Have had a personal loan with capital one for 60 months, the final payment was due 1/3/09, I called their auto telephone to see what the status of my account was, it did not match my records, so I called their customer service line and wow, what a mess, first of all no one I talked to could speak english, I had had my payment automaticly deducted from my bank for 59 months, no problems, I asked why my last payment was not taken from my bank and I was told I had to mail the final payment in as a letter had been sent to me. I recieved no letter... read full review »