Review and analysis of over 189 Conventional Adjustable Mortgage (Arm) complaints against Capital One
Capital One consumers have reported over 189 official complaints related to Conventional adjustable mortgage (ARM). Out of the 189 consumer complaints against Capital One, 25% 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. 7% of consumer complaints against Capital One resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 8% resulted in non-monetary compensation.
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Capital One Mortgage loan modification,collection,foreclosure April 16, 2016 - My significant other & I have been in a Loan Modification process for several weeks with Capital One after receiving a Notice of Foreclosure Sale. The last sale date had been set for - -, 2016, and because we had submitted paperwork, they moved the sale date out to - -. Last week, - -, we faxed them updated bank statements - the last documents they requested. This week Capital One said they had all the documents and that our file is now with the Loss Mitigation Underwriter. I have been checking the Trustee 's foreclosure sale website and it is still showing a sale date for ne... |
Capital One Mortgage loan servicing, payments, escrow account March 31, 2016 - - - - - - - - - - - - NJ - -/-/- - / - - : Loan # - Property address same as above To Whom It May Concern : This is regarding a bank load ( mortgage ) that when into foreclosure on our residence listed above. We were offered verbally ( and also by letter ) a chance to modify this loan under an agreement of a trial period of three months. I, -, verbally accepted this program immediately ( - -, - ). The three month trial period consisted of paying the amount requested by Capital Bank on time or before the - of the month beginnin... |
Capital One Mortgage loan modification,collection,foreclosure December 16, 2015 - To whom it may concern, I, - - applied for a modification to Capitol One through my bankruptcy Attorney ( - - ). I was then denied a modification. I was approved a payback plan of $27000.00 down and $6000.00 with in one year. I was not able to accomplish this. A Deed In Lo, Or a Short sale. Was then told from Capitol One there was nothing more that I could do to save our home. We then went to - a consumer advocacy group. There I applied again for a modification. Was again denied a modification. This time was only offered Deed in Lou, or Short sale. I have contacted Capitol ... |
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 settlement process and costs November 10, 2015 - I am attempting to close a refinancing on a property pursuant to a divorce buy-out. My ex-husband is still on title to the property, but will not be on the refinancing mortgage, this is not his primary dwelling ( not since 2005 ), and he will be removed from the deed when proceeds are received from the refinancing. Capital One is requiring closing disclosures to be sent to ex-husband under 12 CFR 1026.17 ( d ) on the belief that - - has a right to rescind under 12 CFR 1026.23. I feel this disclosure is my confidential information that should not be shared. Capital One is prepared to te... |
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 loan servicing, payments, escrow account October 20, 2015 - We sent the final principal payoff amount for our home mortgage to Capital One on -/-/2105. We contacted the company last week and they confirmed receipt of our check, but stated it would take 3 days more to credit the final payment. It has now been 7 days ( 5 business days ) since they said they would credit our final payment, and - calendar days since the payment was sent. We are concerned that they are dragging their feet, and we do not trust that they will fulfill their contractual responsibilities to close out our fully paid mortgage. ... |
Capital One Mortgage loan modification,collection,foreclosure October 15, 2015 - I have been trying to obtain a loan modification, the lender has just put me on Repayment plans that I can not afford. I have currently applied for a modification and until - day they are telling me that they got the documents. ... |
Capital One Mortgage loan servicing, payments, escrow account September 21, 2015 - CapitalOne Mortgage assumed our mortgage from -. I have automatic deductions of mortgage payment from checking account. - was sent back by CapitalOne and they do not give a reason but charged a late fee. On phone payment, the agent of CapitalOne gave a confirmation number of transaction yet never put it through. But, they charged another late fee. - late fees for their mistakes and no accountability. On complaint, I am transferred from one agent to another and finally they say a special agent will call back. No return call ever received. ... |
Capital One Mortgage loan servicing, payments, escrow account September 16, 2015 - My husband and I applied for a mortgage modification from our lender Capital One. We were approved and began making payments on time. We were told that if we made three consecutive payments we would be approved for the new modification mortgage. A few months later we were asked to sign and have a notary of our signature so we sent back and Capital one told us they did not receive. They later called back and said they found the signature. We continued paying the mortgage and a week later they needed another signature motorized. This was a concern because we had already been approved and now we ... |
Capital One Mortgage loan servicing, payments, escrow account July 10, 2015 - My escrow amount was amortized over 60 months. Suddenly, Capital One decided to shorten the amortized period to 48 months. This has caused extreme financial hardship for me. Today, after numerous attempts, I spoke with one of Capital One representatives, - ( ID number - ) who told me there is no supervisor or Customer Advocacy Team member to speak with me regarding my complaint that my escrow payment was increased. Furthermore, the correct escrow amount is $28000.00 NOT $33000.00. ... |
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 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. ... |
Capital One Mortgage loan servicing, payments, escrow account April 13, 2015 - Capital One 360 purchased ING Direct ( a year or so ago ), from whom I have a mortgage since - -. The mortgage has never had any escrow, and on - -, -, I received a notice that an escrow amount was to be added to my payment, in the amount of $150.00 to cover some projected shortage of $1800.00. There was no explanation of where this shortage '' came from, since I have kept insurance on the property and the taxes paid throughout the mortgage term. I faxed insurance coverage information on -/-/- and stated my concerns about the escrow addition, and I requested confir... |
Capital One Mortgage loan servicing, payments, escrow account April 2, 2015 - I applied for a mortgage modification with Capital One. The modification was granted. During the trial period I made all payments as agreed. The company reported me 30 days late for 3 months during the trial period '' even though none of my payments were late. I have gotten other modifications and no other bank reported me as 30 days late during the trial period. This is horribly unfair as obviously I have been having some financial difficulties. But I complied exactly to their requested payment. My credit score dropped - points and this effect will go on for years. Punishing me for the mo... |