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.