Review and analysis of over 87 Home Equity Loan Or Line Of Credit complaints against Capital One
Capital One consumers have reported over 87 official complaints related to Home equity loan or line of credit. Out of the 87 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 100% were processed in a timely manner. 3% of consumer complaints against Capital One resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 14% resulted in non-monetary compensation.
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Capital One Mortgage loan servicing, payments, escrow account April 18, 2016 - I divorced in -. A home was settled in divorce through - - - as my ex-husbands. He did not pay the debt. - mortgage was -, - was Capital One. House was sold in Sheriff 's sale. In -, I received a call from - - to " settle '' the debt which was previously Capital One 's, the - mortgage. I " settled '' with - - for $28000.00 on -/-/-. Capital One has NEVER acknowledged that the debt was settled. It is my understanding based on my personal research, that it may have went to - from Capital One then - - bought it from - Capital One has c... |
Capital One Mortgage loan servicing, payments, escrow account April 7, 2016 - We had a Home Equity Loan with Capital One Bank in LA. It was setup that the payments were automatically taken out of our account each month. At end of loan the last payment was NOT withdrawn for balance owed as the amount was lower [ not same amount ] than all the other payments and they did/do not, unbeknownst to us, withdraw from our account. Within 1st wk after payment should have been withdrawn I began trying to contact bank, emails & phone, to find out how and who to contact to see what happened to payment. Took about 3 wks to find person that told me about not withdrawing last payment a... |
Capital One Mortgage loan servicing, payments, escrow account April 5, 2016 - Client filed bankruptcy in -. A Home Equity Line of Credit was sold from ING to Capital One 360 after the bankruptcy. Since that time, the borrowers reinstated the loan with MAP funds through the NYS AG 's office and -. It was confirmed via email on -/-/- via ( attached email ) with - - at the - that the payment after reinstatement would be $ -/per month. In a conversation on -/-/-, after reinstatement funds were sent to Capital One 360, it was confirmed that the loan was current, but the payment would be $160.00 each month, contrary to what we were told p... |
Capital One Mortgage loan modification,collection,foreclosure March 18, 2016 - I had a HELOC that matured and was unable to make the balloon Payment. I began working with the bank who approved me for a hardship. I was given terms of the new loan and accepted them. The same day I accosted the new terms the bank sent a letter stating they were also tracking my loan for foreclosure. The date of moving me into foreclosure will occur prior to the workout being complete. The bank states they will charge me legal fees and go forward with the foreclosure even though I completed my application and was approved for the new loan. I can not get there loan modification people to call... |
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 loan servicing, payments, escrow account December 8, 2015 - In an effort to rapidly repay the HELOC, I sent Capital One - several - dollars over and above the monthly interest payment. On - occasions in the last 12 months, Cap One applied the payment to " this '' month 's interest, and to " next '' month 's interest. In - cases, they mistakenly credited my account with a couple dollars less interest and applied the rest to principle, then filed a 30-day late payment notice with the credit bureaus. ... |
Capital One Mortgage loan servicing, payments, escrow account December 4, 2015 - I have a home equity line of credit with Capital One bank. The date the draw period ended was - - 2015. If I wanted to make any changes I had to do so before that date. I called on - -, requesting a fixed rate option. I was transferred to - different people, including refinancing. I did not want to refinance. I wanted a fixed rate option and was told I would be sent paperwork. Nothing came. I called again on - - requesting a fixed rate option. I was told a percentage rate could not be told to me over the phone and that a proposal would go out to me in the mail.I specifical... |
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 loan servicing, payments, escrow account July 4, 2015 - I submitted a complaint about CAPITOL ONE, regarding Home Equity Account # - on -/-/2015. This is an addendum to my previous complaint. Please see the letter attached, which I am sending to Capitol One today. It details the arbitrary changes they have made to my account since my conversations with them last week. ... |
Capital One Mortgage credit decision / underwriting June 29, 2015 - In - of - I applied for a $ - home equity loan with Capital One ( Capital '' ). The funds were to be used primarily for home renovation. I submitted all the required documents requested by Captial. I was informed, on -/-/-, by the rep., - -, handling my loan application that he needed a Release/Satisfaction of Mortgage from - -. I was surprised because - - ( original mortgage in -/-/- and refinanced with them in -/-/- ) sold my mortgage to - - - -, who merged then merged - - - - who then merged with - - -. On the same ... |
Capital One Mortgage loan servicing, payments, escrow account June 24, 2015 - My Home equity line of credit matured a little over 2 years ago. I have asked numerous times for the bank to term out the balance so i could pay them back over a period of time understanding that i would pay principal and interest. I continued to make payments for approximately 2 years. My payments are almost always on time or before the due date. About 3 months ago they started sending back my payments and sent me a letter saying my only option was to pay off the balance in full at this time. I asked for the balance and payoff and it seemed reasonable since i had continued to make payments in... |
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 loan servicing, payments, escrow account April 9, 2015 - In -, I was unaware that my line of credit matured and was cancelled. I was paperless in an -. They said they would extend it until we arrived home. - - at Capital One on -, LA talked to us when we returned. - took our reapplication to reopen the line since we had had this with your bank for 10 years and had been with capital One for 30 years at the -, LA branch. In that time frame, we spoke with the manager and explained. She called Capital Loan dept., spoke with another woman who said she 'd handle it that day, -/-/-. We have a fax confirmation from - - -, ... |