My friend just assumed an auto loan through capital one auto, and used me as a reference.

EVEN as a reference- they call ME non stop. I dont have any credit cards, and my loan through GMAC was paid off 3 years ago. They call asking for my friend, Ive told them a dozen times she doesnt live here and gave them HER phone number, yet they still call 10 times a day.

they KEEp calling & won't STOP!

I know how you feel people. The samething is happening to me. The generated phone system. All hours of the day every day. I am late as well, but there is no reason to continue the generated calls. They must think people are getting annoyed with this. Plus, calling ur cell phone and doing the samething.

you want all this crap to stop?   or at least become fair? Vote out your current US congress(wo)man and senator, put in new blood, and demand they regulate credit card/bank loans so they cant keep gutting people with endless doubled and tripled fees when you run into trouble. They make SOOOOOOOOOOO much money on credit accounts it is incredible. When they sell them off to collection agencies it is often for 50% of the amount owed.. and THEY STILL MADE MONEY OFF YOU.   Regulate banks   limit credit interest rates and stop UNFAIR bank rip-off policies like being able to change the terms on their whim, ELIMINATE "universal default" - where they all up your interest rates when you are late on JUST ONE account...  finally, 18% is the HIGHEST it ever should get... charging people who are in difficulties 29.99% with late fees and over limit fees is EVIL.

Harry, it's not going to happen. Sorry. I would also like to see the changes but it's not going to happen. They don't care about you. Elect some different ones, give the lobbists a couple of days and it will be even worse. The current group of bankers has made such a mess of things they had to get the multi-billion dollar bailout and are now receiving the million dollar bonuses for their hard work.

I would like to see a big B tattooed on the forehead of bankers so when they walk into my little store they are charged my fees such as the lights on or off, want to walk on the carpet (and the carpet cleaning fee), answers to questions and so on.