Review and analysis of over 94 complaints against Capital One
Capital One consumers have reported over 94 official complaints related to Application, originator, mortgage broker. Out of the 94 consumer complaints against Capital One, 22% were disputed by the consumer (i.e. the consumer was not happy with how Capital One responded to their complaint) and 99% were processed in a timely manner. 11% of consumer complaints against Capital One resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 11% resulted in non-monetary compensation.
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Capital One Mortgage application, originator, mortgage broker May 24, 2016 - Started a loan application to purchase a new home with Capitol One Mortgage on - -, -. The loan officer overlooked a document explained in attached - page verification of incident described here which led to my credit score of : - at the time of this loan application which dropped to - as of -/-/- over - credit pulls by Capitol One Mortgage as proven by -. In addition to an issue with - error in a failing to mail a new credit card with bill to correct address ( as reported to cfpb on -/-/- ).... |
Capital One Mortgage application, originator, mortgage broker May 18, 2016 - I applied for a mortgage from Capital One. In early discussions I told the consultant that I was in the process of deciding if I should buy a house now and take a new position within the same company later in 2016 and wanted to know what I could qualify for at this time. I completed the loan application and was told by the consultant that she would not complete the application until after I had applied for, been offered and accepted the new position and had been in the position for 2 years. I did not receive an appropriate declination letter and I do not believe that I would have been declined... |
Capital One Mortgage application, originator, mortgage broker May 10, 2016 - I underwent a refinance with CapitalOne last -. During this process my home came in at a value less than expected, and I indicated that the loan offer was thus not very attractive to me. The loan officer then told me he would work on it, and I was presented with a final calculation of escrow plus payment that came to $990.00, less than what I was currently paying. However, he did not inform me at the time that in order to reach that calculation my escrow was only partially funded, leaving me with a negative balance that I had to make up. My mortgage payment just jumped to $1100.00, whic... |
Capital One Mortgage application, originator, mortgage broker March 24, 2016 - On -/-/16 my wife and I applied to refinance our first and second mortgage and get about $15000.00 cash back with Capital One. We called after seeing an advertised Jumbo Loan refinance rate of 3.5 %. On -/-/16 we were approved for a loan pending an appraisal of our house. The appraisal eventually came in a bit lower than anticipated and Capital One gave us - additional options to refinance without cash back. We had the option of a loan at 4.0 % with no point, or 3.65 % by paying a point and higher closing fees. My wife and I decided to pay the higher closing fees and take the ... |
Capital One Mortgage application, originator, mortgage broker March 10, 2016 - I applied for a mortgage refinance with Capital One Home Loans on - -, 2016. The agent I worked with is - - ( - - ) and - -. I provided the documents they initially requested and sent my details and they ran my credit. We agreed that if I cancel my application after I accept their offer my Capital One credit card will be charged $450.00 but if they decide to cancel it will be at no cost to me. While performing their title search they requested additional information regarding the mortgage of previous owners of the property ( the - owner before me ). For this inform... |
Capital One Mortgage application, originator, mortgage broker February 27, 2016 - IN - MY HUSBAND AND I SECURED A HOME EQITY LINE OF CREDIT FOR - THROUGH - BANK. A YEAR LATER CAPITAL ONE PURCHASED - BANK AND ACQURED OUR LOAN. OUR PROBLEMS DID NOT START UNTIL - WHEN CAPITAL ONE PLACED AN ESCROW ON THE ACCOUNT AND STARED ADDING FORCED PLACED INSURANCE ON OUR HOME. DURING - OUR HUME WAS DESTROYED IN HURRICANE - AND INSURANCE WAS NOT REQUIRED AT THIS TIME BECAUSE THERE WAS NOTHING TO INSURE. THIS WAS E-PLAINED SEVERAL TIME AND AND ESCROW WAS REMOVED FORM THIS ACCOUNT AND ANY FORCED PLACED INSURANCE WAS REFUNDED. HOWEVER, IN THE COMING YEARS ON - FORCED P... |
Capital One Mortgage application, originator, mortgage broker February 25, 2016 - - mortgage with Capital One bank. Interest payment jumped from $ -/month to $ -/month. No one can explain why. Then they decided they wanted the loan repaid immediately. They could not maintain employees as every time I called the previous person was no longer with the company. We would have to restart from scratch with a new banker. I have turned in their requested paperwork to at least - employees via fax. The most recent phone conversation said the loan application was closed because I did not send in the requested paperwork which is false. Also during the most recent phone conv... |
Capital One Mortgage application, originator, mortgage broker December 15, 2015 - My name is - - -, - last - of social. I apply for a mortgage loan with Capitalone bank on - - -. The loan officer checked my credit and stated it was to low. She stated Capitalone 's minimum mortgage score is -. She stated my credit with Experian was - but that was a lied. My credit score at the time of verification was -. In the past 4 months my credit has never been below - with Experian. I have Credit Tracker with Experian. I checked my credit with Experian confirming it was -. I believe the loan officer discriminated against me. She lied about my cred... |
Capital One Mortgage application, originator, mortgage broker December 7, 2015 - I based my decision to put up my deposit on the contract based on the good faith estimate given to me by Capital One bank. Upon receiving the HUD1 the estimates changed dramatically whereas now I ca n't meet the closing cost. Now that I canceled the closing they are sending me bills for attorney fees, title search appraisals etc. What are my options? ... |
Capital One Mortgage application, originator, mortgage broker December 3, 2015 - I had applied for refinancing my apartment loan with Capital One Bank. After I went through the entire process, provided all documentation ( tax return of 2 years, COOP share certificate, 8 years Government Civil Service employee and salary proof ) requested by them, paid the fees $250.00 for appraisal, $200.00 for their COOP board evaluation, after a month and a half with back and forward, they sent me an email indicating that I had been denied because the COOP insurance does not cover three months of maintenance which is required by -, and no bank would refinance it. They indicate t... |
Capital One Mortgage application, originator, mortgage broker December 3, 2015 - Capital One N.A . -Alleged Creditor actually a misconduct debt collector who violated Federal Consumer Laws FDCPA. My house was stolen by a well-orchestrated group of people from a BK Judge - - to debt collectors - collecting not on a real estate loan but an unsecured debt. The debt collector - - - dba - -, Captial One N.A., - - owner of - - - - - - -, - - - and - - servicer of -. Please refer to my letter for the illegal seizure of my home - all debt collectors violating FDCPA to seize my home and equity. I was eligible for Q... |
Capital One Mortgage application, originator, mortgage broker November 24, 2015 - Was instructed to send in my personal info, income, Social Security numbers, eat. To the Capital One - Office attention Imaging center. They have lost my documents. Told me they would have not told me to send in via mail, they did. All conversation are recorded as will show I followed instructions. My personal info is out there somewhere. ... |
Capital One Mortgage application, originator, mortgage broker November 5, 2015 - Case number : - am filing a complaint against Capital one. We have followed everything we were told to do. We reapplied for a modification and sent in the updated information as per their request. - from Capital one was the representative who was handling the complaint. He is no longer with the company when we called to get the status and we were told to reapply. Now we are $12000.00 in the rears, this is a disgrace and predatory lending and fraud. Capital one is deceptive, racist and misleading. They have put people in a foreclosed state. They play games with their modification and ca... |
Capital One Mortgage application, originator, mortgage broker November 3, 2015 - I 'm currently refinancing my house from a 5-year ARM to a 15-year fixed conventional mortgage. I have applied to several mortgage lenders to compare rates. Capital One has offered the lowest price, but partly due to a limited time promotional offer of a $1000.00 credit off closing costs, and this offer has been extended ( per email ). However, the lender has not documented it in the Loan Estimate which they provided on Monday - - based on an application I made on - -. I have twice requested that the lender add this promised non-specific lender credit to the Loan Estimate disclos... |
Capital One Mortgage application, originator, mortgage broker July 9, 2015 - I was interested in re-financing my existing 5/1 ARM with Capital One, which is in its - year. Their website ( capitalone360.com ) states 5/1 loans are available with no closing points. I called to start the re-finance application and was told that I would have to pay 1.25 % in points. This was not disclosed anywhere ontheir website. The loan I wanted for 0.00 % points was only available for a home purchase ( not re-finance ) with at least 40 % equity ( I have over 80 % equity ). Nothing on the website indicates these conditions except for the example of the monthly payment. This is basical... |
Capital One Mortgage application, originator, mortgage broker June 1, 2015 - We prequalified for a loan with Lender. Lender quoted several different interest rates over 3 days discussion. Lender committed to being able to close within 30 days. On this premise we signed a contract. On Friday, -, I wanted to look the loan. The lender again quoted several rates and - different PMI payments. When I asked to have in an email, not even a GFE, the lender then gave a different rate and points quote. After ~ 2 hours on the phone, the lender then said they could n't close in lees that 45 days. I made a purchase decision on the basis the lender would be able to close in 30 ... |
Capital One Mortgage application, originator, mortgage broker May 28, 2015 - The primary mortgage for my property, located at - - - -, -, -, NY - is currently held by Capital One ( Loan # - ) - however they are not the original mortgator. In the process of conducting a title search, it appears that the title was never updated when Capital One took over the mortgage. I am now attempting to obtain documentation to update this, and to refinance my HELOC ( with - ) and I am getting the runaround from Capital One. They have been unresponsive, unavailable to speak with and have told me it will take them 30 days to address. In the meantime, - has... |
Capital One Mortgage application, originator, mortgage broker May 26, 2015 - I called a bank to get information about rates and policies after an offer was accepted on a home that my wife and I were looking at. I liked the rates and costs that were presented to me by the loan officer, but however I was not ready to commit because my home inspection had not yet taken place. The loan officer then offered to get the loan process started and get my rate locked in with the condition that I would be able to cancel without charge if something turned up in the inspection. I agreed and got the process started. The condition that I would not be charged a fee if I canceled due to... |
Capital One Mortgage application, originator, mortgage broker April 24, 2015 - I declared Bankruptcy in - - and it was Discharged - -, -. I filed against - - on an equity loan held jointly with my wife. I sent payments until my check in - - was returned saying no loan could be found and they could not ask for any payments because of the Bankruptcy. In - of - my wife co-signed with my so to purchase a home and this loan showed on her credit report. When contacted both Capitol One and - - report they had no record of any loan we have asked for a release of lien - times and was promised a letter of release and never received anythin... |
Capital One Mortgage application, originator, mortgage broker April 16, 2015 - Capital One has - me once again. This would be the - time I have complained about their total lack of customer service and lack of communication, and more importantly erroneous information. I asked to see if I could do a rate renewal which was told to me by one customer service agent, then told that I could not by several others. After days/weeks on the phone trying to resolve the issue with Mortgage Escalation Dept, I was told that I would be getting the paperwork in the mail, yet did n't get it. I was never given what the rate would be and after the - phone call in the last two days... |
Capital One Mortgage application, originator, mortgage broker April 15, 2015 - ABOUT 10 TO 11 YEARS AGO I TOOK OUT A LOAN FOR - ACRES OF LAND THROUGH EITHER - - OR - BANK, THIS BANK WAS BOUGHT BY CAPITAL ONE BANK. THE BANK SOLD ME CREDIT LIFE/DISABILITY INSURANCE ON THIS LOAN. I HAVE BEEN PAYING THIS LOAN ON TIME EVERY MONTH, NEVER LATE, NEVER MISSED A PAYMENT. NOW ALL OF A SUDDEN ALL THESE YEARS LATER I GET A LETTER FROM CAPITAL ONE TELLING ME MY CREDIT LIFE/DISABILITY POLICY IS CANCELED. BASICALLY THEY RIPPED ME OFF FOR WHATEVER I PAID FOR THIS INSURANCE EVERY MONTH FOR THE LAST 10 TO 11 YEARS. ... |