Mortgage -- Applying for a mortgage or refinancing an existing mortgage -- Complaint #19002661
Complaint Overview
Complaint ID: 19002661
Company: Capital One Financial Corporation
Product: Mortgage
Sub-Product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-Issue: Application denials
State: New Jersey
ZIP Code: 07751
Date Received: 2025-10-12T12:00:00-05:00
Date Sent to Company: 2026-01-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX IA XXXX PHONE : XXXX FAX : XXXX Order No : XXXX Date : XX/XX/year> To XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Identity Theft and Credit Report Dispute Request for Investigation and Removal of Inaccurate Accounts Attention XXXX Dispute Department XXXX XXXX am writing to formally notify you of potential identity theft and inaccurate reporting on my XXXX credit file. During a recent mortgage application, I was alerted to a discrepancy between the XXXX score reported to my lender and the score displayed on the XXXX website. Upon contacting XXXX on XX/XX/year> ; I was informed that I may have been a victim of fraudulent activity or identity theft, and that my personal information may have been compromised. I was instructed to provide supporting identification documents to verify my identity. The inaccurate reporting has negatively impacted my mortgage application [ Account # : XXXX XXXX : XXXX ]. Enclosed are copies of the requested identification documents ( drivers license, Social Security card, and proof of address ). Please use these materials to verify my identity and conduct a comprehensive investigation of the disputed items referenced in the attached letter. This dispute is being filed under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) : Requiring consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of information. 15 U.S.C. 1681a : Defining consumer report and the standards for data accuracy and proper association with the correct consumer. Please confirm receipt of this letter and provide written notice of the results of your investigation, along with an updated copy of my corrected credit report. Thank you for your prompt attention and cooperation. Enclosures : 1. Copy of drivers license 2. Copy of Social Security card 3. Proof of address ( utility bill or bank statement ) 4. Formal dispute letter listing inaccurate/fraudulent accounts
Frequently Asked Questions
What is Complaint #19002661 about?
Complaint #19002661 was filed against Capital One Financial Corporation regarding Mortgage specifically about Applying for a mortgage or refinancing an existing mortgage. It was received by the CFPB on 2025-10-12T12:00:00-05:00.
How did Capital One Financial Corporation respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Mortgage) and describe your issue in detail.
Can I see other complaints against Capital One Financial Corporation?
Yes, visit the Capital One Financial Corporation company profile at readthecomplaint.com/company/capital-one-financial-corporation to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.