Updated: January 23, 2012 2:25AM
Dear Fixer: Last December, my husband was not working and had been out of a job for nearly 21/2 years. Things were really tight, as I had only been working since August.
After hearing about our situation, the wonderful people from the St. Vincent DePaul Society at our church decided to help us get caught up on some bills. They were gracious enough to write a $415 check to our auto finance company, Capital One.
They attached the check to our note for our loan and mailed it to the address on our payment receipt. We have been in constant contact with Capital One since December, as they claim to have never received the check.
We have given Capital One a copy of the carbon for the check, showing who it was made out to, with the amount, check number and the account number it was to be applied to. We have given them a copy of the bank statement showing that the check was cashed.
They are telling us that since the check was made out to Capital One and not Capital One Auto Finance, and since we have no way to prove where the check was mailed, it is forever lost in one of their other companies, probably in an account where funds that can’t be accounted for are deposited.
Not only is it frustrating because we must now make up that payment when funds are still tight and we are still trying to get back on our feet — although we are grateful that my husband now has work — we are saddened that our church was so generous with us and now the company is the only one benefitting.
Lisa Kuban, Palos Heights
Dear Lisa: After briefly pondering taking this to the marauding “What’s in your wallet” guys, The Fixer instead gave your problem to Capital One communications people Patrick Mendoza and Sukhi Sahni, who got it straightened out in a hurry.
And the good news is the $415 is on its way to your auto loan account, where your friends from church intended it to go. Capital One also is back-dating the transaction, so you won’t be hit with extra interest or fees.
But the original error, they discovered, wasn’t made by Capital One.
As it turned out, you had accidentally provided the wrong account number. so the church sent the money there instead. We’re not sure why Capital One couldn’t fix this sooner, but we were happy to help get it moving.
Best of luck to you and your hubby.