It is Capital One Auto and I have to say they were very nice. I was two months behind on my bill because of a hospital stay and they worked with me and were extremely courtesy. Remember, you get kindness by being kind.
Teri, they might have been nice to you, but to many of us, it doesn't matter how nice we are; the workers tend to be very, very pushy. So please, suck your words up. Using the facade of a goody-two shoes doesn't work.