. Each person I talk to there answers my questions differently.

Basically, to release your title you must pay off your loan. If you do this in any way other than a certified check, it will take them up THIRTY DAYS to process the payment before they contact your DMV to release your title (and then the DMV will take it's time to mail it to you).

Unfortunately, I was told differently by a customer service agent and so I paid my loan off with an online payment. As a result, I have to wait about 6 weeks before the new owner can have a signed title in hand (and I will be leaving the country, so now I have to give someone power of attorney in order to sign the title).  Capital One's process has created an awful mess for me. I have never had such programs selling a car before.

Pros: None
Cons: Misleading Customer 'Support'

Dealing with Capitalone Auto Finance has been one of the most horrible experiences of my life. We got approved for up to $18,000 and sent in all of our require paper work. Under dealership responsibilities, they are require to call Capitalone to check that we have met all the requirements which I assume they did. Anyways...we go our brand shiny, new car no problem, yesterday night. Capitalone called us this morning to say that what we sent isn't enough, that they need more. Their argument is completely ridiculous, we had everything required. We have been fighting with them for over two hours, being promised that they will send through the loan anyways by two different people, to being told there is nothing they can do and won't approve the loan. Today we get to take back are car. We have credit cards with them, we plan on paying them off with the money we are "saving" by no car payment, and canceling them. I'm fed up, we will never do business with them again. BEWARE.

Pros: It was cheaper than my original loan rate.
Cons: THEY HAVE REALLY BAD SERVICE!!!!!

Refinanced my car last summer with Capital One Auto. Car was totaled last month due to no fault of my own. Insurance paid what they were going to pay which left a balance of $1,400. Capital One COLLECTIONS called the next day to demand payment in full in less than four weeks or they would mark my car as repossed on my credit profile. One of the RUDEST people I have ever had to deal with. I wasn’t even trying to spread out the payment, I said I was going to pay by the 28th(D-DAY) but he said I need to make arrangements to pay it NOW and he just kept saying that and wouldn’t even listen to me....I called back to complain about his treatment of me but was directed straight back to him "Charles". "Charles" said I could not complain to anyone about him. He said he had no boss and I had to deal with him no matter what. Then he "disconnected" on me. What a JERK....No more Capital One ANYTHING for me EVER AGAIN!!!

Pros: NONE
Cons: Everything

Easy to get loan approval. Raise interest rate. Customer service horrible. Customer service can't even tell you anything more then 3 months back. Keep getting default letters when all that should be due is a payment for this month and one late fee for 1-day late. I am very thankful that I didn't choose to do auto draft because of the fact of what I am hearing. Waiting! to hear back we will see. Would not recommend to anyone! I think I found mistake from back on July 30, 2007, of course customer service doesn't compute back that far couldn't tell me anything. So I have been sending in more then payment every month to get paid down and off quicker. I guess maybe that is the problem lack of what to do with extra money???? Worthless company to deal with.

Pros: Nada
Cons: don't tell you their needs, don't let to let you know if there are problems

Don't rely on the information in the "blank check" booklet...you have to be psychic to know what they really want. After having made a person-to-person transaction, I eagerly awaited the "OK" email from C.O., and after the guaranteed 1 day, nothing. So I called...the also have to have a copy of the title, registration, and a vehicle inspection report. OK, the guy I bought it from went to his credit union & asked for a copy of the title, and sent it to me, and I faxed to C.O. I heard nothing from them, so decided to call. They said there was a problem - the vehicle inspection report had no signature, date, & a statement "passed vehicle inspection". [see the trend...if there's a problem, they're not going to let you know about it...call them every few hours!!!]. Apparently, when you fax them, you're supposed to use the exact same fax sheet you had the seller fill out for the most part. I could go on, but my fingers are tired. NEVER USE CAPITAL ONE AUTO FINANCE!!!!!

Pros: None what so ever
Cons: They are crooks

Having not very good credit I was able to get a loan on a 2004 Jeep Liberty with 27K miles on it for about 18K... I'm about 1/2 way paid off and the balance is still over 12K and blue book is 7K now. This is a hole that will never end. There must be guys smoking Cuban cigars on the beach from this kind of activity. I'm going to make it but in retrospect.... This is the reason the poor stay poor. If REAL interest rates are not available we shouldn't be allowed to get stuff. These guys are legalized gangsters, they need to go away!!

Pros: You can apply on the web
Cons: Capital One, for the average customer, is an impenetrable bureaucracy.

My original car loan was with PeopleFirst, who were great to deal with, and then Capital One bought out PeopleFirst.

I will never take a loan out (of any type) with Capital One, they are a huge corporate conglomerate and your loan will carry all of the baggage that comes along with most corporate conglomerate's.

Yes, their customer service stinks, that's because they don't care about any one customer.

Pros: Quick. Website great way to monitor loan and payments, and very easy to pay online.
Cons: none

I paid off my 3 year capital one auto loan in 7 months and after reading some of these reviews expected to wait a long time before getting any lien documentation. I was pleasantly surprise, however, when the documentation came two weeks after I paid off the loan. The only negative I saw was that you had to mail a check to pay off the loan and couldn't pay directly with a bank transfer like all the other payments, and really that's only a minor inconvenience. Getting the loan was a breeze, and it was great to go into the car dealer with a loan offer with 2% lower interest than they were willing to give me. I've had a great experience with capital one and would absolutely recommend them.

Pros: Fast, saves time and hassle when negotiating with the dealer.
Cons: they limit you to a very specific amount you can spend.

I applied online and received the check very quickly. It saved a lot of time at the dealer because I didn't have to negotiate dealer financing into the final cost of the car. The payment is automatically deducted from my bank account.

Pros: NONE
Cons: EVERYTHING IS BAD ABOUT THEM THEY WILL RUIN YOUR LIFE

I too am a victim of capitol one they have taken my credit hostage. I received a payoff letter from them last year. I paid what they told me to. and then 2 weeks later they send me a letter saying i still owe approx $600.00 and then another letter saying i owe approx $800.00 but in the mean time they send me my title. and then then phone calls started they would call every hour on the hour and i would be on the phone and call waiting would ring in and it would be another customer service rep threatning me telling me another amt i would have to pay. I have filed several complaints with the FTC and I pray that justice will be served and we could be involved in the class action law suit against this horrible company!!!!!!

Pros: none
Cons: Very opportunistic on refinance, only intent is much profit from your wallet.

The rate given to me is ridiculous from 15% to 13.75% that is with a very good credit record and credit score. This is one of the opportunistic Banks like the car dealers who just want to take advantage of people trying to get out from debt. Don't even waste your time applying for a refinance. Their customer services are the worst dumb people Ive ever have to talk with. They don't know anything about the service they are providing.

Pros: online
Cons: bad customer service

I ordered the Blank Check on May 25th with the overnight delivery. On June 4th, it was still not here, so I called. It turned out that Capital One had never sent it! I get a check sent to me...but I didn't end up using it. I still received a $15 fee for the overnight delivery. I called and told them the situation. They said that they sent me an email telling me to call them before they would send it out, so I still owe the money. This is not true, as the email says to log into my account OR call. I logged into my account immediately. I really hate when phone reps do not know what the website/bulk mail/email says.

Pros: Low rate for used vehicle
Cons: OVERALL a BIG hassle

I paid my loan in full 5 months ago. They applied my payment incorrectly and it took several weeks to get it fixed.

Never received a title release despite several calls. Now since I moved they refuse to send it to my new address!

Never again.

Pros: Great rate...
Cons: worst customer service ever...not worth the rate...

I paid off my Truck in October 2006 2 Years before my loan was scheduled to be paid off. I have fought with them every week asking for my lien release and title, and also my credit to show as paid. Every week they would tell me they were sending it out, and that I would get my title and that they would report at the end of the quarter. Guess what I finally got my lien release (only) the lien release I have to go pay for my title, and it was dated March 13 this year 2007. Seems like all they do is lie. I was told the last time it would be sent overnight, I told them I wanted a tracking number they gave me one..a fake one..and sent it normal mail. they still show on my credit as a 25,000 debt..and well if I call I will just get another line of bull. If you can go elsewhere, do for your own peace of mind.

Pros: None
Cons: You have to do all the legwork to resolve an issue.

I cancelled the extended warranty and the refund should have been credited to my loan balance. However, CapitalOne says they've never received it. Furthermore, their customer service reps aren't willing to go any further to help than to just look whether they cashed a check for the refund amount. They won't even call the automotive company's finance arm.

Basically, over the last 4 days I've called both about 20 times and neither have been very helpful.

Before this experience I would have recommended them to a friend. However, after this I will never use them again.

Pros: NONE.
Cons: Total lack of customer service.

This company has a total and complete lack of customer service. I challenge anyone to find a competent individual to talk to within their organization. Please...do not even consider making an application with this company. They are incompetent, and worse, they don't care a lick about you. You will only wind up extremely frustrated.

Pros: I honestly can not think of a single one.
Cons: Horrible service. Bait & Switch. Delays. These guys should be investigated and shut down.

They sucker you in by "approving" you instantly and appearing very efficient. The "approval" is not real - they can (ad dis with me three times) do a "real" approvals, confirmations, change rates, and other games after the fact. Then there is the absolute lack of customer service and inability to talk to anyone human, ever. And if you do get a human, they can do nothing more for you than the computer. You might as well be talking to a rock.

Oh, and did I mention that they don't always honor the blank check? It is NOT as good as cash. I had to wait almost three weeks for my car to be released to me because the dealer claims that Capital One checks are about as good as any old personal check. At the time I thought they were playing games, but now I know better.

I honestly wish I could rate this even lower. If you have ANY other option, do not use Capital One! You have been warned!

Pros: Sorta convenient for the seller.  
Cons: When you get someone from India who is clueless, the frustration really mounts. 

After working the automated phone system that is only good at directing customers to their website, I finally got a human from somewhere near Mumbai.  He was great with a script, but he had no clue how to help and transferred me to an native English speaker.  (somewhere in North America I'm presuming from the accent)  If you want to support the export of jobs through your own frustrating experience then hook up with capital one.