Capital One 360 - Mortgage Reviews

2.4 out of 5 stars
12 Reviews

From Borrowers in the last year

ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL

Application Process

2 out of 5 stars

Customer Service

2 out of 5 stars

2.5 5
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Most Helpful Positive Review

Nov 03, 2016
Credit Card
Daniegirl143 Borrower

I like this card i actually have 2 threw them and will be getting my car loan through them.

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Most Helpful Negative Review

Jun 15, 2017
Called about 100k bonus, Unprofessional.
dshawg77 Borrower

I called them for a quote because they offered 100k bonus points for Venture Card holders. I am a very low key guy...this guy berated me because I said I had reservations because I couldn't deal with a local branch. He made fun of me and asked if I had internet...or something to that effect. I explained real estate is local and that is important for me(i used to be a realtor). I have never experience such rudeness and unprofessionalism. No thanks.

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These reviews were written by current and former borrowers in the last year.

Aug 06, 2017
vintozver Borrower

Good offer and smooth preapproval. Application ok. Standard questions. Then, providing the documents. Binu and Jacob - a pair of clowns. They probably pretend or intentionally doing that. Calls never returned on time, questions never answered on time, asked for the same papers many times, stupid questions (with the answers which were already provided to them). Last minute requests ...
We closed behind the schedule, one day, just because I pushed very hard. I called every day, I complained, I yelled at the supervisor. I started doing that 2 weeks before closing when realized that the current pace won't help to close on time. I was right ...
Looks like there's a hidden criteria, and if you "qualify" - your loan will become a battle. A fight for your already made hard pull on your credit.
I have pretty good credit (748), low credit debt, paid off auto loan, but short history (came from another country). While credit rating is not a concern, neither income to debt ratio (good employer), short credit might be a concern, but I told them about that. They agreed to proceed ...
Anyway, these clowns ... "I submitted for the final reviews", "I don't know why loan hub doesn't work", I'm collecting papers only, it's another team to make a review and decision ... Why do we need the "loan sspecialists" and "loan officers"? To furnish the office? To add a proxy and increase the response time.

And even that, these "teams" messed closing ppwk, and we had to fix it with the agent and escrow. To keep the bank away of it... A mistake costed $200 to me...

So, if you want to apply - be ready to fight. Push hard. Insist. Spend time on sending everything over and over again. Don't give up, this wall can be broken.

Or find another lender. Your choice.

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Jun 15, 2017
Called about 100k bonus, Unprofessional.
dshawg77 Borrower

I called them for a quote because they offered 100k bonus points for Venture Card holders. I am a very low key guy...this guy berated me because I said I had reservations because I couldn't deal with a local branch. He made fun of me and asked if I had internet...or something to that effect. I explained real estate is local and that is important for me(i used to be a realtor). I have never experience such rudeness and unprofessionalism. No thanks.

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May 20, 2017
horrible

Got my home loan through capitalone. Paid off my balance quickly to get the PMI removed. I meet all the criteria to do so. Capitalone still won't remove the PMI even though they are in breach of contract. Very shady. Find a different bank. 

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Apr 10, 2017
Horrible customer service
Anonymous Borrower

The original refinance that was supposed to take 6 weeks took 4 months. I then wanted to file an assumption and the customer service rep knew less about the process then I did. Again, it took 5 months to process the assumption. Absolutely horrible.

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Nov 08, 2016
awesome
Anonymous Borrower

I HAVE HAD NO PROBLEMS WHATS SO EVER WITH THIS CARD 

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Nov 04, 2016
BAD
pops1158 Borrower

This company preys on people with poor credit.   The interest is extremely high.  

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Nov 03, 2016
Credit Card

I like this card i actually have 2 threw them and will be getting my car loan through them.

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1 Reply
Nov 11, 2016

@Daniegirl143 I also have 2 cards with Capital One. I applied for 1 card, was trying for a different second card but they sent me the same card with the same credit limit as the 1st card. I then got my auto loan through them. It was a breeze to go to the car dealership financial already approved. Good luck to you Cap One 360 is awesome.

 
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