18009460332

it was a mess .. my atty did not tell me all the nfo i needed to know and so i was n the dark bout where i was to pay my car pymnt and like some of these ppl..went on capital one online and my acct had been cleared out...and i need to find out my balance on my loan but, keep getting the run around to call this number then another number..be nice to talk to some one who cud just give me the answer..

ok...well I found out the same thing today. Filed BK 7 a couple weeks ago. Went in to make a payment a was surprised that I had a zero balance. Almost got excited my loan was paid off. Called Cap one and received the same info as everyone else. So I called this ascerion place and talked to a BK specialist. The deal is...if you are keeping the car....as I am...Capital One by law can not communicate with you. No creditors can talk to you during the BK process. If they send statements or whatever, they are breaking the law. So they send the acocunts to this company so you can keep making payments and once the BK is discharged, it will go back to Cap One. If you think about it...it makes total sense. I was given the address to send payments and was told to make checks out to Capital One and reference the Cap One auto account number. So it sounds like this company is just playing a middle man so no laws are broken. I had no issues talking with them and all went well. So far.

makes no sense!

The company is Ascension Capital Group , main phone is 817 277 2011.  The handle bankruptcy cases if you have a car loan with Capital One.  Also short sales and other types of bankruptcy cases for the lenders.

Where is Ascention located? Who is easier to deal with?

Julie it does sound complicated, when you call capital one they give you a phone number, you call that phone number you get a new account number then you pay them!  Its the Law and yes its a lot of running around especially when you don't know the new account number! What really sucks is you don't get a conformation number  so hopefully the check went thru lol. I took note time and date!

Filing bankruptsy must be difficult, I mean legally, but with the economy the way it is, I imagine more and more people are doing it. We are having finicial diffuculties now, who knows? We may be next. But I do know it is nothing to be ashamed about. Nobody can predict what their finances will be. I personally know people who worked for corporations that went out of business. Oh well, I hope it gets better for everone!!!

It sounds like a lot of hassle to me! But, you do what you have to do. What kills me is you have business dealing with these people, but yet they are not allowed to talk to you. Does not make sense what so ever!!! But what do I know?! Thank you again!

No they are not allowed to speak with me but once you call capital one or go online they do tell you where to go! and it goes to ascension collections.  Once everything is discharge then it goes back to capital one! If i send the payment to capital one they bounce it right back!  ascension is shady nice lady but asked if i was keeping the car, i asked her if Capital one was going to lower anything she said no! I laughed and said well speak with my attorney about the vehicle!

Roberto, is chapter7 total bankrupt or am I thinking of chapter11? If you legally go through this, and are able to keep your vehicle, should'nt you be able to know who holds the loan?? What if you sent the payment to the wrong place? Then would'nt your payment be late? This does not sound right!!! Thank-you for your reply. Have a good evening.

Julie, when you file chapter 7 Capital one moves your account after the bk is discharged then you will go back to capital one. Capital one cant tell me the information because they are not allow to speak with me! I found out by reading the info on this site called Capital one the next day and sure enough they moved my account!

To me, it sounds like you are getting the run around! How can accounts just be transferred w/o the persons consent? Jeeze, hard working honest people just cannot get a break, can they?!?! So, how did everything work out so far? Be careful of the info you give out on the internet.  Wishing you the best of luck and many blessings!

oops does not report typo huge typo so sorry!

July 3, I filed for BK,  I called  capital one  the same day I received my case number.    I had never been late with a payment.    I asked; Capital one ,  if they would change the interest rate to help make the payments more affordable. She thank me for the Capital one business and said she would hate to lose me as a customer.

I told them i have two vehicles and the other lender was nice enough to dramatically change the interest rate but we would like to keep one car and unsure which is right its pending budget approval from ME!    The CS Rep was very nice and explained they don't refinance their own auto loans however, they would be sending my attorney  a document to reaffirm the auto loan.  

She did ask me,  if I would sign the paper, I told her right now I can't answer that question.  I know you don't refinance auto loans and the interest rate would remain the same,  I need to sit and think what is best for my family.  She understood and she was respectful.

Well on the 5th of July I went to Capitalone.com  to look at my online  account, my heart  drop for a second because the balanced said 0.00 .   That is a  quick move by Capital One.      I am sure they moved my account over to Ascension BK division, mind you i just did a Google search and saw this. My Attorney did advise me that some companies move their auto loans to a different place pending the signed of a document and we shall not sign!

I wanted to be on top of things so I have been using Google!    Capital  One / Ascension  does report any positive payment on the credit report its pretty much, A Pay To  Go Auto Loan!  ( You pay you go drive, you don't you shall stay home from work)    ;o)

My husband and I understand  we CAN'T BE ONE DAY LATE, Since the car is a 2010 they would be ready in a heart beat to snag the vehicle!   My husband and I were thinking about refinancing after the bk is discharge however we wanted to wait to see what car is out there and what type of interest rate can we get! The loan was done in the summer of 2011 and the loan is being discharge of 2012 so the car is a year old however, they still can make money by selling the vehicle.   Yes we like the car is it worth what we are paying? Well we put a grand down so yes/no would i look into other vehicles yes but i would like to have a substantial down payment!   I know i might be with the sub prime lenders so this is why we want to take our time and do it slowly, is the car over priced on the auto loan? "Yes it is"! Would i be paying the same at a different lender I don't think so i would be more of a sub prime type of deal and using auto calculator for loans and perhaps after a year, i think i would get something brand spanking new! All i need is to repair the credit save receipts and once again see what is best for my family! Best of luck to all!

I have just filed chap.7 and went to pay my capital one car payment to find it was gone.  Freaked out because I thought they filed my car and I requested to keep it.  I was able to call Cap one and mke my payment over the phone.  My payment was late because of the way my pay falls and I didn't know where to pay it.  so i hope the Ascension one co doesn't come and take my car for 3 days late.  Thats all I would need. unreal. After reading the above posts I felt a little better but not with hearing about the service, I am hoping once I receive my discharge it will go quickly back to cap one.  I am definitely paying my car off come tax time...Thanks for the info even though it was posted last year...

As many of you are stating I am finding out this information as well.  We filed Chapter 7 about a month ago and we have had no correspondence from them, by law they can't.  I understand this but wouldn't it have been nice to find out where my car loan was?  They could have notified my attorney.  We are reaffirming this loan and will continue to make payments.  I called Capital One today and did a pay by phone, even though they charge $9.95 to make a payment by phone.  

This is crazy.  I don't understand why when I call it just rings and rings and nobody answers.  Then when it does answer the mailbox is full.  I have sent an email to Ascension and also the Capital One to find out what in the world is going on with my loan.

Does anyone recognize this business?

yes, this number is capitalizes, mostly for cars.... but if you filed bankruey or or haven't paid your carpayment this company takes care of it for capitalone.

midland credit management

I just expierenced the same thing. I have never been late with this car payment and I am filing chapter 13 while always maintaining the car payment. I went online to look at my account and it was gone. A automated message told me that my account was with accension capital. I have had no correspondence from either company and was never notified. This is ridiculous.... and they give creditors a bad name. I will never deal with capital one again.

Trying to contact capital one, but won't answer my phone call!  Said loan was transferred to ascension
capital without any notification or anything at all.   Not even late on my payments.  Just because I filed
bankruptcy, who cares about us anymore.  Thanks for nothing.

Thanks for that information, Laura!  I just filed for ch 7 and am experiencing the same situation.

My loan is with capital one too. Just filled ch7. Never late on loan and will be keeping car. Did some searching on Internet. Advice from people is that this aschenion place is very difficult to work with. Just keep mailing checks to capital one via priority mail with confirmation. As long as capital one has your payments on time, nobody can do nothing to you. Advice I've found is don't even deal with this other place. If your filling bancrupty, once the discharge is completed, the loan goes back to capital one. But make sure u have make photocopies of checks cashed, delivery receipts, etc. I actually have had any formal communication from either place. Found out only because my online payment area at capital magically disappeared. As soon as I'm out from all this and back in a better position I will be finding a better place for my car loan. Capital and this other place can suck it kindly. Hope this helps

Im having issues speaking to someone from this company. It keeps ringing then says to leave a vm after the tone. My auto finance is capital one. any other tel numbers?

They also do bankruptcy collection for Capital One Auto Finance

Among other things, they do bankruptcy collection servicing for HSBC Bank

This is ascension capital group