Help with Capital One Auto

[Delta13]

I'm so defeated right now and I need advice. I had a car financed with Capital One for about a year and a half. It was automatically deducted from my account each month. The car was totaled in December of 2021. January and February payments still came out. GEICO took possession of the vehicle in January but too forever to pay off the car (I had gap insurance). It is being reported as being 90 days late because they didn't actually pay it off until May or June of 2022. I reached out to GEICO and they sent me a letter stating that they had the car as of January of 2022 due to it being a total loss.  I'm trying to buy a house and those late payments are killing me and my score dropped a lot. I wrote a goodwill letter to Mr. Fairbanks and I just got a call tonight that my request was declined. I'm so defeated right now. Is there a way to appeal that decision or is that the final word?  I have 5 credit cards that were all running balances. I paid them all off a few days ago and paid off a personal loan with Lendmark. I know that will help I feel like the late payments being reported on the car will haunt me for a long time. Any advice is appreciated 

[citymunky]

I feel for you as I similar situation happen to me, car was totalled in January, took to March for pay off. As a result February is being reported for 30 Days on TU and EQ, and two 30 days late for February and March on EX (even though Loan was paid off in early March). I tried Goodwill letters to my lender with no luck.

[Delta13]

Can I appeal the decision or is that it?

[FireMedic1]

Welcome @Delta13 

Sorry. Thats it. Cap1 isnt known for GW.

For others reading this. Always make payments until your told to stop. Just because it doesnt run from a wreck, fire, stolen, ect. You still have to make payments to the end. Dont trust CSR's. If you overpaid. Then thats another story.

[citymunky]

@Delta13 Appeal with who? The CRBs

[Delta13]

I was thinking Capital One but that won't work. I'm just so defeated right now and grasping at straws

[FireMedic1]

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@Delta13 wrote:

I was thinking Capital One but that won't work. I'm just so defeated right now and grasping at straws

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@Delta13Sorry. But thats how it works. You dont stop paying a mortgage cause you lost a home to a hurricane like the folks in SW FL from Ian or beach homes on the east coast from Nicole. Same deal.

[Delta13]

I realize that now please keep in my that I have never totaled a car and I was not aware of the process and how gap insurance works.

[NYC_Fella]

My car was recently totaled. I kept making payments to Capital One Auto Finance until my claim was settled. It never even crossed my mind to stop paying. That said, if Capital One got paid off in full by GEICO, it can't hurt to push Capital One for an appeal. For something like this I would keep escalating until I reached someone with decision-making authority.