We had a 66 month contract with Capital One Auto Finance which began with the first payment due on 11/1/2003. Somewhere along the way (hurricanes and evacuations/no power or phones) the contract was extended to 68 months. On June 1, 2009 I knew that my balance was $1138.47 plus $643.76 for the late charges that we had accumulated over the course of the loan. I had been paying my $559.99 payment to them on line or through my bank since 2005. On 6/19/09 I went on line and Capital One was stating that my payment of $559.99 was due on 6/1/09. I... read full review »