Consumer complaint received 2017-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I took a traditional fixed morgage with Capital one in about XXXX of XXXX when my income was about XXXX to XXXX a year.The same year I lost my job. I liquidated my retire plan to catch up on mortgage and other expenses. I eventually found a job with The state of Florida where I make only about XXXX a year. As a result of a drastic change in income I fell behind my mortgage for about 2 months. I have been making at least one full payment each month since I fell behind. I started a loan modification process about XXXX to 4 months a go in XXXX or XXXX XXXX. I submitted initial documents requested. I was asked to submit additional documents which I did. The main issue is, capital one is intentionally delaying the process to force me into foreclosure because I strongly believe the company is in to make gains and not care about my plight at all. The ask for my monthly pay stub, I send it, they sit on the document, until a new pay period then they send a nasty letter that if I do not send a new paystub my case will be closed. I did that about 3 times. The other part is, they requested my insurance declaration page, which I sent, it was confirmed they have it, now they are asking for the same document-I thought my information or documents were to be kept securely. I requested so many times for the case worker to call me back but she would not. When I asked for corporate number there is none. 
To add salts to injury, Capital one sat on my application for about three months when I was told underwriter reviewed my application and I needed this document and that document only to submit all required documents and then being told a box on my application was not checked. My question is if a box was not checked, why did they not send me back the document for me to check what is needed but rather waited until I submitted all required documents to send me a letter I received on XXXX/XXXX/XXXX asking me to check a box on a page but they did not bother to include the document I needed to check of. To prove how eager ( it seems someone makes personal gains when a XXXX is pushed through foreclosure especially if the how value has almost doubled like mine ) capital one 360 home loan is to foreclose my house, I was given 4 days from the time I receive the letter to check off a box on a form that was not included in the envelope and return or else I will not be able to stop foreclosure once a foreclosure sale date is set. 
Why should capital one 360 keep asking for the same documents I sent, some I sent so many times then threaten foreclosure due to their in ability to send me a form they sat on with their underwriters for about three months, then sending threatening foreclosure letter asking me to check a box on a ducument they did not include in the envelope. Could Capital One 360 Home loans not have sent this document along with all the several request they made on my pay stubs for me to complete right from the onset? This is a deliberate attempt. I read so many comments online about frustration borrowers go through with Capital one 360 home loans and I am a living witness.

Company response to consumer: Closed with explanation