Capital One auto has ruined my credit!!! I have tried tooth and nail to protect my credit to the best of my ability with all my accounts. As of now I have not been late with anything for over 7 years, so I have relatively good credit. I refinanced my loan with Capital One Auto in early 2008; I went a few days past my due date. I called Capital One and they wanted to charge me a convenience fee of $15 for paying over the phone. I opted out and decided to go online because the represented told it was free of charge. I went through thi... read full review »