Vehicle loan or lease -- Repossession -- Complaint #16977495
Complaint Overview
Complaint ID: 16977495
Company: Capital One Financial Corporation
Product: Vehicle loan or lease
Sub-Product: Lease
Issue: Repossession
Sub-Issue: Lender trying to repossess or disable the vehicle
State: Texas
ZIP Code: 78249
Date Received: 2025-11-02T12:00:00-05:00
Date Sent to Company: 2025-11-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Capital One Auto Finance confirmed in writing on Thursday, XX/XX/year> at XXXX AM that repossession of my vehicle was paused. At XXXX AM, I received notice that my vehicle had been repossessed despite the prior written pause. I later spoke with an escalations XXXX who acknowledged the repossession, but argued it was valid because the driver was already in the vicinity, which contradicts the written confirmation. I have filed a dispute with the company and am currently waiting to hear back with their decision.
Frequently Asked Questions
What is Complaint #16977495 about?
Complaint #16977495 was filed against Capital One Financial Corporation regarding Vehicle loan or lease specifically about Repossession. It was received by the CFPB on 2025-11-02T12:00:00-05:00.
How did Capital One Financial Corporation respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Vehicle loan or lease) and describe your issue in detail.
Can I see other complaints against Capital One Financial Corporation?
Yes, visit the Capital One Financial Corporation company profile at readthecomplaint.com/company/capital-one-financial-corporation to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.