Review and analysis of over 166 Conventional Fixed Mortgage complaints against Capital One
Capital One consumers have reported over 166 official complaints related to Conventional fixed mortgage. Out of the 166 consumer complaints against Capital One, 27% were disputed by the consumer (i.e. the consumer was not happy with how Capital One responded to their complaint) and 100% were processed in a timely manner. 5% of consumer complaints against Capital One resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 13% resulted in non-monetary compensation.
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Capital One Mortgage settlement process and costs May 24, 2016 - I started a loan application with Capital One on -16. Turned in all required and requested paperwork within the first 5 days. Capital One has assigned me a closing date of -16, then canceled with no prior notice to all/any party involved. Capital One assigned another closing date for -16, then canceled with no prior notice to all/any party involved. I 'm going to lose this opportunity to purchase this property due to Capital One neglect. The seller has been very patient, now I 'm out of time to try and seek a mortgage from another source. I have paid monies to Capital One. I need... |
Capital One Mortgage loan modification,collection,foreclosure May 17, 2016 - In - 2014 we missed one mortgage payment. Since that time, almost 2 years now we have been trying to complete a loan modification with Capital One. They continue to state that we are missing documentation, they ca n't read a date or signature on forms, etc. I have most of the documentation from them especially the one where they stated they ca n't read the date or the signature. The point is that they are stalling and stacking up fees and destroying our credit. There are many examples of this on the internet so I know that we are not the only ones dealing with this issue. We have not missed... |
Capital One Mortgage loan servicing, payments, escrow account May 13, 2016 - Capital One Bank, Loan opened -/-/2008 - mtg. Shortly after the loan was opened the financial crisis hit. I went past due almost right away and was charged off. I continued to work with the bank catching up on payments to avoid fcl. After catching up I asked the CSR why it still showed a charge off on my report. She told me they had a policy that I had to stay current for one year and until then it would show charge off. I argued that I could not refinance the house at a lesser rate and pay them off because of the charge off on my report. I was current buy they refused to change the ratin... |
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 loan servicing, payments, escrow account March 11, 2016 - I have submitted a complaint before against Capitol One Home mortgage because I was n't receiving my statements for my loan. They did respond back and " magically '' fixed the glitch in there system, that they never could explain why it happened. Since I have had such a horrible time with capitol one I paid my home loan off on - 2016. I had to make several calls to even get a letter confirming the pay off. It is now - - 2016 and they still have not sent the paperwork to the courthouse in - - arkansas so the deed/lien can be released. When I try to call and find out why it is tak... |
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 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 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 loan servicing, payments, escrow account November 3, 2015 - I bought my house -/-/15. I had escrow held by CapitalOne to cover my taxes of $3200.00 -/-/-. I just received a letter from my mortgage company saying starting -/-/- they want to increase my escrow to cover my -/-/- taxes which they project to be $4800.00. There is no reason to believe my taxes will go up that much. I spoke to - - and they said I have been approved for homestead credit which means my taxes should not go up by more than 4 % per year. CapitalOne told me they will adjust once I can prove my taxes do not go up. I will not be able to prove that until... |
Capital One Mortgage credit decision / underwriting October 20, 2015 - Loan originator gave contradictory information, which in effect caused the loan to be denied. I am in the process of buying a house in a different city. I was told that having a job in my current city would not suffice, and that I would need to be employed where the home was located. I was told that documentation showing a transfer with my current job, or an offer letter from a new job in the city where the house was located would be acceptable. I received an offer of employment in the new city and provided the documentation showing my start date ( 3 days after the date of closing ), and my ex... |
Capital One Mortgage loan servicing, payments, escrow account September 8, 2015 - In response to filing a complaint with the CFPB, capital one has responded by no longer sending monthly statements. The last statement I received was - 2015. I also have been blocked from accessing my account online. The Honorable - - will undoubtedly begin his response discussing my bankruptcy. However the case has been closed for a year I 'd like to have statements and online access. I have asked and been told by - - to call someone else at Capital One. His response unhelpful and unprofessional. Capital One has determined that they will not respond to my calls. See email attac... |
Capital One Mortgage credit decision / underwriting June 16, 2015 - My Wife and I live in a small rural community in GA. We applied for a 30 year fixed rate mortgage on -. We received confirmation that our request had been approved and the current interest rate locked in - subject to further processing, verifications, an accurate and adequately supported opinion of the market value of our property, etc. My Wife and I met with the Lender 's approved appraiser and she performed an in-depth inspection - all the time complimenting the various upgrades and design additions we had made - all, in accordance with current code requirements. We eventually received a ... |
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 loan servicing, payments, escrow account May 12, 2015 - The escrow on my mortgage increased by $580.00 ( approx ) a month and I was not notified. Additional $580.00 was paid on -/-/- -/-/- without notification or consent. This is a reoccuring monthly payment and would have been deducted monthly without my inquiry. The failure to to notify was acknowledged by an employee at Capital One bank on - -, - after - calls ( - - and - - ) and a failed attempt to have an analysis conducted by the Capital One Escrow Dept. ... |
Capital One Mortgage loan servicing, payments, escrow account May 6, 2015 - I have contacted multiple financial institutions and most of the time I am told that principle payments do not reduce interest charges in the following month. I am told not to pay on principle since doing so will only shorten the loan duration but not the interest charges in the following month. This complaint is specific to Capital One. I was told by multiple licensed employees that principle payments do not reduce scheduled interest charges in the following month and discouraged extra payments. I eventual pushed the issue to the fourth level of management who stated correctly that principle ... |
Capital One Mortgage settlement process and costs March 30, 2015 - In - I refinanced my - Mortgage Loan that originated in -. I paid - all required fees to complete this process correctly. Today I am selling my house and will lose this sale because - failed to close the - Loan once it was refinanced. The Closing Lawyer and myself have submitted the Lien Release request via email as instructed on this - loan now in -! Capital One took over -. I went in person to Capital One. The only way to submit this request per Capital One is via email. I am not allowed to talk to a person! We will lose this sale which is suppose to close on -/... |
Capital One Mortgage loan servicing, payments, escrow account March 25, 2015 - I obtained a payoff amount by phone on -/-/- @ - which was higher than the payoff amount that was calculated. They could not explain the difference. Coincidently the difference is the same amount that I had disputed earlier and had been resolved in my favor. I paid off the amount due as stated on the loan statement and disputed the difference. They have continued to add interest and late payment charges on this disputed amount and after numerous letters and forwarding them all of my cancelled checks for -, - and - and including a spread sheet that shows the balance going d... |