<prompt> Human: Hi rpersonalfinanceI have an auto loan with CapitalOne one of worst decisions of my life, and am in a real pickle.I had missed a total of three payments earlier in the loan, and in August they called saying the car was in danger of repossession. Understandable, I had been out of work and had missed the payments...my fault.The agent I spoke with offered me two things, 1 pay over 1100 that I didnt have, or 2 enter into an agreement.The agreement details were that I would schedule two normal payments in advance, and once those two payments had completed the final missing payment would be moved to the end of the loan and the loan would be current.Those payments dates were scheduled for August 26, and September 20, in the amount of 340.38. The August payment was done on the 26th. Capital One then issued the ACH request on the 20th of Sept, as I agreed, and had been scheduled by a Capital One agent.I got a call from them today, returned the call and was informed that the car is slated to be assigned for reposession tomorrow. Caught quite off guard by this, I asked WTF. I was informed by the person that the payment that was scheduled for the 20th was indeed processed on the 21st, because the 20th was a Sunday.So, I challenged it. I did not schedule the payments, a Capital One agent scheduled them. That agent made a mistake scheduling the payment for a day Capital One doesnt process payments. I agreed to the plan, both payments were deducted without issue, but they are now saying that the terms of the agreement were not met because the payment schedule for the 20th didnt process until the 21st.I was informed by the person that the department that could resolve this issue was not available tonight, and that I will need to call tomorrow.Assigned for repossession? What the fuck does that mean? The rep on the phone sure couldnt provide a sensible answer? Does that mean the car is going to be physically repossessed tomorrow, or is it some corporate fear mongering to try and squeeze money from me?Beyond all that, how should I handle this problem? I met the terms I had agreed to, Capital One failed to process the payment on the day that was agreed to, yet they are trying to shift the blame to me.Ultimately, I suggest everyone avoid Capital One at all costs when purchasing a vehicle. I will not give them my business at any time in the future because of how aggressively irresponsible and arrogant they have been about this.  <response>: Assigned for repossession means just that. Your car has been assigned to a party to get repossessed. They cannot repossess this car if its in a garage or behind a fence to my understanding. Does that mean the car is going to be physically repossessed tomorrow, or is it some corporate fear mongering to try and squeeze money from me?It means they have put a note in their computer to have whoever repossesses cars for them to come pick your car up.Beyond all that, how should I handle this problem?You should call them today, just like the agent said to do, and talk to the person who handles this. Ultimately, I suggest everyone avoid Capital One at all costs when purchasing a vehicle.No offense, but YOU were the one who missed 3! initial payments on this loan to start with. Capital One did what any lender would do in this situation. In fact, Id say they went a little further than most by working out an agreement with you to keep the car. Some lenders would have just came and repossessed it on the spot. I agree that its questionable that they want to take the car now due to a payment being made on a different date and that does need to get resolved however, but thats hardly a reason to tell everyone to avoid them at all costs when none of this would have happened if you would have been on time in the first place.Where was your due diligence to see that everything was taken care of after they took out the payment back on September 21st? 