11/21/2023 0 Comments Capital one auto loan callThis brochure can be obtained by visiting a U.S. The Consumer Pricing Information brochure lists fees, terms and conditions that apply to U.S. Bank personal checking and savings accounts. Bank personal checking or savings account is required, but neither is required for loan approval. In order to receive the lowest rate advertised, a setup of automatic payments from a U.S. Rates may be higher for smaller loan amounts, longer terms, vehicles older than 6 model years, a lower credit score and other qualifiers. Rates as low as 8.24% annual percentage rate (APR) are available for auto loans with a 36-month or less term for $30,000 or greater an LTV of 80% or less a vehicle age of 12 months or less and an applicant with a credit score of 800 or higher. Find a financial advisor or wealth specialist.And with their records being incorrect this also means that the fees assessed would be incorrect as well, unless I am missing something. I understand that interest would be the cause to some of these leftover fees, but is there any thing else I can do to show that I had never had a 30 day late payment? I have all of my statements and I can get by bank notes showing all of my payments and the dates.Īt the moment I am still planning on paying any fees left after the loan maturity date but their records are wrong which means this stuff has been reported on my credit. I only requested 2 for the life of the loan and have the files for that too. They put me on hold for close to 30 minutes then came back and said the 30 day late payments were all from the extensions. I advised that at no point was I ever late on my payments by that much and at the worst case it was on the 15th-17th due to how my paychecks were handled at that time. ( This was primarily due to me screwing up with my previous car and having it repoed a couple times, lesson learned I never wanted to go through that again) My loan agreement had a statement in it that any payments past 10 days were considered late and would be subject to additional costs so I wanted to avoid this as much as possible. Towards the start of the loan I had a couple issues come up so I called in to request an extension which was granted but this was on or before the due date when I knew I was not going to be able to make the payment on time. They said that my account had 3 payments that were over 30 days past due, which I never had, all my payments were made either on the due date or no later than 5 days after. The informed me that the loan was currently 4 days past due so I inquired what the extra payments were for, this was something I had intended to do anyway prior to paying the remaining balance so I knew what was going on. I called them today to find out my options and advised them that I had initially planned on paying the remaining balance the same way I paid my loan payments so it would have been split up between next month and the following. My auto loan matured on the 12th of this month and shows that I still owe around $650~ Hello, I wanted to ask anyone here for some feedback or help in navigating this issue. Here, please treat others with respect, stay on-topic, and avoid self-promotion.Īlways do your own research before acting on any information or advice that you read on Reddit. Get your financial house in order, learn how to better manage your money, and invest for your future.
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