| 06/05/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Please find my Amended Complaint against Caliber Home Loan , Inc. for their relentless fraud, theft, including theft of funds and identity theft ; and other misconduct ; amended Qulified Written Request. Loan No. XXXX, address XXXX XXXX XXXX, XXXX, MI XXXX Also, please find my Copyright Notice and demand to Cease and Desist unauthorized distribution and sales of my copyrighted/trademarked materials such as mortgage loan XX/XX/XXXXXXXX XXXX, based on my name, reputation, credit score, credit history, banks statement and other unique information ; and the Note which both are signed by my unique trademarked signature. Under common law I do not have to register it but will consider registration if Caliber and XXXX will continue its criminal activities. Please be advised that any further distribution and sales of my Note and mortgage loan ( if legit ) require a written permission from me and royalties from sales, no less than 15 %.
I further demand to stop Caliber and XXXX distribution and sales of my personal information to predatory lenders ; and use it as a guarantee for their securities based on Servicing Rights and private IPOs. Based on my estimate, my debt {$130000.00} plus interest ( total $ XXXX ) was not only paid in full due to myriads of sales, but generated a substantial income in the amount about 20 times or more than the value of the Note. I demand to disclose me all profits ; and compensate me a fair share from these trades, which under 15 % should be no less than {$400000.00} just from MBS trades. This is not included profits from resales of my private information to predatory lenders, sales of private IPOs and servicing rights since none of them are a part of my Note or my contract.
I also demand Caliber to verify following information. On XX/XX/XXXX Caliber sent me a respond to my first QWR, where Caliber solely concentrated on escrow charges and ignored all other questions, including how my Flood Zone was determined if my property is not even on FEMAs map ; and why I had escrow account with Caliber if it is not required by VA. Calibers replies came from XXXX XXXX , who between XX/XX/XXXX-XX/XX/XXXX was VP of Default Management at Caliber Home Loans, and XXXX XXXX and were full of lies, thus need further validation.
Caliber employee XXXX said that my escrow had a surplus of {$1000.00} which was purportedly refunded to me on XX/XX/XXXX. In support she sent me a check which had no check number, no routing number, no account number, no authorized signature and no proof of deposit. I do not recall if I ever received this check, and my banks accountant confirmed that it was never deposited by me. Please provide me a copy of deposited by me surplus check in the amount of {$1000.00}.
XXXX and XXXX further stated that my recent deficiency was ( - ) {$470.00}, divided by 12 months ; and this is why my payment was reduced by {$95.00}. I suggest Caliber to hire employees with at least elementary school degree in math ; or teach them how to use calculators ; and provide me explanation how my deficiency was determined if I had NO taxes in XXXX. It was waived for me by the Assessor as a veteran ( who also mailed this information to Caliber ).
Caliber refused to provide me a copy of my Note with the full chain of Assignment endorsed by the originator and all the intermediary parties specified in the contract governing the deal, who must be disclosed at the time of origination ; the pooling and servicing agreement, and finally over to the trust and all other parties ; name of the XXXX Trust where my loan is held as a security ; names of the Sponsor and Trustee ; the name of XXXX Custodian. Caliber falsely claimed that this is proprietary information. This is absurd and a blatant lie. This information is publically available according to SEC Act and IRS Pub. 938 who require banks to publish it on the monthly/quarterly/ annual basis. Yet, Caliber refused to provide it to me even though I have all rights to receive it since it belongs to me as well.
This mortgage loan was created by using my private information and based on my personal credentials, like my credit score, credit history, bank statements, ect. Thus, its a copyrighted material. I hired XXXX XXXX, XXXX., ( XXXX ) to originate this loan and paid them {$990.00}, which is work made-for-hire, a category of copyrighted works in which the person paying for the work obtains all rights under the copyright. This mortgage and note are signed by me, thus, my unique signature is a trademark under common law in logo category.
I am not only entitled to have full disclosures ; but I also have rights to prohibit any unauthorized use of my copyrighted/trademarked materials, and collect royalties in exchange for a license to use my information to create securities, similar to oil and gas royalties. The only difference is that investment banks make much more money by selling my private information without any risks, disclosures, consents or shares of profits, which is utterly wrong.
According to Caliber, the loan was contractually due for monthly installment, thus Caliber confirmed that it is a contract to purchase a mortgage loan ; and expects me to perform while Caliber has no intention to adhere to the terms of this contract from the beginning and continue to breach it as of today.
This contract was originally based on misrepresentation and deceit ; violated numerous Federal and State laws ; used for purposes other than intended and described. While I agreed to repay the debt ( and still agree if this debt exists ), I did not give my consent to create a windfall for XXXX XXXX who steal my money and identity in astronomic proportions and collect a debt which does not exist while making multi-million profits. Caliber and their co-conspirators like XXXX sold my private information to predatory lenders ; used my name and signature to guarantee private IPOs ; sell their servicing rights through shady DE Statutory Trusts ; very likely fraudulently removed from XXXX pool and resold as default bonds, which XXXX later sold as their private shares and so on.
The legal elements of a contract include mutuality of obligation, which is comprised of offer and acceptance, definite terms, and consideration. These elements must all be present in order for a contract to be enforceable. Under my Contract, The Note or a partial interest in the Note [. ] can be sold one or more times [. ] is not a definite term. My duty under the contract with XXXX was to repay a debt in the amount of {$130000.00} plus interest, total {$220000.00} over 30 years. Creditors are interested to receive their money sooner ; and this is the reason why my Note or partial interest in the Note can be resold to legit successor/creditors. As soon as these creditors receive {$220000.00} as agreed, my obligation under this contract is over. I am entitled to know how many times my Note and partial interest in my Note were sold ; for how much it was sold ; who are current holders/creditors ; and if sales produced profits on top of my obligation, it must be deducted from my debt along with information how much money I still owe.
None of it was done. Moreover, millions of copies of my Note sold as securities/bonds created by my signature are not the Note or even a partial interest in my Note, but rather forgery ; Ponzi scam and identity theft for unjust enrichment. Especially securities backed by Calibers Servicing Rights and private IPOs ( Caliber and XXXX are agents for an investment bank and they never put any single cent into my loan while unjustly enriched themselves, specially Caliber who stole thousands $ $ $ from me while resold my information many times for unjust profits ).
Caliber said that my loan is in a pooled security, REMIC Trust which must have Sponsor, Issuer, Trustee, Servicer, Investors none of whom are legal title Holders, pursuant to TILA Sec. 131 ( f ) ( 2 ) and 1026.39. When investors, who are not creditors, purchased myriads of securities created by my copyrighted/trademarked data my part of the contract was fulfilled since my debt was repaid as agreed and eliminated ; plus instantly created profits about 20 times more than amount funded. I am definitely entitled to a fair share, no less than 15 %, which I demand Caliber and their co-conspirators to pay me as a royalty for using my name, signature, home and reputation. Based on amount financed- {$130000.00} - the average trade profits are about {>= $1,000,000} or more. A very modest royalty rate is 15 % ( in oil/gas its 18-25 % [ 2 ] ) thus Caliber, XXXX and their secretive partners owe me at least {$400000.00} just from their MBS trades. This is not included profits from resales of my private information to predatory lenders, sales of private IPOs and servicing rights since none of them are a part of my Note or my contract.
Statement of Facts. On XX/XX/XXXX I signed a document which appeared to be a Contract governed by UCC to purchase a negotiable secured instrument commonly known as a mortgage loan from XXXX XXXX , XXXX. ( XXXX ). It was guaranteed by VA. According to the Closing Disclosure, XXXX was a LENDER in this transaction, who purportedly lent me {$130000.00}, with {$5100.00} closing costs. The total price I expected to pay for this loan was {$84000.00}. The origination fee was {$990.00}. The only other party listed in this Disclosure was XXXX XXXX as a Settlement Agent. As an average customer who paid a significant amount for financial services, I relied on XXXX promises and didnt conduct additional research or recalculation of charges.
XXXX underwriter XXXX advised that I must maintain escrow account per VA guidelines ; and obtain FEMA flood insurance because my property was purportedly located in the Flood zone. FEMA flood insurance was originally calculated at {$100.00} p/m, and later changed to {$1100.00} p/y ( recently {$1100.00} Both statements were false and misleading. According to VA Pamphlet, 26-7, part 11a, VA does not require the lender to establish escrow accounts for the collection and payment of property taxes, hazard insurance premiums, and similar items [ 3 ]. According to two ( 2 ) local survey companies and comments from my neighbors, one of whom is a mortgage broker, my property was never located in FEMA flood zone ; and FEMA does not even have records for it. Thus, FEMAs flood insurance and escrow account were force-placed solely for the benefit of Caliber who receives more fees for their servicing on a bigger mortgage pool ; plus has a great opportunity to steal money from borrowers, which Caliber does on regular basis, in breathtaking amounts.
The initial escrow calculated by XXXX was {$260.00} and consisted of ( 1 ) property taxes based on XXXX assessments of {$360.00} ( summer ) and {$980.00} ( winter ), total {$1300.00} or {$110.00} p/m ; {$590.00} property insurance or {$50.00} p/m ; and {$1100.00} FEMA Flood Insurance, or {$93.00} p/m. Taxes for XXXX summer ( {$370.00} ) were paid by the Seller. Based on a simple math, my escrow should be {$250.00}. However, based on Calibers respond of XX/XX/XXXX, my escrow was calculated at {$290.00} which resulted in overpayment of at least {$34.00} per month, or {$410.00} per year, a significant amount of unlawful debt. Bear to repeat, as an average customer I relied on expressed promises of my contract and reasonably expected honest services from my fiduciaries, so I did not conduct additional research.
But Calibers fraud and criminal activities did not stop there. In XX/XX/XXXX letter Caliber stated that my escrow account had a surplus of {$1000.00} which they purportedly refunded to me on XX/XX/XXXX ; and this is why my escrow account was reduced to {$790.00} effective XX/XX/XXXX. Caliber even attached a copy of the purported check which had no number, no authorizing signature, no routing number ; no bank account from which this check was issued ; nor any proof that this check was actually delivered and deposited by me.
It was a nice surprise since I do not recall if I received ANY Notices or surplus money from XXXX. I went to my bank to confirm if I deposited this check but forgot about it. My banks accountant researched all deposits, particularly from XX/XX/XXXX and advised that here were no deposits of Calibers {$1.00}, XXXX check, which bear to repeat I never received. I have a copy of my banks print-out. Thus, Caliber lied that they refunded me surplus money.
Furthermore, on XX/XX/XXXX I received an Official Map Amendment letter from FEMA proving that my property is not in the flood zone ; and a Notice from XXXX County XXXX Township Assessor that they waived my property taxes as a veteran. The letter from Assessor was sent to Caliber as well, since they always notify the Servicer.
I immediately sent both documents to Caliber and asked to recalculate my escrow. Caliber failed to respond, even though the documents were sent three ( 3 ) times ; plus it was mailed by XXXX Township Assessor ; and later lied that Caliber did not received this communication which was sent with my payment checks deposited by Caliber.
While Caliber refused to acknowledge receipt of these documents, they reduced my monthly payments from {$950.00} ( originally {$1000.00} due to XX/XX/XXXX shortage ) to {$850.00}, or by {$95.00} p/m, effective XX/XX/XXXX. According to Caliber, this reduction resulted from their annual review of my escrow on XX/XX/XXXX and determined shortage of ( - ) {$470.00} ( divided by 12 months would be {$39.00} p/m, not {$95.00} ).
When I went to XXXX Township Assessors website to determine the status of my taxes, I learned that Calibers statements about shortages are also a blatant lie. According Assessors records, they did not charge me ANY taxes for Winter/Summer XXXX - at all. See attached document. Caliber most likely fabricated a review and a surplus check after they received my Complaint to CFPB, trying to defraud me ; CFPB, Michigan Attorney Generals office.
Furthermore, when I asked Caliber to validate their right to collect from me and their relationship to my loan, I received four ( 4 ) conflicting and misleading statements from Caliber and their co-conspirators XXXX whom Caliber sold or otherwise transferred my loan on XX/XX/XXXX, effective XX/XX/XXXX, without disclosing Affiliated Businesses such as Custodians ; Trusts ; Trustees and an Investment Bank who is the main party hiding behind this fraudulent transaction. RESPA 12 CFR 1024.15 requires disclosures of all Affiliated Business Arrangements and Mortgage Servicing Disclosure Statement, to inform the borrower whether or not the lender intends to service the account or pass it on to another servicing company. Moreover, RESPA and TILA both require disclosures about total compensation received by the lender. None of it was done.
On XX/XX/XXXX, Caliber claimed to be a current note holder. On XX/XX/XXXX XXXX informed me that the owner/investor is XXXX XXXX XXXX, XXXX, a part of XXXX XXXX et.al ( which was also not disclosed ). On XX/XX/XXXX Caliber said that owner/investor is XXXX XXXX. According to XXXX letter of XX/XX/XXXX they confirmed that the owner/investor is XXXX. See letters enclosed. I suspect that my loan was either never transferred to XXXX or was fraudulently repurchased under glimpse of delinquency. This scam is widely used by certain agents for Investment banks. For example from XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX and the six senior executives pulled current, performing loans out of XXXX XXXX RMBS by falsely claiming they were delinquent in order to sell them at a profit into newly-issued RMBS, the SEC alleges. In addition, XXXX XXXX caused its XXXX XXXX RMBS prospectuses to be " false and misleading '' by improperly and deceptively using a XXXX XXXX rule that gave issuers the option to repurchase loans that were delinquent by three or more months. Worth to mention, on XX/XX/XXXX Caliber transferred my loan to XXXX XXXX ( another branch of XXXX ) who sold 8 million shares on XX/XX/XXXX using my loan as a collateral for their Company Initial Private Offering for about $ 170- {$190.00} million. Nobody informed me that I was used as a Guarator for XXXX IPO to create millions profits.
Furthermore, I learned that XXXX was not a Lender but a correspondence unit for Caliber who work for an investment bank, likely XXXX XXXX, XXXX XXXX or XXXX XXXX XXXX ( common Sponsors for XXXX XXXX MBS Trusts [ 4 ] ) who provided a line of credit to XXXX via Caliber to issue me a loan using sham conduits XXXX and Caliber, whom XXXX immediately transferred servicing rights on XX/XX/XXXX, or less than 30 days. Thus, it was fraud and a breach of contract from the beginning since XXXX was not a lender but an agent for an investment Bank ; and here were no money involved in this transaction neither from XXXX ( who works for a fee ), or Caliber who funded this loan with other people money ; or the investment bank whose line of credit to Caliber was based either on ( 1 ) my {$31.00} XXXX bailout ; or ( 2 ) loan from Federal Reserve which in XXXX was between 0.50 % and 0.75 % interest rate and lent to me under 3.5 % ; or ( 3 ) money collected in advance from investors whom this investment bank sold my signature, name and reputation myriad of times, without my knowledge or consent, which created a windfall of profits. Plus they get {$380.00} each month my interest payment. TILA requires disclosure of all compensation arising out of the origination of the loan. And compensation is very broadly defined. None of it was disclosed to me neither at the time of origination, not later, even though I specifically requested.
I was never informed that my loan was actually not a loan but an Initial Intent to Issue Mortgage Backed Securities which is governed by Securities Exchange Act of 1933, 34 ; and other securities laws pertained to unsecured instruments aka stocks and bonds. As an individual, I have no rights to issue securities using my name, signature and reputation, so I was misled about my real role in this transaction as an issuer and guarantor for securities to profit investment bank who use my name, my signature and my reputation to be sold on the open market several times a day.
Which gives rise to an implied contract in where I was essentially entitled to compensation or royalties arising from the transaction taken as a whole, includes all of the moving parts upon which the investment bank was relying. In both, the single transaction and step transaction doctrines, the essential issue is who are the real parties in interest, the investment bank and the borrower ( me ). Everything in between represents part of the transaction even if it was not disclosed. Both parties are entitled to the benefit of the bargain for the express written contract ( loan ) and the implied unwritten contract ( intent to issue securities and trade my name, signature and reputation ).
Thus, at least 15 % of these profits are a reasonable and fair compensation to me for profits received by the investment bank who actually lent me MY money in a form of their line of credit via sham conduits like XXXX and Caliber - all of whom received substantial unjust enrichment just by involvement in this transaction, without investing a single XXXX. No need to mention, by stealing from me thousands of dollars by Caliber via escrow account.
All stated above information and Calibers fraudulent manipulations with my escrow, created a reasonable concern that I am a victim of a massive fraud ; unlawful collection and other racketeering activities, including securities fraud. I demand Caliber and XXXX to cease and desist unauthorized use of my data ; and provide me verification and documents as stated above, along with disclosure of all profits received and 15 % royalties from sales.
Regards.
XXXX XXXX [ 1 ] Section 9-109 of the UCC states that it generally applies to any transaction, regardless of its form, that creates a security interest in personal property or fixtures by contract. This includes agricultural liens, sales of accounts, [. ], promissory notes.
[ 2 ] XXXX XXXX XXXX [ 3 ] XXXX XXXX XXXX [ 4 ] XXXX XXXX XXXX
|
| 08/27/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Complaint against Caliber Home Loans, Inc ( Caliber ) re : fraud with XXXX XXXX XXXX ; mail fraud ; wire fraud ; impersonation, identity theft ; wrongful collection and other misconduct.
Dear CFPB, On XX/XX/XXXX Calibers employee XXXX XXXX sent me a letter advising that Caliber cashes payments received from customers though a banking institution, and XXXX is Calibers banking institution. XXXX is unaffiliated with the subject loan other than as Calibers banking institution. Which appears to be another lie by trained to deceive customers Calibers employee, as usual.
If Caliber received my payments ( which should go to XXXX XXXX XXXX for benefit of investors, not Caliber ) when why Caliber is never mentioned as a final Payee in any of my transactions? Why XXXX concealed identity of the Payee within account who is obviously not Caliber? Caliber mailed me a check from their XXXX banking institution located in XXXX GA whose routing number is XXXX while my mortgage payment checks are cashed by XXXX located in XXXX TX whose routing number is XXXX. All of it is inconsistent with Calibers statements.
Since ALL responses from Calibers employees XXXX, XXXX and XXXX are blatant lies, I respectfully demand Caliber to validate the ENTIRE transaction as required by RESPA ; validate my debt collected by Caliber since XX/XX/XXXX to present time under FDCPA ; and provide me Adequate Assurance that Caliber LAWFULLY obtained rights to collect ; and that my loan was placed into XXXX XXXX XXXX XXXX XXXX held by a Trust where XXXX XXXX XXXX XXXX ( XXXX ) is a Trustee.
I request Caliber to provide me the following information : 1. Who was the actual lender for my loan - XXXX , Caliber or someone else ( XXXX XXXX XXXX for example ) 2. Where Collateral Shipper XXXX XXXX worked? XXXX, Caliber or somewhere else? Please provide me Mr. XXXX XXXX contact information and the name of his supervisor.
3. Did XXXX or Caliber assigned my loan to any XXXX XXXX XXXX or Custodian? Please state names of ALL parties involved in this transaction : Issuer, Custodian, name of the Trust, ect 4. If XXXX and/or Caliber did not assigned my loan to any Trust within 30 days as required by IRS Code 26-860G, please state why XXXXCaliber did not do it.
5. Please confirm when exactly XXXX transferred my loan to Caliber ; and provide me a proof of transfer of the debt along with the proof of payment made by Caliber and the value received by XXXX as required by UCC Art 9 ( aka RECEIPT ) which can show that Payor ( Caliber ) is the new owner of the debt and Payee ( XXXX ) was the prior owner.
Transfer of debt is by payment for the debt. Payment means you have a legal and equitable right to claim the debt as your own. Payor is the new owner of the debt and the Payee is the prior owner of the debt. There are no exceptions.
I have very serious concerns regarding my mortgage, validity of my debt and clarity of my Title.
Please identify the name of the Trust ; and provide all documents proving that my VA Loan with XXXX XXXX , XXXX signed on XX/XX/XXXX was transferred to the Trust within 30 days from the Closing Day, per IRS Rule 26-860G and is currently in Good Standing with XXXX XXXX, including a full chain of assignments ; copies of Master Custodial Agreement between XXXX ( aka XXXX ), XXXX and Custodian ; copies of Pooling and Servicing Agreement between XXXX XXXX and XXXX or other Company ; names and contact information of Trust and/or Documents Custodian ; name of the current Trustee for the Trust ; proof that my loan is in good standing with XXXX and was not removed from its Custody ; proof of my payments distribution to XXXX investors.
Property Address : XXXX XXXX XXXX, XXXX MI XXXX. XXXX XXXX # XXXX /Caliber Home Loans, XXXX ( Caliber ) XXXX XXXX XXXX XXXX ( XXXXl ) Loan # XXXXPlease expedite your response since XXXX, who claims to be owner/investor threatens me with foreclosure during Debt Validation ; without providing me ANY documents in support of its ownership except a poorly forged Allonge to my Note ( which lacks any assignments ) which were emailed by someone to XXXX on XX/XX/XXXX.
Statement of facts : In XX/XX/XXXX I submitted a Loan Application to Mr. XXXX XXXX for VA loan with XXXX XXXX. My application was approved.
On XX/XX/XXXX Mr. XXXX sent me a Commitment Letter informing that I will be purchasing Caliber Home Loans, Inc. product called " OB CHECK VA 30 yr Fixed '' On XX/XX/XXXX we had a Closing with XXXX at XXXX XXXX in XXXX MI. RESPA Disclosure statement only mentioned XXXX as a Lender ; and XXXX XXXX as an Agent. No other affiliates.
My loan was assigned 3 different numbers right away. XXXX Loan # XXXX, XXXX Servicing Number XXXX ; and VA loan # XXXX.
On XX/XX/XXXX I received a Notice of Transfer from Caliber who informed that they begin servicing my loan from XX/XX/XXXX and I shall send my payments to their XXXX XXXX XXXX in XXXX TX XXXX and assigned the fourth number for my loan - # XXXX as Caliber 's servicing number.
On XX/XX/XXXX Caliber sent me a letter confirming that XXXX was a Lender and a prior Servicer ; and Caliber assumed servicing on XX/XX/XXXX On XX/XX/XXXX I received a Map Amendment letter from FEMA which allowed me to remove unnecessary Flood Insurance placed by XXXX. I immediately sent this letter three ( 3 ) times to Caliber 's address XXXX XXXX XXXX in XXXX TX XXXX. Caliber never responded to my request to adjust my escrow.
On XX/XX/XXXX Caliber transferred my loan to XXXX XXXX XXXX XXXX who assigned my loan a fifth number XXXX. So, total five different loans resulted from one transaction.
XXXX claimed to be " owner/investor '' and started to mail me billing statements from XXXX. XXXX XXXX, XXXX TX XXXX, which is located in the same Post Office as Caliber 's XXXX XXXX XXXX, at XXXX XXXX XXXX XXXX, TX. But according to MERS website, my owner/investor in XXXX XXXX.
I found it suspicious that XXXX " owns '' my performing VA loan which should to be assigned to XXXX XXXX XXXX Trust. It is well-known that XXXX XXXX does not sell performing loans and they stay in XXXX XXXX XXXX Custody for the life of the loan until full repayment or refinancing. I was never late on my payments and here was no reason for Ginnie Mae to SELL it to XXXX or Caliber.
I also discovered that Caliber and XXXX are actually the same company - XXXX XXXX ( XXXX ) - just renamed. Their executives have over 250 years of combined experience defrauding borrowers and investors. So, full disclosures were warranted.
I requested explanations from Caliber how XXXX became the " owner/investors " of my debt with XXXX.
On XX/XX/XXXX Caliber 's VP XXXX XXXX sent me a letter where she confirmed that Caliber assumed my loan on XX/XX/XXXX ; and informed that " Caliber HAS NOT received any documentation indicating the property is no longer in a designated flood hazard area '' ( bear to repeat, I mailed three letters ). But my checks sent at the same time were received and deposited.
It created a reasonable conclusion that the Company who sent me billing statements and collected my payments is NOT Caliber but someone else.
When I asked Caliber about XXXX XXXX XXXX Trust and the name of Trustee, Caliber refused to respond and claimed it " Proprietory information ''.
On XX/XX/XXXX I sent my Notice for Validation of Debt to XXXX who repeatedly claimed to be " owner/investor ''. Under UCC 2-406 I have rights for Adequate Assurance that my performing loan is with XXXX XXXX XXXX Trust and in good standing.
Following the request, my loan descended into chaos. The letter chain is as follows : XX/XX/XXXX : Caliber negates receiving updated info about my homes location in a non-flood zone and incorrectly calculating my escrow account ; refuses to answer questions about the loans transfer from XXXX to Caliber ; and identifies that new loan servicer is XXXX XXXX XXXX XXXX XXXX ( XXXX ) but that Caliber is the current note holder and that the loan is in a pooled security guaranteed by the Government National Mortgage Association ( XXXX XXXX ). 8 out 10 of my QWR questions about my loan are proprietary and will not be provided. Worth to mention, my Note with Assignment into ANY Trust is not recorded with XXXX Countys Recorders Office, which is a glaring violation of IRS Rule 26-860G which requires all Notes to be assigned into a Trust ( specially in XXXX XXXX XXXX ) within 30 days after Closing. Now its three years too late to assign.
XX/XX/XXXX and XXXX, XXXX : XXXX sends a letter announcing itself as owner/investor for my loan.
XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ( 2 letters ), XXXX, XXXX, XXXX ( 3 letters ) XXXX ( 2 letters ), XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX ( 25 letters total ) : XXXX says it is in the process of conducting a full review of your loan in response to my request for debt validation. In the final XXXX letter says it needs another 15 business days to complete our search.
XX/XX/XXXX : Caliber announces that loan owner/investor is Government National Mortgage Association ( XXXX XXXX ), says that details of securitizations of loans is proprietary. Which contradicts with XXXX XX/XX/XXXX letter who said that my loan is in XXXX XXXX Pooled Security XXXX held by a Trust where XXXX XXXX XXXX XXXX ( XXXX ) is a Trustee. Therefore, my mortgage payments shall be received by a Trustee who distributed to XXXX XXXX investors.
XX/XX/XXXX : XXXX says that it has purchased my loan and was now the both the creditor and loan servicer. The Trustee to the loan is XXXX. Furthermore, the agent writing the letter said that XXXX determined my request to be unduly burdensome, irrelevant to the servicing of the loan, or the information [ I ] requested proprietary. The trust for the loan or legal requirements for my debt validation are never provided.
XX/XX/XXXX : Caliber writes that it is unable to provide recent information on the loan ; writes to say reach out to your new servicer for assistance.
XXXX, XXXX, XX/XX/XXXX. XXXX mails me billing statements from XXXX. XXXX XXXX, XXXX TX XXXX, while in their correspondence XXXX XXXX stated their payment address is XXXX. XXXX XXXX XXXX XXXX CA XXXX. My payment mailed to XXXX XXXX XXXX XXXX TX was promptly cashed.
XX/XX/XXXX. XXXX sent me a Default Letter from XXXX. XXXX XXXX XXXX CA XXXX. Worth to mention, under FDCPA and UCC debt collectors must CEASE all collection activities, not accelerate them. Which again triggered a conclusion that the billing statements were mailed by someone else who cashed my payments, not XXXX.
I have a friend in XXXX who is a victim of XXXX fraud in XXXX when they purchased a predatory loan originated by XXXX XXXX XXXX XXXX ( XXXX ), a fake corporation created by XXXX to defraud customers and investors. In the original Note dated XX/XX/XXXX XXXX demanded payments to be sent at XXXX. XXXX XXXX, XXXX TX XXXX, which is next to Caliber and XXXX PO Boxes at the SAME location.
Moreover, after XXXX XXXX XXXX " purchased '' XXXX in XXXX, they begun servicing this loan but in XXXX " sold '' it to XXXX XXXX. In XXXX XXXX mailed my friends a Notice of Default from their XXXX. XXXX XXXX XXXX CA XXXX, which is next to XXXX XXXX XXXX XXXX XXXX - while neither XXXX or XXXX have no offices in XXXX. In XX/XX/XXXX XXXX filed a foreclosure case XXXX XXXX XXXX against my friends where the Trustee for Trust XXXX XXXX is XXXX whose office is located at XXXX XXXX XXXX, XXXX XXXX, CA.
On XX/XX/XXXX I received a respond to my CFPB complaint from XXXX whose office is located at XXXX XXXX XXXX, XXXX XXXX, CA. XXXX ( without any contact information ) advised me that they do not servicing my loan and consider this matter close. I never asked if XXXX is servicing my loan. I asked why XXXX cashed my mortgage payments which should benefit XXXX XXXX investors and processed by Trustee XXXX.
On XX/XX/XXXX XXXX replied to my CFPB case and said they have no relationship to my transaction.
On XX/XX/XXXX at XXXX I emailed a Complaint to Sen. XXXX where I included HUD , SEC and XXXX officials. XXXX was not included in this email.
The very same day, XX/XX/XXXX XXXX, who was unable to find any documents for my loan, sent me a huge XXXX package where they included a copy of my Note without any assignments ; and Allonge prepared by Collateral Shipper XXXX XXXX who on XX/XX/XXXX transferred my loan to Caliber from XXXX. This package was emailed to XXXX by someone else via PDF file, thus XXXX never had my loan documents.
I think this Allonge was prepared the same day, XX/XX/XXXX, on the rush basis since XXXX was obviously not ware when Caliber assumed the Loan and who are other parties. XXXX only had information as appeared in the Closing package - the name of the Lender, closing date and maybe Commitment from Caliber.
During all time in question my mortgage payments were cashed by XXXX in XXXX TX via very secretive XXXX transfers while Caliber insisted that XXXX is not related to my loan.
Conclusion As I mentioned above, today I am in danger of being involuntarily foreclosed on even though I PAY and want to continue pay my loan. The only problem is : who do I pay to? Secondly, how much? Given the exploitations on my mortgage, these questions are hard to answer. My mortgage is a case study for the current mortgage machinations that endanger Americas housing market today and the companies responsible. My hypothesis is that my mortgage was fraudulent from beginning. Todays mortgage lending systems end goal is not to guarantee homeowners a clean home title at the end of their loan and contractually guaranteed private property, as it was a generation ago. Its entire purpose is to mislead homeowners on the nature of their purchase ; and create a handsome income for Big Banks under glimpse of " repaying debt ''.
I want also mention case 12-CH-17078 recently decided by Illinois Appeal Court in favor of a fraudulent " Servicer '' XXXX. Based on recorded in XXXX county Deeds, it is a fraud with XXXX XXXX XXXX. In XXXX lawyers assigned a Deed to XXXX XXXX whose " point of contact '' was Mr. XXXX XXXX in XXXX. But Mr. XXXX never worked in XXXX. He worked for XXXX XXXX in XXXX, CA from XXXX thus can not be a " point of contact '' in XXXX.
In XXXX " XXXX XXXX '' recorded a Deed for XXXX XXXX ( another shady investment company aka XXXX ). XXXX XXXX XXXX address is the SAME as mailing address for " Servicers '' Caliber and XXXX in XXXX TX! How can three unrelated to each other companies have P.O. Boxes in the SAME post office - if none of these companies have offices nearby?
This is a massive securities and mortgage fraud based on banks CDO Ponzi scheme - and a huge dark money laundering mill though American housing market using certain companies like XXXX ( XXXX XXXX XXXX ) who helps banks to process mortgage payment in the manner which conceals who is the real Payee.
I am confident that XXXX is banks ' main vehicle to bring dark money into USA from their XXXX XXXX CDOs ( entities ) who sells CDO derivatives not regulated by any US authorities ; launder them by providing mortgages to US families ; promptly foreclose by all possible manipulations, and move laundered money back offshore without paying any US taxes.
Other companies involved : XXXX ( who owns XXXX XXXX Appraisal Company and have access to borrowers database similar to major credit bureaus ). XXXX sells borrowers information ( aka Identity Theft ) to predatory lenders whose mission is to push borrowers into adjustable rates loans plus huge cash outs - to put them under hardship and expedite foreclosures. I was receiving several offers from predatory lenders per week until I filed a complaint.
XXXX XXXX, XXXX ( former XXXX/XXXX ) and XXXX XXXX who owns XXXX XXXX. XXXX likely indemnified Title companies, particularly XXXX XXXX to convince them to issue Title insurances for fatally broken by XXXX XXXX titles. XXXX XXXX forge mortgage documents for foreclosures. I am sure that my Note was forged by XXXX employee, on a very rush basis.
As you can see, despite my lawful attempts to validate the Debt and receive Adequate Assurances, XXXX XXXX XXXX and their co-conspirators extorted payments from me under duress and threats of foreclosure, for sole benefit of XXXX, in the same manner as if a street mob point their guns to my head during a day light robbery, in the clear sight of a police patrol, and threaten to push the trigger if I will not give them my wallet.
Best regards, XXXX XXXX
|
| 04/14/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
In XX/XX/XXXX XXXX the current holder at the time of our mortgage called to " refinance '' our loan to include escrow account for taxes and insurance. They told us it would be less than 30 days to process. XX/XX/XXXX I asked XXXX if I should give a mortgage payment, they said the payment amount will change once the loan refinance took place, they claimed " short staffed '' as reason it was taking so long. In XX/XX/XXXX I received a foreclosure notice for being 90 days past due. I called the office and they were closing in XX/XX/XXXX! I paid the deliquency of that foreclosure notice, in full. Now that the local office I went in person or on phone to process my loan payments was closed and the main office did not recognize my foreclosure being " cured '' so they refused to accept payments outside of XXXX. This developed into me looking into Loan modifications. During the Fall of XXXX I went through credit counseling agency to do a loan modification they refused me 3x that year. Said I did not qualify for the Loan Modification due to the value of my home versus the Loan amount needed to refinance. In XX/XX/XXXX I received a repossesion notice for my vehicle that was also financed with XXXX ( remember the office closed, so my refinance turned into a foreclosure ) I called a lawyer XXXX XXXX law office in XXXX ME. He was highly recommended by XXXX in XXXX Me as well as the District Attorney Office in XXXX Me. I made an appointment to speak with him, and I told XXXX that I was talking to an Attorney about the mortgage and the vehicle is now part of that lump sum. They then, before we could file, put an order for repossesion on my vehicle. I contacted XXXX XXXX and he put in emergency ch XXXX filing so I could re take possesion of my vehicle, which we did. I then proceeded with the chapter XXXX, filed XX/XX/XXXX. On many occasions staff from XXXX XXXX office tried to re-negociate loan modifications or refinance before proceeding with Ch. XXXX case. I was looking for Foreclosure defense not to file bankruptcy, but I was assured that was our only avenue to keep our home. Being of middle class means I could not hire him for the service I truly needed. He made about XXXX from ch XXXX with very minimal work. I brought up several violations through out the XXXX process, including foreclosure attempts while ch. XXXX was still open. We also discovered the foreclosure of XXXX was still on the record, so had to open and close the case so that XXXX was allowed to close foreclosure case of XXXX that was paid in full, to back date the closing of that foreclosure, that led me into the current foreclosure. This was done in XX/XX/XXXX or XXXX. XXXX XXXX made them remove the foreclosure from the record with a slap on the wrist, and with no attention paid to other matters such as FORECLOSURE FRAUD. During our Ch XXXX, our servicer was transferred to XXXX Loans. XXXX was no longer the servicer/lender of our account. We tried to do loan modifications and refinances with XXXX loans, and they denied us 3x as well. Just saying that they did not have to participate with loan modifications because they do not reside in USA. XXXX and XXXX XXXX worked on this case alot on behalf of XXXX XXXX. XXXX was the only one that actually tried to see our point and try to assist us, but because they were retained for Bankruptcy and not Foreclosure Defense, they gradually stopped helping in that capacity and would only converse or respond to questions concerning Bankruptcy case, although knowing of many instance of fraud on our account. XXXX ( my husband ) and I, devoured the CFPB website for information and help to build our own case. We did not make mortgage payments at that time Hoping to win the case. And to get the attention to the fraud on the account I could not get any help unless facing foreclosure, which we were not during the ch XXXX, In some of the investigation during the XXXX case, XXXX XXXX did find that Our Home Equity Loan was approved on wrong calculations of the equity of our home. On XX/XX/XXXX XXXX XXXX submitted amendment " order avoiding lein on real property '' of the HELOC loan in the amount of XXXX because at the time there was no equity to borrow from. And they falsly calculated our house value to create a fictional equity that did not exist at the time of loan. According to denied loan modifications due to the value of the house and the amount owed. This was not filed with the register of deeds until XX/XX/XXXX. During this time frame XXXX I was taking care of my mom and step dad that were both terminally ill. I was self employed since XXXX and did not contribute any income to the household and our financial circumstances had changed so we sought a loan Modification with Caliber loans. As indicated in section f in our Loan Modification, " If servicer makes advances for payment of taxes or insurance, accrues interest, or posts late or other fees or expenses to the loan, each of which is permissible under the loan documents to add to the amounts outstanding under the note, between the date of the servicer generates this agreement and the date the agreement is processed, then these amounts will either become deferred amounts under the loan documents or will be offset with a portion of good faith funds, if applicable. Deferred amounts do not accrue interest. The deferred amounts will be due at the earlier of payment in full of note, or the maturity date. If you sell the property or refinance the loan, you will require to pay the deferred amount in addition to any other amounts due at that time. '' So any unpaid balances went into a " deferred Loan '' or Balloon payment of over XXXX Over the time of the review of the loan modification I again brought up many accounting issues I was concerned about going forth with Caliber Home Loans due to prior issues. I was assured that because it is a loan modification and is a legal document that I would not experience any further fraud. In XX/XX/XXXX My mom passed away and in XX/XX/XXXX my Step Dad Passed Away. Doing a loan modification was what we wanted to do, but wanted to make sure that they did not sneek in the HELOC loan amount, which they did try to do, XXXX caught that as well, but again NO ONE wanted to tackle the fraud issue being presented many times now. We entered into a loan modification XX/XX/XXXX with a " trial period '' XXXX and signing the Loan Modification XX/XX/XXXX. The payments were XXXX ( approxiamate ). On XX/XX/XXXX I received a letter fro Caliber Home loans that our Loan Modification Trial Period Plan was complete and the new payment of {$1100.00} of certified funds or money order with copy of signed Loan Modification Agreement. We made our payments from that point on on time, or with in the same month. I received no documentation, statements or anything before during or after the Loan Modification ( outside the processing of Loan Modification. ) We received no statements that reflected a deficiency balance in our escrow. The loan amount of XXXX included taxes and insurance and was a demand of the servicer for the completion of the Loan Modification. On XX/XX/XXXX was the first statement I received with this information. of a XXXX shortage in our escrow account bringing our payment from XXXX to XXXX monthly for a year to pay the XXXX ( rounded down ) shortage. I called XXXX loans to ask how I could accumulate in a years time, XXXX shortage in our escrow? They advised me to look at my mortgage analysis and it will tell me. I found in my investigation that a large amount added was XXXX ( rounded down ) and then some smaller amounts paid to the town and insurances. In my investigation I found that XXXX was an amount in the XXXX and that amount was placed in " uncollected fees '' in the deferred loan created in the Loan modification. I contacted XXXX XXXX again, she had helped me since XXXX to navigate this long 11 year process. She sat down with my information and agreed that there was definate errors and assisted me to write QWR requesting information about the breakdown of the escrow shortage amount. They sent documents requested but did not address the problem or questions. I called them several times spending hours on the phone each time I called being transferred to 3-6 people to be left with " our legal department needs to look at this '' I did not receive a response to the questions about the XXXX and they refused to give me documentation they used to calculate the loan modification loan amount to meet all escrow needs at that time, we discovered that the loan from its inception did not meet the needs to satisfy what was needed to meet the escrow needs, creating partially, the shortage. I understand that escrow accounts fluctuate, when taxes go up and insurance premiums rise and fall, but not XXXX in one year! Over the next 3 years we struggled to make the payments on time, due to XXXX increase in our payments a month. We would tell them each and every month we are struggling to make the payment and need to talk to someone about the escrow account. I found out that my escrow account remains XXXX in shortage and that on XX/XX/XXXX they will transfer to another servicer. I called XXXX XXXX on XX/XX/XXXX to inquire about an attorney to represent me in this case. She had previously searched for an Attorney in the state of Maine, with no luck. I was advised by XXXX XXXX to call CFPB and file a complaint. I called CFPB on XX/XX/XXXX and was advised to submit a complaint online. I the called the Attorney General of Maine to see if they could recommend an Attorney to represent us, he said he does not do that nor does he know any lawyers that would represent us, but thought it odd that XXXX XXXX, could not refer me to an Attorney. I informed him she tried and there is none. I told him that I sought 10 Attorneys and 3 of them did not participate in that kind of law case although advertised through the bar association, and 7 others declined as not taking on new cases or conflict of interest. So now here I sit with no way to even hire an Attorney to represent me in a case that is very clear and I have all the back up documentation that proves the moving of the funds prior to loan modification and them moving back into the account after the loan modification was in place, deliberately causing a hard ship during a loan modification. I have tried to work with the creditors, and even did a Loan Modifcation, acquiring a huge debt, yet they get away with fraud. This has been going on for 14 years total. I have yet to find an attorney to help me. Even the Attorney General of my State could and would only refer me to a housing counselor which I had worked with from the inception of this in XXXX, but had no reference to an Attorney to help me. He said in closing to contact XXXX XXXX would be his only advice and to look up attorneys online, which I had already explained that XXXX and I could not find an Attorney, I called 2 Attorneys today, that advertise Mortgage/Escrow accounts. I called XXXX XXXX XXXX today, and was told that the attorney that handles escrow or real estate law is retiring end of XXXX and are not taking in any new clients. I asked for a referral of another attorney in Maine that may be able to take the case, she recommended XXXX XXXX XXXX in sanford Me, I called them today and she will call me back after she speaks to her attorneys to see if any will take the case. My issue is I have numerous incidents of fraud, I can not find assistance in my state to present this case in court. Now my servicer will change again, and I will most likely be at square one again. I tried to contact the new servicer XX/XX/XXXX but because I do not have an account yet, I cant get through the prompts. My loan is not even set up and they will take it over next week. I am beyond " Negociating '' anything with this. I feel there needs to be a through investigation into the practices of Caliber Loans and into y case specifically. In my investigations Caliber Loans has many violations and has paid numerous fines for Fraud with same issues I am bring forth for last 14 years. I have been more than patient and more than cooperatiive. I feel they should be held to the same standards I am expected and I feel the State of Maine is doing a dis service in the area of consumer fraud. I hope this leads to many home owners having more honest and accurate accounting practices from lenders and servicers in this state and the entire USA. In the summer of XXXX I believe, I received notification from the Independent Foreclosure Adminstrator, asking us to send in claim, we did and was given XXXX in damages from FORECLOSURE FRAUD. Clearly, there is fraud, clearly I and my husband have done all we can do to this point. I need your help to prove that this company is not complying with USA Lending practices and are maniupulating ledgers to increase my escrow balance and raise our payments so we would default, as it will raise to XXXX interest if it goes in default, according to the Loan Modifcation.
|
| 01/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
To Whom it May Concern : I am an existing customer ( lendee ) of Caliber Home Loans, Inc. and have been since XX/XX/XXXX. My original conforming loan with them was for {$300000.00} at 3.375 % fixed on a 30 year term. As their customer, I have made 100 % of my monthly payments on time per the terms of the loan and during that time have paid the principle of my loan down to {$240000.00}.
Since interest rates are now ( and have been for some time ) below my existing rate, Caliber has been and continues to advertise to me on a monthly basis that as an existing customer in good standing, that I am eligible to refinance my loan with them at 2.75 % with no lender fees.
As such, on XX/XX/XXXX I applied for a conventional home loan with Caliber to refinance my existing home loan at a lower rate and reset my loan to {$300000.00} on a new 30 year term. Calibers Loan Consultant that assisted me is XXXX XXXX, NMLS # XXXX. At the time of application XXXX informed me that the process would take approximately 45-60 days to put the new loan in place. At the time of application, Caliber ran a check of my credit through XXXX, which returned a score of XXXX. ( As a side note my credit score has and continues to be in that range for over 20 years. ) Here is a timeline of the events that occurred since I submitted my application : XX/XX/XXXX - I completed the Loan Application over the phone with XXXX XXXX.
XX/XX/XXXX - I received the results of my credit report that Caliber ran as well as the Mortgage Loan Disclosures. The Mortgage Loan Disclosures were incorrect so I notified XXXX and requested that they be corrected.
XX/XX/XXXX - I submitted all requested documentation ( including 2 years most recent tax returns, valid state ID and social security card ).
XX/XX/XXXX - I received the 3rd revised Mortgage Loan Disclosure and the results of a second credit report that Caliber ran on XXXX that resulted in a score of XXXX. I also received a copy of my signed Loan Application that showed the new loan Interest Rate of 2.95 % and estimated total loan costs of {$5000.00}. On the loan estimate I accepted a Rate Lock which estimated a closing date of XX/XX/XXXX and was good until XX/XX/XXXX.
XX/XX/XXXX - I was charged {$190.00} by credit card for the appraisal deposit XX/XX/XXXX - Without explanation I received the 4th revised Loan Disclosure and Estimate that increased my total loan cost to {$5100.00} and another Interest Rate Lock Agreement that didnt change the expiration dates from the first lock.
XX/XX/XXXX - An appraisal was conducted of my home.
XX/XX/XXXX - I received the complete appraisal from Caliber which valued my home at {>= $1,000,000} ( which would make the new loan a 22.4 % loan to value ) XX/XX/XXXX - I received an email from Caliber that my new loan was conditionally approved by underwriting XX/XX/XXXX - Without any notice or reasoning I received the results of a 3rd credit check that Caliber had run through XXXX on XX/XX/XXXX which resulted in a XXXX score. I also received the 5th revised Mortgage Loan Disclosure/Loan Application where my stated income had been revised and reduced ( not by me ) from {$240000.00} per year to {$100000.00} per year XXXX I dont know where came from. ) It also reduced the present value of the home from {>= $1,000,000} from the appraisal to {$900000.00}, reduced the Loan amount from {$300000.00} to {>= $1,000,000} and revised the total loan costs again to {$5000.00}. I did not sign it.
XX/XX/XXXX - I called XXXX and left him a voicemail requesting an explanation.
XX/XX/XXXX - Still without explanation or notice I received the 6th revised Mortgage Loan Disclosure and revised estimate where the Loan Origination Charge had been increased from {$3400.00} ( 1.298 % ) to {$5500.00} ( 2.123 % ). I did not sign it.
XX/XX/XXXX - I emailed XXXX again about all of the discrepancies and he emailed back that he'd get it fixed.
XX/XX/XXXX - I received the 7th revised Mortgage Loan Disclosure that still had incorrect income numbers and valuation of my home ( the same as stated above ), and also increased the Origination charges yet again from now to {$6800.00} based on the increase in the loan amount to {$320000.00}. I did not sign it.
XX/XX/XXXX - I emailed XXXX and informed him again there were still discrepancies and he emailed back saying once again hed take care of them.
XX/XX/XXXX - I received the 8th revised Mortgage Loan Application/Disclosure that still has the incorrect income numbers and valuation of my home, however it the Origination charges were corrected to {$3600.00} ( 1.123 % ) as originally agree upon. Out of frustration, I went ahead and signed them.
XX/XX/XXXX - I emailed XXXX asking when the loan was scheduled to close.
XX/XX/XXXX - I received an email from XXXX informing me that the estimated closing date was now XX/XX/XXXX and that XXXX XXXX of Caliber was in charge of getting everything finished and shed be in contact with me to get everything scheduled.
XX/XX/XXXX - I emailed XXXX and XXXX asking if the loan would close that day as I had not heard anything from anyone at Caliber since the prior XX/XX/XXXX email. ( NOTE : Valeries email was returned to me as undeliverable. ) XX/XX/XXXX - I received a phone call followed by an email from XXXX XXXX stating that they now needed a YTD P & L statement, 2 month business bank statements, XXXX business tax return for my company and my XXXX tax return.
XX/XX/XXXX - I received the 9th revised Mortgage Loan Application/Disclosure without notice or explanation that increased the Origination Charges again from {$3600.00} ( 1.123 % ) to {$5500.00} ( 1.723 % ). I declined the Agreement XX/XX/XXXX - I sent an email to XXXX and his manager XXXX XXXX expressing my displeasure for the number of incorrect Loan Application/Disclosures, length of time to this point and still not having the loan completed. I stated that I was not happy with the treatment, did not trust their organization and felt mislead and that I was moving on.
XX/XX/XXXX - I received and email from XXXX apologizing for the hurdles, understanding my frustration and that is was by no means intentional. He stated that XXXX was clearing the last bit of information to tie up the funds and be done.
XX/XX/XXXX - I called XXXX to get an explanation of what was going on. During the conversation I made it very clear that I felt like XXXX was NOT acting in good faith and based on the large number of incorrect documents ( changed in their favor ) was purposely trying to get me to sign something hoping that I would not notice in a predatory fashion. I also expressed my frustration that the process to close the loan was taking far longer than the 45-60 day he had estimated and was now 109 days since applying for the loan. XXXX assured me that their system automatically sent out the revised Applications every time anything changed and that I was not alone in my frustration. He then stated that I was ABSOLUTELY APPROVED for the loan and that the additional documentation they requested was only needed to satisfy FHA guidelines. He was very clear that it was merely a formality.
I then told him the documentation about my business would not help me from an underwriting standpoint as it is a software start-up company that has been in initial development for the past few years and is just now starting to sell the product. He told me not to worry, I was a existing customer in good standing, the loan was only 22 % LTV and the payments were no different than what Ive been paying all along ( equating to 6.7 % of my income ).
He then told me that this was the longest loan application as far as days on the books and they wanted to get it wrapped up ASAP. He said I would have closing documents within 2 days of submitting the requested documentation.
XX/XX/XXXX - I submitted the requested documentation to Caliber regarding my business.
XX/XX/XXXX - I had not seen or heard from Caliber so I sent an email to XXXX and XXXX requesting they confirm they had everything they needed from me.
XX/XX/XXXX - After still not hearing from them I emailed again asking why I hadnt received closing docs. as promised and it was now 4 days since they received my documentation.
XX/XX/XXXX - I received an email from from XXXX stating that XXXX now had to " consider my income based on my business tax returns and that hed call me to explain. I emailed him back to see when we could talk and received an email that he was tied up in meetings the rest of the day.
XX/XX/XXXX - I called and left a voicemail for XXXX manager XXXX XXXX.
XX/XX/XXXX - After not receiving a call back from either XXXX or XXXX I sent XXXX the following email : Hi XXXX - I left a couple of voicemails for you last week, but havent heard back so I thought Id try email this time.
As you may already be aware, I applied to refinance my existing Caliber loan in early XXXX. In the 4+ months since I applied, XXXX XXXX informed me on multiple occasions that my loan had been approved, but that processing was taking longer than expected 45-60 days. Also during that time, I received a total of 10 revised mortgage disclosure statements where the financial provisions of the loan had materially changed without notice or reason. After waiting over 100 days for the loan to close I emailed you on XX/XX/XXXX to request your involvement. After this there was a flurry of attention, where again XXXX XXXX told me that I was approved for the loan, but that I needed to provide additional information regarding the business I run. I informed him that the company is a startup and isnt profitable yet. He said that didnt matter, I was approved and the information needed was only to satisfy the FHA documentation requirements. Last week I found out otherwise and that I have not been approved for the loan.
I have been a XXXX customer since XXXX XXXX, XXXX, in which time I have not missed or been late on a single payment. My credit score is nearly 800 and has been at that level for years. The new loan payment and the existing monthly payment are nearly identical at {$1300.00} per month which is 6.3 % of my total income or 21.6 % if you take out my guaranteed payment from my Company. The loan to value is less than 24 %.
I am having difficulty understanding what the problem is to close this loan? Did Caliber lose interest in the loan parameters because it was locked in so long ago and it doesnt fit todays deals? Would the loan have already closed if I had unwittingly agreed to one of the other Mortgage Disclosures?
Please help me understand.
Thanks, XX/XX/XXXX - Caliber Loans voided the Loan Application and Disclosures in Docusign XX/XX/XXXX - After still not receiving a response from XXXX or XXXX I sent XXXX the following email ( cc : ing XXXX and XXXX ) : XXXX, I want to make you aware that per your suggestion, that over the past 10 days I have left 3 voicemails and sent the attached email to your manager XXXX and have had no response. I dont think my request for an explanation is unreasonable, especially after the length of time this process has taken, the significant number of miscues on Calibers behalf and the time and personal costs that I have invested in this process.
I almost never leave reviews or complain about poor service, however in this instance I feel I was so seriously misrepresented that it is worth filing a complaint with the Consumer Financial Protection Bureau.
XX/XX/XXXX - I received the following email from XXXX XXXX that he had cc : d to XXXX and Sun XXXX ) : XXXX thank you for letting me know and keeping me in the loop! XXXX is out of the office as of Friday and I have brought this to our managing team to address with you!
I have a meeting with them at XXXX XXXX and someone will be reaching out right after to help you out.
Thanks you again for your patience and staying in touch to get this into managements hands XXXX.
XX/XX/XXXX - XXXX sent me an email asking if anyone from XXXX had reached out to me to clarify my concerns and I responded to him that no, no one had contacted me.
XX/XX/XXXX - XXXX voided additional loan disclosures and documentation on Docusign On about XX/XX/XXXX - I received a letter from XXXX stating that my loan application had been declined and that I should reach out to XXXX XXXX if I required further explanation.
That was the last that correspondence I received from Caliber about the loan, HOWEVER I have received 3 additional mail advertisements thanking me for being a Caliber customer and that I am eligible for a rate reduction on my loan!
|
| 12/31/2020 |
Yes |
|
|
|
Web |
Older American |
|
Caliber Home Loans , Inc .
XXXX XXXXLoan Officer XXXX XXXX Loan Processor Realtor XXXX XXXX XXXX XXXX Agent XX/XX/XXXXI applied for a home loan with Caliber Home Loans for a property on XX/XX/XXXX, located in XXXX XXXX, SC XXXX, after receiving a preapproval on XX/XX/XXXX with a list of documents to be reviewed. One of the conditions was to provide documentation that my son made payments on his automobile for the past 12 months which I had co-signed for. I complied by submitting all the documents that were requested with payment statements for each month that were paid with cash, as well as his bank statements for those payments that were made thru his bank account.
On XX/XX/XXXX, the Loan Officer requested car payment receipts for my sons car for the months of XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which I submitted. A revised mortgage disclosure was sent to me on XX/XX/XXXX and an email to pay for the appraisal on XX/XX/XXXX which I paid. Shortly before closing it was discovered through the inspection that there had been water damage in the walls that was not disclosed on the disclosure statement, so I chose to terminate the contract for that reason.
Shortly after that I located another property in XXXX, SC XXXX for approximately the same amount and put in an offer on XX/XX/XXXX which was accepted on XX/XX/XXXX. My Realtor and I were under the impression that there would be no problems since the underwriting was already underway for the XXXX XXXX property and there did not appear to be any red flags at this point of the process.
I received and signed the early disclosure form from XXXX XXXX and XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX I received an email for the appraisal payment ( the monies were transferred from the first property to cover this cost. The 2nd property was inspected on XX/XX/XXXX. I received a conditional approval email for the mortgage on XX/XX/XXXX and the appraisal report on XX/XX/XXXX as well as the conditional approval on XX/XX/XXXX from XXXX XXXX ( Senior Loan Processor ). All documents were submitted to her in a timely manner, except for the IRS tax payment agreement and proof of the last 3 months payments toward the payment agreement. I had difficulty accessing my information on the website, but I was finally able to get into my account and submit the requested information on XXXX was emailed the closing disclosure on XX/XX/XXXX as well as a closing disclosure receipt notice. I then received an email from XXXX XXXX XXXX Real Estate Paralegal ) on XX/XX/XXXX that the closing was scheduled for XXXX XXXX on XX/XX/XXXX.
Everything appeared to be going rather smoothly up to this point and then the problems began.
First, I was relocating from XXXXXX/XX/XXXXto XXXXXX/XX/XXXXso I had to coordinate everything pertaining to the move based on the closing date, which ended up entailing numerous scheduling changes, cancellations and additional expenses. I had discussed my concerns and anxieties with XXXX XXXX ( Loan Officer ) several times, as I wanted to be comfortably certain that everything would be a smooth transition, especially during these times of Covid-19 and the possibility of ending up with nowhere to live in a new state.
I had received a conditional approval letter from XXXX XXXX ( Senior Loan Processor ) letting me know that she would be working with me through the rest of the process and requesting I submit certain documents for review by XX/XX/XXXX. As I stated previously, everything was submitted on time, except for the IRS Tax payment information which was submitted on XX/XX/XXXX.
There was some confusion on my part as I had requested for the contract had been ratified to close on or before XX/XX/XXXX, so I assume the XXXX was the day the loan company was looking to close the loan and since I had scheduled movers, etc. I asked if we could close sooner. I then received an email from XXXX XXXX about scheduling the closing for XX/XX/XXXX and an email from XXXX XXXX ( Real Estate Paralegal ) on XX/XX/XXXX stating that we were scheduled to close on XX/XX/XXXX. We left XX/XX/XXXX on XX/XX/XXXX with a 26 ft truck containing all our household items and a flatbed tow with my sons car on it. I drove my car. Our intention was to be present for the closing on XX/XX/XXXX at XXXXXX/XX/XXXX but we were informed that they were not ready to close at that time, so XXXX scheduled the closing for later in the day at XXXXXX/XX/XXXX. Also, on XX/XX/XXXX I received an email from XXXX XXXX about her preparation for the gift letter for my niece and I to sign, as she was gifting me the down payment. She stated the amount would be {$5300.00} which was not the correct amount, but we signed it. I later discussed the closing amount with XXXX XXXX, and she noted a discrepancy in the amount as well. My niece ended up sending XXXX her bank statement 3 different times as XXXX said she did not receive all the pages, furthermore, she never received the exact amount needed for wiring. My niece has confirmation that all pages were sent each time. I also want to mention that as I was driving to XX/XX/XXXX, I received a call from someone at XXXX who conducted conference calls to verify 3 accounts, one of which was my sons car account at XXXX.
The closing did not take place on XX/XX/XXXX, so we checked into a hotel. I also received a Mortgage loan disclosure document on XX/XX/XXXX to sign. On XX/XX/XXXX I received another email from XXXX XXXX stating that she emailed the lender, and the closing was to be scheduled for XX/XX/XXXX at XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX sent me an email on XX/XX/XXXX about closing as she sent the contact person for my mortgage an email but did not receive a response about the change to the XXXX. On the XXXX I received an email from XXXX XXXX stating that there were missing pages from the bank information from my niece. Furthermore, during this period, XXXX and XXXX were not answering emails or phone calls from me, XXXX XXXX, my Realtor and XXXX XXXX XXXX home insurance person from XXXX XXXX XXXX. Today XX/XX/XXXX as I am writing this complaint, I received an email XXXX XXXX at XXXX XXXX informing me that Caliber Home Loans has not paid for the homeowners insurance in the amount of {$1500.00} and that it is past due. I spoke with XXXX XXXX from XXXX XXXX XXXX on XX/XX/XXXX to resolve this. She stated that she was told by the underwriter that the closing would take place on XX/XX/XXXX, so she wrote the policy. She was never informed that the loan was denied and that the closing would not occur. She was not able to contact XXXX XXXX so I gave her the name and phone number of the loan officer. She contacted XXXX XXXX and he was to email me the denial information which I was to forward to XXXX. I never heard from XXXX XXXX, so I just sent her copies of the denial letter that was mailed to me.
On XX/XX/XXXX XXXX XXXX requested car payment documentation for the months of XXXX and XXXX of XXXX and I think XX/XX/XXXX. XXXX responded that she received all the receipts except XX/XX/XXXX. She also inquired about a cash withdrawal from my son account on XX/XX/XXXX and wanted to know if I had a cash receipt from my account for XX/XX/XXXX-I do not know what that was about, other than an attempt to show that I am giving my son money to make his car payments, which I was not. She did not follow-up on this request.
Each day from XX/XX/XXXX thru XX/XX/XXXX I submitted paperwork, both by fax and email pertaining to my son 's car loan, and this is while I was traveling and staying at a hotel. We submitted statements for each month, the total payment ledger and XXXX bank account. Many of these multiple times. No payment was ever missed or late in the 3 years that he has owned the car and his bank account shows that his income was sufficient to cover the car payments.
On XX/XX/XXXX XXXX XXXX sent me an email stating that the lender informed her that they are still working on my file and that she thought maybe we should hold off on sending the gift money wire until we received a definite closing date. On XX/XX/XXXX, I also received an email from XXXX XXXX about printing IRS pages with my name on it, which I did. Finally, on XX/XX/XXXX, I received a phone call from XXXX XXXX to inform me that the loan would not be approved until I refinanced the car and removed my name as it proved to be a liability for me, even though all the payments have been made on time for 3 years and the documentation was submitted showing that my son made all the payments. Nothing negatively changed on my credit report ; and as a matter of fact, I paid off 3 accounts during that time. So that was pretty much how the loan process ended.
How this experience affected me I was already taking XX/XX/XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX for XX/XX/XXXX and XXXX XX/XX/XXXX, so during this time of Covid-19 and the treatment from Caliber Home Loans really exasperated my condition. I had XXXX XXXX, almost ran off the road with my car and broke down crying. The week before I left XX/XX/XXXX and the week after I arrived in XX/XX/XXXX XX/XX/XXXX was one of the most stressful times I have ever experienced in my life, as I was receiving emails and text messages several times a day to respond immediately to the underwriter before I could be cleared to close. Once we arrived and discovered that we would not be able to close, we had to find a place to stay immediately, which was a daunting experience. The first hotel we went to was having the XXXX and XXXX floor closed off for sanitizing for Covid-19. We finally ended up at a motel, where we stayed for the next week until ( the day we were told that the loan was not approved ). From there we immediately went in search of an apartment, which we were able to find a place, but it would not be ready for several days. The woman in charge of the complex allowed us to stay over the office for about half the amount we were paying at the hotel until the apartment was ready, which was approximately 5 days later.
Financially I was stretched to the limit and fearful that I would not have the funds to find a place to live if we did not close on the house. The expenses I incurred are as follows : Hotel/ housing until I secured an apartment {$560.00} Apartment deposit/rental expense {$2500.00} + pet fee {$320.00} Appraisal {$500.00} Inspection/re-inspection {$450.00} Title Search {$250.00} I would also like to discuss the fact that many people were inconvenienced as they put a great deal of time and work into this sale. My Realtor made several trips to the house to provide me with a virtual walk-thru, as well as following up with the inspection and final walk-thru, along with the documents that she prepared and shared with everyone. Furthermore, the sellers were also inconvenienced, as they relocated to another state and left a few days before the closing after turning off all their utilities. The home was appraised for {$10000.00} more than I was paying and is now sold I believe for approximately {$15000.00} less than my offer. The Law office personnel rescheduled the closing multiple times and were unable to coordinate anything as the underwriter and Loan officer were not always returning their calls or responding to their emails. As you can see from the expenses that I have incurred, I have pretty much exhausted any monies that I had to purchase a home, therefore, I believe that Caliber Home Loans Inc. should reimburse all the money that was needlessly spent because they led me to believe that I would be able to close on the loan, only to deny it at the last minute, leaving me with no place to live. I also believe that I should be compensated for the stress and undue hardship that I endured through this process. I would still like to pursue purchasing a home, but this setback has made it impossible for that to happen for long time to come. I have emails, text and voice messages along with hard copies of paperwork to document all of the events above. there are so many that I chose not to attach them.
Thank You
|
| 08/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
My current mortgage is financed by Caliber Home Loans. Since interest rates have lowered, I found it to be in my best interest to re-finance my mortgage. On XX/XX/XXXX, I reached out XXXX XXXX, a Senior Loan Consultant, to inquire about re-financing. On XX/XX/XXXX, I completed and signed a " welcome and mortgage disclosure for loan # '' contract sent by Mr. XXXX. Later that day, Mr. XXXX sent an email stating that they were excited to get started with my new loan, but that they needed a copy of the most recent mortgage statement for my other property. I sent that statement to Mr. XXXX later that day.
On XX/XX/XXXX, Mr. XXXX sent a Mortgage Loan Disclosure. I sent a follow-up question regarding the amount that I will need to bring to closing. Mr. XXXX responded stating that I would receive a lot of emails during the closing process, but that were simply sent out for compliance purposes. Additionally, he stated that I would not need to provide any cash to close.
On XX/XX/XXXX, Mr. XXXX sent an email confirming that my file has moved forward. He stated that my assigned processor would contact me and walk me through the rest of the loan process, and that my assigned processor would be my sole contact until closing. On XX/XX/XXXX, another mortgage loan disclosure was sent to me.
On XX/XX/XXXX, Caliber sent an email to its customers explaining that re-financing would take " a little longer than normal '' to re-finance my loan. On XX/XX/XXXX, the first appraisal was completed by Mr. XXXX XXXX of Suburban appraisal associates on my home for the re-financing process. I believe that I paid {$200.00} for that appraisal, the fee is listed as {$600.00} on the report.
On XX/XX/XXXX, I reached out to XXXX to ask about the status of my loan, to inform him that no one had reached out to me to continue with my refinance application, and to express my concern to have my rate locked. That day, XXXX responded that they were experiencing high volume, and he included XXXX XXXX on the email to give me a status on my loan. He also noted that they showed my file as approved.
On XX/XX/XXXX, I received an email from Ms. XXXX indicating that she was my processor, and primary point of contact. She explained that she needed additional documentation, specifically a Photo ID/drivers license, to verify my SS #, a Letter of explanation sent through Docusign, and contact information for my condo association. On XX/XX/XXXX, I sent XXXX that information. On XX/XX/XXXX, I received a revised mortgage loan disclosure. On XX/XX/XXXX, I sent Ms. XXXX an email asking if she had any idea when I'd be able to close. Later that day, she responded that she did not have an estimated closing date, but that I provided my condo association contact, and that is normally the piece that takes the longest to complete. On XX/XX/XXXX, I responded to Ms. XXXX informing her that if she could not get information from my association contact, to just let me know. I let her know that my condo had only 4 units, so I could provide information if the condo manager couldn't.
On XX/XX/XXXX, I received a D.C. mortgage commitment form from XXXX. Later that day, I received an email from Mr. XXXX informing me that I had a closing disclosure that needed to be completed ASAP. Mr. XXXX indicated that the disclosure needed to be completed that day so that my closing appointment on time. He indicated that the numbers were not final, and that my file was still being adjusted. I completed that document that day.
On XX/XX/XXXX, I emailed XXXX and asked for an email update. He forwarded my request to Ms. XXXX on XX/XX/XXXX. That Day, Ms. XXXX responded that she was unable to reach my condo association manager for the condo questionnaire to be completed. That day, I emailed Ms. XXXX asking her to send the questionnaire to me. I again explained that we are a small association of only 4 units. Further, I told her that our property manager is often busy with her larger associations, but that I could get whatever information that was needed. Ms. XXXX responded that she had to ensure that the questionnaire was done done by my association, and she stated that she re-sent the document. That day, I told Ms. XXXX that I would reach out to my condo association manager.
On XX/XX/XXXX, I reached out to Ms. XXXX for a status update. Additionally, I asked if the questionnaire was the sole reason for the delay in closing. On XX/XX/XXXX, Ms. XXXX responded " Correct, we can't move forward without it. '' On XX/XX/XXXX, I received and completed a revised closing disclosure for my mortgage loan. Later that day, I received sent an email to Ms. XXXX informing her that the association manager had not received an email with the questionnaire attached. I asked Ms. XXXX to re-send. On XX/XX/XXXX, I sent a follow-up request to Ms. XXXX. Later that day, Ms. XXXX responded that she forwarded an email to the condo manager. On XX/XX/XXXX, I emailed Ms. XXXX, that my property manger confirmed receipt of the email, but there was no questionnaire attached. On XX/XX/XXXX, I emailed Ms. XXXX for an update. On XX/XX/XXXX, Ms. XXXX sent an email that she switched phone numbers, so that there is a full delay before voicemails show up in her inbox. She then attached a copy of the condo questionnaire. She stated that once the questionnaire was completed, sh could forward it to the processor on the loan.
On XX/XX/XXXX, I sent Ms. XXXX and email informing her that the questionnaire said that it was for associations with 5 or more units, but that my association only had 4 units. I asked if there was a separate questionnaire that needed to be completed. She did not respond.
On XX/XX/XXXX, I emailed Ms. XXXX and asked if she received the questionnaire, and CC 'd Mr. XXXX. That day, Mr. XXXX forwarded my question to XXXX XXXX. On XX/XX/XXXX, Mr. XXXX introduced himself as the processor working with my loan consultant. He stated that he would be the point of contact for the remainder of my application process. He then informed me that my previous processor, Ms. XXXX, " will be way fro a bit. '' That he would fill in. He then responded to Mr. XXXX, indicating that he just took over as the previous processor is out of office for a bit. He stated that he would see if there was anything else needed to get the loan going. That day, I responded to Mr. XXXX thanking him for the update.
On XX/XX/XXXX, I emailed Mr. XXXX asking if he needed anything else to close the loan. That day, I received another revised closing disclosure, which included a Covid-19 attestation form. I signed this document. He also stated that he needed the condo questionnaire, and tax returns from XXXX and XXXX. I provided that information on XX/XX/XXXX, and Mr. XXXX confirmed receipt.
On XX/XX/XXXX, I reached out to Mr. XXXX and asked for an update. That day, he apologized for not getting back to me sooner, and indicated that he was having system issue. He indicated that he would get back to me the next day to provide a status on my loan. I responded, that I looked forward to his status update. Since there was no update, I sent a follow-up on XX/XX/XXXX to Mr. XXXX. Later that day, someone named XXXX XXXX responded that they were assisting Mr. XXXX with my loan. XXXX indicated that I needed to provide a Covid Attestation Form, 2 month bank statements to meet cash close and reserve requirement of {$6700.00}, and a copy of my SSN. I responded to XXXX that I had previously signed a covid-attestation from, and I let them know that XXXX informed me that I would not need to provide any cash for closing. I asked for an explanation as to why that was changed.
On or around this XX/XX/XXXX, I spoke with XXXX on the phone and explained that I completed the covid attestation. I informed them that I signed it on XX/XX/XXXX. They were unable to locate a copy in their system. On XX/XX/XXXX, I received two voice messages from XXXX XXXX. On the First message, XXXX asked for copies of my SS Card, Covid attestation form, and 2 months bank statements. Shortly thereafter, XXXX left another voicemail telling me to ignore the last voice message.
On XX/XX/XXXX, I received a docusign from XXXX XXXX asking for me to complete a Covid Attestation form. I did not complete this, since I had already done so. I forward that to XXXX XXXX, asking Mr. XXXX if Mr. XXXX was an employee at Caliber.
On XX/XX/XXXX, Mr. XXXX forwarded my question to Mr. XXXX. On XX/XX/XXXX, Mr. XXXX responded that he was out sick, but that two of his coworkers assisted on the loan, and that the only thing they were waiting for was an update copy of the HOI with the new loan number. He indicated that was requested as of the previous Friday. On XX/XX/XXXX, I thanked Mr XXXX, informed him that I had previously signed a Covid attestation form, and asked if I needed to provide anything else.
On XX/XX/XXXX, I received another docusign from Caliber indicating that another appraisal was received in connection with my loan for {$150.00}. I was not made aware that another appraisal had been ordered, nor did anyone ask me anything about another appraisal. Additionally, no one else came out to my property after the first appraisal.
Around XX/XX/XXXX, I called Caliber home loans to figure out what was happening with my loan. I wanted to know why this process had taken 6 months, where the second appraisal came from, and who XXXX and XXXX were as they were asking for information that was already provided, and information that was opposite to what Mr. XXXX stated. Customer service could not put me in contact with anyone who could help, but indicated that my issue was escalated.
On XX/XX/XXXX, I emailed Mr. XXXX and XXXX, asking for a follow-up. I wanted to know if I needed to provide any information to close, why there was a second appraisal, and why this process was taking so long. I informed them that this process began in XXXX. There was no response. So I followed-up again on XX/XX/XXXX. On XX/XX/XXXX, Mr. XXXX responded that my loan is in review with underwriters. He explained that the process normally takes 24-48 hours, but that there may be a delay. He stated that he would reach out as soon as he is notified. On XX/XX/XXXX, I received another revised closing disclosure. With no answer to any of my questions, and with no explanation.On XX/XX/XXXX, I sent Mr. XXXX and Mr. XXXX another email asking why a second appraisal was ordered. There was no response.
On XX/XX/XXXX, I sent another email asking Mr. XXXX how long my case has been with the underwriters. Additionally, I called Caliber 's customer service with my complaints. NO one has responded to my email, and customer service could not provide any answers. However, they indicated that they have escalated my issue.
To quickly summarize, my re-finance process has taken 6 months with no end in sight. There was a second appraisal ordered and charged without any discussion with me prior to that appraisal, and there has been multiple unanswered emails and phone calls regarding my re-financing. Additionally, there have been changes as to who is handling my re-finance with no explanation or warning. Moreover, I have been asked to provide duplicative information on multiple occasions. Further, I have been paying the higher interest rate this entire time. I am concerned that they are dragging this out, because they would lose money on interest if I were to re-finance.
|
| 12/22/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XX/XX/XXXX Dear Sir or Madam : I am writing to dispute late payments reported on my Mortgage account with Caliber Home Loans. ( See attached documents showing payments made on the account. ) Caliber Home Loans is stating that I have been late in my payments to them for the last two months. However, this information is not correct. It is inaccurate.
I am requesting that the item is removed and that these payments are updated as being paid on time.
Enclosed are copies of payment confirmations from Caliber Home Loans and my bank which note the payments were paid to Caliber Home Loans for the two months in question. I have also included statement information from Caliber which shows under the Trans Nam e
and Trans Amt the payments I have made to Caliber Home Loans during the months they have stated that I paid the account late. I have been making lump sum payments above and beyond the required amount to pay off this loan over the last several months.
In XX/XX/XXXX I paid the account in the amount of {$4000.00} In XX/XX/XXXX I made a payment of {$390.00} In XX/XX/XXXX I made a payment of {$1000.00} I have highlighted these items for your review.
Also included is a copy of the payment confirmations from Caliber Home Loans of these payments.
I have also reached out to Caliber Home Loans to try to settle this issue over the last 4 weeks. After being told repeatedly over 11 times prior to XX/XX/XXXX, that this matter would be resolved, and my credit reporting would be updated as being paid on time, I was told that the deferred balance which was part of a loan modification agreement obtained in XX/XX/XXXX was due in full and that the credit reporting would continue to be reported as delinquent.
I stated to Caliber Home Loans that there wasnt any notice given to me during the time period I was talking to their Supervisors and Customer Service Representatives and that these items would be reported negatively.
Also, in reviewing my loan modification agreement, it states that the final amount due on the maturity loan is in XXXX not at the completion of payment of the principal payments. Additionally, Caliber Home Loans has now sent me a letter on XX/XX/XXXX, stating that there is {$.00} owed on my account, which has been paid as evidenced by the letters showing confirmation payments by Caliber Home Loans where they are stating if I do not pay the {$.00} by XX/XX/XXXX, my property will go into foreclosure.
Here is a history of my calls with Caliber Home Loans to resolve this issue since XX/XX/XXXX, when I became aware that they reported my account as being paid late : 1. ) XX/XX/XXXX, @ XXXX XXXX XXXX - Teller ID XXXX Discussion of the past due amount of {$.00} on my account which is causing the account to be reported as late.
XXXX stated that for XXXX and XXXX they would backdate the payment and update the credit report to report the payments as made on time. Please note a confirmation of payment {$.00} was made on XX/XX/XXXX, sent via Caliber Home Loans, and a copy of this payment is attached in the enclosed documents.
2. ) Contacted Caliber Home Loan on XX/XX/XXXX, @ XXXX XXXX XXXX Teller ID XXXX The balance on the account is {$3900.00} XXXX noted she would escalate this manner to her Manager. She said they would have to manually go through cashiering to take the XXXX ( {$.00} ) out, but the credit report would be updated as well to reflect timely payments. I was also advised that I could dispute this matter on my credit report too.
She also noted that the lump sum payments which were made in the system were applying as a short payoff each time, reporting the payments delinquent as {$.00}. Cashiering was applying it to the principal balance. I was advised to make lump-sum payments over the phone so they could put it in the system manually. There was also an open ticket for cashiering to correct the payment as a current payment and to keep a balance in the principle which keeps the account active.
The manager said they would work on it with a target completion date of today ( XX/XX/XXXX. ) I was advised to call back on XX/XX/XXXX, via the XXXX number between XXXX XXXX - XXXX XXXX Monday Friday.
3. ) XX/XX/XXXX - @ XXXX XXXX XXXX Teller ID XXXX He noted that the full payment amount noted of {$4100.00} on the account brings the balance to {$3900.00} with a cashier credit.
He also noted that a fax was sent to get the information corrected. They waived the {$34.00} late fee as the cashier credited that the payment was paid on time, but it was noted incorrectly in accounting.
He said to send a letter to the following to dispute the information on my credit report : Fax ATTN : Credit Reporting Dispute/ Customer Service Loan # XXXX - Erroneous 30 days late - ( XXXX ) XXXX Fax Teller ID - XXXX XXXX. ) XX/XX/XXXX @ XXXX XXXX Teller ID - XXXX called me back Accounting decided to back up one of the payments and apply some of the principal to the deferred amount which should automatically fix credit report for the late monthly payments. The change will be reflected and updated in 24-48 hours. Someone from Caliber Home Loans will call back and note that it is reported to credit reporting agencies on the first of the month.
5. ) XX/XX/XXXX @ XXXX XXXX - XXXX Teller ID XXXX I made an additional payment on the telephone manually to the Customer Service Department to ensure the payment was credited appropriately to my account. I made a payment to the Customer Service Representative of {$1000.00} and the confirmation # XXXX given to me for the payment.
6. ) XX/XX/XXXX XXXX XXXX I was told that the Manager readjusted the XXXX payment and it would be updated on my credit report as paid one time.
The Managers name is XXXX XXXX - Teller ID XXXX Credit reporting may take up to 10 days to reflect an update.
7. ) XX/XX/XXXX @ XXXX XXXX - XXXX SPOC ( Single Point of Contact ) Teller ID XXXX Called back and left a message to speak with XXXX or Manager further to check on the status of correction on my credit report. She said she would send a message to both of them.
8. ) XX/XX/XXXX @ XXXX XXXX XXXX Teller ID XXXX XXXX advised me to send a screenshot to show that my credit reporting was not reporting correctly to her to share with her Supervisor. I faxed in copies of the screenshots of this information for Calibers Supervisory Team.
I sent the information to XXXX Supervisor at Fax ( XXXX ) XXXX 9. ) XX/XX/XXXX @ XXXX XXXX XXXX Teller ID XXXX No updates or conclusion to the investigation.
10. ) XX/XX/XXXX XXXX - Supervisor Teller ID XXXX Advised me they are looking into the matter, issues has been escalated, and to call back on Thursday as they should have an answer 11. ) XX/XX/XXXX XXXX Teller ID XXXX - XXXX took notes to send over to XXXX for resolution.
12. ) XX/XX/XXXX @ XXXX XXXX XXXX ( Supervisor ) Teller ID XXXX XXXX finally informed me for the first time in the series of calls I have had with Caliber that the reason my loan was being reported late was because I am making payments on the deferred balance which was part of a loan modification which was done on this loan 7 years ago. He stated that the deferred balance has to be paid in full as the principal on the loan has been paid in full.
I let XXXX know that there was not a prepayment penalty on my loan nor any information in the loan modification to state that I had to pay the deferred balance in full upon payment of the principal amount on the loan.
XXXX stated that the account will be reported late until the deferred balance is paid in full and will show as delinquent on my credit report. I asked why this wasnt communicated to me over the last month when everything the Customer Service Representatives told me was the opposite and that the credit reporting would be reported on time as I have made payments on the account.
He stated that it was due to the principal of my loan being paid off which has now made my deferred balance due immediately. I told him I was very upset because this language was not in the loan modification agreement, and the loan modification stated that the loan was due at the maturity date of XXXX.
I noted to XXXX that in my loan modification that I didnt see anything that stated that the deferred balance was due once the principal was paid. And since I have been making payments in lump sums several times over the past several months in which there wasnt a principal balance, I couldnt understand how this could suddenly change without notice.
I also mentioned to him that Caliber has had a history of making credit reporting errors with my account in the past and reiterated I had no notice that the deferred balance had to be paid in full once the principal was satisfied.
Finally, I asked XXXX since no notice wasnt given and if I made the payment of the entire balance would Caliber in good faith be able to correct the reporting? He said they would not correct the matter. He said this is the final outcome, but I could write a letter to the Customer Advocacy Department.
Here is the information XXXX provided to me about the loan : Customer Advocacy ( XXXX ) -XXXX send in a complaint letter 13. ) XXXX, XXXX, XXXX @ XXXX XXXX Called and left a message with XXXX Teller ID XXXX to have XXXX call me back who was the original customer service representative who was working with her Supervisor to resolve this issue and have the credit reporting updated to reflect that I had made my payments on time.
I wanted to speak with her about my options of updating the information.
14. ) XX/XX/XXXX @ XXXX XXXX XXXX Teller ID XXXX ( Single Point of Contact ) SPOC The request is still open to investigate this matter in the system and there has been no resolution according to the notes. Verified that loan modifications usually have to be paid by the Maturity Date which is XXXX for my loan and noted on the statement and that there is no prepayment penalty on the loan.
15. ) XX/XX/XXXX @ XXXX XXXX Single Point of Contact ( SPOC ) Teller ID - XXXX She stated that XXXX tried to call me three times, but didnt get a response. I let her know that I did receive a call twice from the bank, which could have been XXXX, but when I picked up the call it disconnected the call both times.
She sent an instant message to XXXX who stated she would call me on Monday, XX/XX/XXXX or before the close of business tonight XX/XX/XXXX. I did not receive a call back from the bank on Friday, XX/XX/XXXX.
Look forward to bringing this matter to a resolution soon. Let me know if you need any additional information.
|
| 11/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
The following text has been sent to the companies involved, including all identifying details. The letter is also attached along with the concluded payment deferral plan. Homeowners are writing to request immediate correction of the errors, and ongoing delays and deception described below in regard to the mortgage on homeowners property at XXXX. Given Caliber and XXXX ongoing dilatory and deceptive practices, this letter is also being filed as a complaint with the Consumer Financial Protection Bureau . Homeowners have already consulted legal counsel and will pursue legal action if the demanded remedies are not forthcoming in a timely manner. FACTS : Homeowners mortgage with Caliber was recently transferred to XXXX. Homeowners completed a mortgage assistance application with Caliber in XXXX XXXX. The application was reviewed by Caliber, who then sent a payment deferral agreement dated XXXX XX/XX/XXXX. The payment deferral agreement was sent to homeowners in an envelope bearing the XXXXXXXX XXXX XXXXXXXX company name and address, and postmarked XXXX XX/XX/XXXX. At the same time, homeowners received written notice on Caliber letterhead of the upcoming transfer of mortgage servicing from Caliber to XXXX. The letter was dated XXXX XXXX, and included XXXX address and instructions for changing payments from Caliber to XXXX. The letter also noted that the transfer should be easy because Caliber had been part of XXXX since XXXX, and that homeowners account number, etc. would not change. Nowhere in the document was the XXXX mentioned. Nonetheless, the document was sent in an envelope bearing XXXX XXXX XXXX company name and address, and also postmarked XXXX XXXX. FACTS, continued : Under the terms of the payment deferral agreement, the first payment was to be due on XXXX XXXX, however elsewhere in the document, homeowners were informed that to accept the payment deferral agreement, they must sign and return the agreement and make the payment by XXXX XXXX. Homeowners signed and returned the payment deferral agreement on XXXX XXXX via the e-mail address provided by Caliber ( XXXX ), uploaded to the Caliber website, and mailed to the address provided by Caliber. Homeowners also made a payment dated XXXX XXXX on the Caliber website. While the new payment amount provided in the payment deferral agreement was {$3800.00}, homeowners made the XXXX XXXX payment in the amount of {$3800.00}, because that was the only amount the Caliber website would allow. FACTS, continued : Subsequent to homeowners executed acceptance of the payment deferral agreement, homeowners received an e-mail on XXXX XXXX from XXXXXXXX XXXX XXXXXXXX indicating that the servicing of homeowners mortgage had been transferred to XXXX. The e-mail indicated that XXXX had received notice of the mortgage assistance application and that it may take up to XXXX business days for the updated account information to be reflected in XXXX systems. During phone calls with homeowners on XXXX and XXXX XXXX, representatives of XXXX claimed that it could take up to 60 days for all of the information regarding homeowners mortgage to be transferred to XXXX XXXX XXXX During the call on XXXX XXXX, the XXXX representative claimed that XXXX would have to complete a valuation of homeowners property, which may result in different options than those given by Caliber. On XXXX XXXX, homeowners received another e-mail from XXXX indicating that XXXX was working on setting up the loss mitigation solution from homeowners prior servicer. The e-mail went on to claim that it would take time to close the account with the prior servicer and set up the new account in XXXX systems. On XXXX XXXX, homeowners received from XXXX three pieces of mail, all dated XXXX XXXX : XXXX ) a privacy notice ; XXXX ) a notice of transfer of servicing to XXXX ; and XXXX ) a XXXX loss mitigation application package. Only the privacy notice had the company name visible from outside the envelope. None of the three items of mail bore a postmark, but all were received on XXXX XXXX. As of XXXX XXXX, the terms of the payment deferral agreement concluded with Caliber were not reflected in homeowners online account with XXXX XXXX DELIBERATELY DELAYED AND INACCURATE NOTICE OF TRANSFER : Homeowners are entitled to a minimum of 15 days notice prior to a change in mortgage servicing. Furthermore, such notice must include the name and contact information for the new servicer. While the letterhead date of Calibers notice was XXXX XXXX, the notice was not sent until XXXX XXXX or after, the envelope was labeled as originating with XXXX XXXX XXXX - not Caliber, as would reasonably be expected - and provided XXXX as the future servicer. Homeowners note that XXXX does business as XXXX and has acknowledged as much in prior legal proceedings. However, the purpose of providing notice of a change in mortgage servicer is to alert mortgage holders to any and all changes with the company with which they are doing business. In this case, Caliber provided a misleading company name and sent the notice apparently from XXXX- a company with whom homeowners had not previously done business and had no reason to expect to do business. XXXX then subsequently delayed sending the notice of transfer until more than 15 days after the transfer date, and with no company name visible on the unopened envelope. The notice of transfer was therefore deliberately late prior to and subsequent to the transfer date and misleading in both instances. Noting that the transfer of service has nonetheless taken effect, homeowners do not contest the transfer of service and demand simply that XXXX abide by the law in the future and make any communications not only in a timely manner, but without misleading labels or lack thereof. PAYMENT DEFERRAL AGREEMENT COMPLETED WITH CALIBER ; TERMS APPLY TO XXXX : Despite the deliberately misleading envelope and egregious delay on the part of Caliber, homeowners received and executed the payment deferral agreement by all the terms of that contract in a timely manner. That modification of the terms of homeowners mortgage therefore applies to homeowners mortgage as held by Caliber, and therefore as transferred to XXXX. XXXX has not contested this basic aspect of contract law, but homeowners highlight it given XXXX deliberate delay in applying the terms of the payment deferral agreement to homeowners account. Moreover, the XXXX representatives claim on XXXX XXXX that XXXX terms may be different than those provided by Caliber, as well as XXXX provision of a loss mitigation application package dated XXXX XXXX - two days after acknowledging homeowners mortgage assistance application with Caliber, indicates that XXXX is preparing to attempt to violate the terms of the contract homeowners concluded with Caliber in an effort to force homeowners into terms more advantageous to XXXX. XXXX DELIBERATE DELAY IN PROCESSING TRANSFER OF PAYMENT DEFERRAL AGREEMENT MUST END IMMEDIATELY : Homeowners are entitled to a timely transfer of a loss mitigation solution from one mortgage servicer to another. Homeowners note that timely is not specified in the law referred to above. In this case, XXXX is doing business as XXXX, and Caliber has been a XXXX company since XXXX. Caliber and XXXX are so closely related that Caliber will send letters bearing XXXX corporate name. Homeowners also note that homeowners mortgage account number and online login information are exactly the same for XXXX as they were for Caliber. This is no surprise since Caliber and XXXX are part of the same company and use the same software and databases. The notion that XXXX needs time to transfer account information from Caliber is a fiction. Nonetheless, homeowners were willing to accept the initially presented 14 business day transfer period per XXXX XXXX XXXX e-mail. Accounting for holidays that time was up on XXXX XXXX, and as of XXXX XXXX XXXX had still made no effort correctly apply the terms of the payment deferral agreement. XXXX representatives claimed up to 60 days as the time required during phone calls on XXXX and XXXX XXXX, but there is no definition of timely that would allow for 60 days for two intimately related companies using the same software and databases to transfer information from one to the other. However, there is an important 60 day term that does apply to the transfer of mortgage servicing, and that is the grace period during which homeowners can not be charged late fees after the transfer of the mortgage from one servicer to another. In asserting a 60 day requirement, XXXX XXXX XXXX to wait out homeowners grace period by taking no action to transfer the full terms of homeowners mortgage with Caliber- specifically the payment deferral agreement- in order to apply onerous late fees and otherwise unacceptable terms to homeowners mortgage agreement outside the grace period. Homeowners therefore demand that XXXX apply the payment deferral agreement concluded with Caliber to homeowners account immediately, including correct application of the XXXX XXXX payment. FOLLOW-UP : XXXX required action is explained above in detail. In the event further information is needed, and to notify homeowners of compliance with the above actions, homeowners can be reached at the following contact details, as well as the address given above : XXXX
|
| 02/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On Wednesday XX/XX/2022, a XXXX number came on my phone at XXXX PM. The female caller said she was calling from Caliber Home Loans and requested me to confirm my name, phone number, home address. Thereafter, she proceeded to state the reason she was calling was because my XX/XX/2022 Mortgage Payment was past due, and asked I was ready to make a payment over the phone. I was very shocked to hear that from her. I quickly told her that it could never be true that I have not paid my XX/XX/2022 Mortgage, because I am that person that makes a conscious effort to make online payment on their website before the first day of each month. At the same time while responding to her on the phone, I logged onto my Online Bank account just to confirm if Caliber Homes withdrew the payment in XXXX, and yes my online account showed they withdrew the XX/XX/2022 Mortgage Payment on XX/XX/2022. I informed the female caller that my online account I just checked confirms that Caliber home Loans have debited my account for XXXX Mortgage. She kept reiterating that their system shows I am still owning, and if I don't mind, she should place me on-hold while she tries to connect with her Manager. She placed me on hold for the first time, came back on that her Manager was not responding and that I should call them back. I said no and told her that I was ready to hang on while she tries to reach her Manager by any means. I was on hold for a long time until a Male that claims to be the Collection Manager came on the phone and repeated the same thing that I am owning. Again, I told him that was nonsense, because I make my Mortgage payments even before the first day of each month. He requested to put me on hold again while he reviewed their system. After some time, he came back on and was asking me a phony question if I ever made a reversal to the payment, and that because what he sees on their system is that a " payment came on XX/XX/XXXX, but there was reversal and the money never returned ... ''. I informed him that I have never made any reversal to any payment, and certainly did not do that. At some point while still on that call with him, I started thinking it could be a spam call, even if my phone did not flag it as such. After being on the phone with them for literally fifty minutes, and no plausible explanation coming from them, I asked him to go to XXXX and then ended the call. This I did, because I was close to being sure that it was a spam call.
Immediately, I called the Caliber Home Loans phone number that is on my monthly statement to know if the initial call was a genuine or spam call. And to my utmost surprise, they confirmed that their system shows that I have not paid the XX/XX/2022 mortgage. I was furious at that point and the person that answered my call suggested that I should attach a copy of my bank statement that reflects my payment as an attachment to a message on their website. I sent the PDF copy of my bank statement that shows they collected the payment as a message via their website while I was still on the phone with the Caliber Home Loans employee. In response, he said he was forwarding it immediately to the person ( s ) that is/are supposed to act on it.
The next day, Thursday XX/XX/2022, I was hoping to receive an email or phone call from Caliber Home Loans to let me know they had everything rectified, but they never called or sent me an email. I decided to give them a call on that Thursday to ask about the status of their review or investigation, and the Caliber Home Loans employee I spoke to was even more annoying. He had to repeat the same annoying claim that I still own my XXXX Mortgage, and I reminded him that I had sent a proof of my bank statement the previous day. In response, he said they would get back to me within XXXX, despite my charge to him that if I did not hear from them before the end of Friday XX/XX/XXXX, to confirm they have everything well sorted, I would be using an Attorney to file charges against them for the pains and harassment caused me.
On Friday XX/XX/XXXX, I received an email that I had a secured message from Caliber Home Loans, and that I should access it on their website. My initial thought was that it was a message to inform me that they have finally reviewed and fixed the problem, but to my surprise again and disappointment, when I logged onto their website to read the message, it was just an automated reply that says something like " thanks for recent inquiry, we have forward, this is attempt for debt collection. I was more disappointed that notwithstanding my effort to have sent a proof of payment to them, all I could receive was an automated message after XXXX.
On Saturday XX/XX/2022 Got a call from Caliber Representative in the morning at XXXX PST making false claim again that I am owning Caliber Home Loan XXXX Mortgage in the amount of {$3300.00}.
I later went to the XXXX branch near my home. A XXXX Banker confirmed that Caliber Home Loans has indeed collected payment since on XX/XX/2022 and he made several attempts to speak with someone at Caliber Home Loans on phone, but it was already past XXXX XXXX on Saturday and no one was available. Because of the shocking claim from Caliber Home Loans that I was still owning them XX/XX/2022 Mortgage, and as their website was showing outrageous balance in my name on their website, I decided to issue a check for my XX/XX/2022 Mortgage payment. On Saturday XXXX, 2022, I put a check for my XX/XX/2022 Mortgage payment in the mail to Caliber Home Loans. I made a very conscious effort to write on the Memo that it was XX/XX/2022 Mortgage. It is on record that the check was received and paid to Caliber Home Loans on Wednesday XX/XX/2022.
On Monday XX/XX/2022, I got a call from Caliber Home Loans Representative at XXXX AM PST even when I was trying to start my work. I picked the call and the first thing the caller said was that I should hold while transfers the call to somewhere else. I hanged on and within few secs the call dropped. I never got a callback from her, and I had to call. After keying in all responses to the automated system, I was on hold to speak with someone for more than thirty minutes, and no one answered me. I had to drop and repeated the call for the second time on that morning shortly before my lunch. Again, after a long time waiting on the phone to speak with someone, a Caliber Home Loans Representative finally picked and I asked to know why someone called me earlier. To my surprise again, I was told by the Caliber Home Loans Representative that it was an attempt to collect a debt, and more shocking to me was that for the first time I was now told a different amount, and she stated that the amount I am owning is {$2600.00}. I demanded that she explains to me how they came with such a figure as it makes no sense to me. She requested that she puts me on hold while she reviews my account. I was on hold for approximately forty ( 40 ) minutes, and suddenly the call dropped. I kept thinking she would call back, but never did. I later decided to go other branch of my Bank to again confirm that all payments I have been making to Caliber Home Loans from the very first day until now were indeed paid. Other XXXX XXXX confirmed all payments till date, printed out further proofs from their system, and again made frantic efforts to speak with a Caliber Home Loans Representative to know what their claim is about. The XXXX XXXX was on phone for more than half an hour with no Caliber Home Representative answering.
On Wednesday XX/XX/2022. While still trying to settle for the day work that was an ahead, I missed a call from Caliber Home Loans Representative who left a voice message that I should call them back. I decided to call and when someone at Caliber Home Loans picked my call, I asked to know why they wanted me to call back. She responded that it was an attempt to collect debt in the amount of {$2600.00}. It was at this point that I had to say that she was stupid to tell me that I own them. She replied that she was dropping the call. She dropped. After few minutes, I decided to call Caliber Home Loans because I was really infuriated by their seemingly inefficiency or fraudulent claim. Other Caliber Home Loans picked my call, and she acted like she had everything figured out. Even though I could still perceive some conflicting and nonsense statements she was voicing over the phone, she promised that she was sending a note to some other department to straighten out the account issue, and that I should them 1-5 business days, then check back on their website to confirm my balance is okay. I said okay.
However, little did I know that on this very day Wednesday, XX/XX/2022, Caliber Home Loans for no justifiable reason took my account to Credit Bureaus and reported that I am owning {$6400.00} and that I have a payment that past Sixty ( 60 ) days due. As a result, my credit score has dropped by Sixty-One ( 61 ) points. Caliber Home Loans claim is not only unfounded, unfortunate, but very despotic and fraudulent. It has caused me a lot of pains and troubles. It has disturbed me from being productive for days now, I might be taking legal action against them as I dispute their claim.
|
| 08/31/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Complaint : I state here that My family and I have been harmed by the actions of Caliber Home Loans. What I will outline below has caused us immense stress, loss of savings, loss of Income, loss of credit standing. The actions of Caliber Home loans have also damaged my ability to get my loan back in good standing.
Background, I lost my Job at the start of Covid. My wife also lost her job. Over time I found employment again and my wife took longer to get back to a full time schedule at work. We now have good employment and can make our bills and mortgage. The Covid relief ( Cares Act ) did its job and has been very helpful to get us back on track. I am grateful for the program and Caliber for the help with the Covid Relief Program. Our last month on the relief program ended in XX/XX/XXXX, we made XXXX and XXXX 's payments. I asked to have a Workout/Modification/Solution ( for the purpose of this letter I will call it a loss mitigation workout ) to continue in the home and owner occupy it. I made it very clear I intended to make my payments going forward, and work with Caliber for a workout solution. I was told the workout was in Underwriting and during this process no negative action would be taken with my credit or foreclosure.
Problem, XX/XX/XXXX brought a letter from Caliber Home Loans saying my " Workout/ Modification '' had been denied. After receiving the letter, and carving out time from work, I called back to Caliber customer service XX/XX/XXXX. I made my way up the chain with my concerns to Caliber representative " XXXX XXXX '' in XXXX XXXX, California. I really wanted a modification where the money I owe would have just been added to the balance of the loan and I would pay it off at the end of the loan. That option was denied in the letter received from Caliber. XXXX informed me that it had been denied ( because XXXX or XXXX only allows for 18 missed payments ) and I had ( I believe ) 21. I responded on the call that I understand the rule now you have told me about it, but at NO time had Caliber advised me of the issue. I had not been advised, taught or alerted in my calls seeking information from Caliber on the fact that I would have less options after 18 missed payments. I let XXXX know that I understand the policy now but feel Caliber had not properly advised and missed a duty or fiduciary responsibility to inform me as my servicer. I said to XXXX I can pay the amount of months over 18 and get it down to fix this right now. XXXX promised she would go back to the underwriter and call me in 24 to 48 hours. I worked with Caliber in good faith and XXXX assured me she was working on it.
- During this call I was told, while working on these options and making payments, nothing would be reported negatively and no foreclosure proceedings would transpire while I worked with Caliber on the " Workout ''.
- XXXX also asked me about " Flex '' options, and I told her I was interested and wanted to pursue it. I added though, my favorite options would be to pay my loan down to 18 payments and do the modification. At NO time did I turn down or indicate to Caliber I did not want to work on a flex workout option, or any option.
- I have also come to learn that the cares act rules on the CFPB website outline the following. " Federal regulators have made it clear that if you receive a forbearance under the CARES Act, your mortgage servicer can not require you to repay your skipped payments in a lump sum once the forbearance period ends ''. The denial of my modification is clearly against the rules from Federal regulators.
I did not get a call back from XXXX in 24 to 48 hours. I finally stopped waiting and tried calling XXXX back directly at the ( XXXX ) number she gave me on XXXX, I left a message. I then called back to Caliber customer service on XX/XX/XXXX and spoke with I believe agent " XXXX ''. I brought him up to speed and asked to talk to XXXX. The agent said he was Instant Messaging XXXX. Finally he let me know that XXXX is working on it and would call me back shortly.
- During the call on XX/XX/XXXX, I was never told about pending foreclosure notice OR foreclosure proceedings being filed. I was told it was still being worked on and AXXXX was going to call me back.
- During the call on XX/XX/XXXX, I never turned down any options or gave any indication I did not want to make a payment or a workout. I was consistently working hard for a solution " workout '' with Caliber, and making my payments.
- At this point Caliber Home Loans is clearly providing Miscommunication between us and the lender.
XXXX did not follow up with a call, Voicemail, or email.
Next, I received a letter on XX/XX/XXXX stating that Foreclosure proceedings had been filed by Caliber with Law firm XXXX XXXX XXXX XXXX XXXX, XXXX. The letter was followed up by a call from one of our personal banks " XXXX XXXX '' XXXX XXXX. They received notice of the Foreclosure and immediately froze/closed and revoked our line of credit and took money from my checking to cover the Line of Credit. I can't tell you how hard, humiliating, and painful the effects of this foreclosure proceedings have been for us. Even if Caliber was to somehow roll back the foreclosure, the relationship with my current bank will be ruined going forward. The damage with XXXX XXXX XXXXXXXX XXXX has a downstream effect with creditors, trust, and credit that can't be fixed. This downstream effect has cost lost income and assets from the Caliber foreclosure proceedings being filed.
I called Caliber after the foreclosure news on XX/XX/XXXX. I was assured that while working on a workout and making my payments that Nothing negative would be reported on my loan. I had a sarcastic laugh at that, knowing those same words I trusted with Caliber have led to the current wrongful Foreclosure and financial ruin for my family. I also attempted to make my XXXX payment on time and on that call, the agent told me I can not make a payment while the loan is in foreclosure status.
- Note : At this time I had made my monthly payments on time since exiting the Covid Relief forbearance protection. I had been working for a Loss Mitigation workout solution in good faith with Caliber home loans.
I called Caliber today XXXX because Caliber was too busy to speak to me on Monday XX/XX/XXXX, and Tuesday XX/XX/XXXX, a promised Caliber returned call had not been made to us Tuesday XX/XX/XXXX. I spoke to XXXX " XXXX '', XXXX contacted XXXX again, and XXXX is working on it I am told.
XX/XX/XXXX, I called Caliber to follow up with progress on my Complaints email. I spoke to XXXX " XXXX ''. XXXX informed me that the " Complaints '' email I was given last call to address my complaint was not an active email, and should not have been given out. She said they only interact with mail, ( lucky I sent mail after the complaint email on XX/XX/XXXX ). This is another example of incorrect information they have given me that has caused days on no action while my house sits in foreclosure. XXXX informed me that my loan is being sold to a different servicer. This is very convenient for them while they have not addressed my complaints. XXXX noted that she believes " XXXX '' I have been working with is actually XXXX " XXXX '', she messaged XXXX to respond. XXXX let me know that a supervisor or director has not listened to the calls in question, and nobody is looking into my matter and complaints. I asked XXXX, beyond my complaint letter, how she can escalate this to be reviewed by a supervisor or director, she said she can do that for me.
XX/XX/XXXX, I followed up on my call with XXXX. The call put me in touch with XXXX " XXXX ''. XXXX let me know my Loss Mitigation package has been received. My loan is still in Foreclosure. I asked her if any upper management has reviewed my request again for a review with XXXX " XXXX '' on XX/XX/XXXX. XXXX related that she sees no request for upper management to take a look.
Review : We have been victim of " Miscommunication between us and Caliber Home Loans ''. The Miscommunication has been because of the actions of Caliber Home Loans incompetence. The result of this incompetency has led to a wrongful foreclosure of our house, which is still moving forward. The miscommunication is horrible on Calibers side, but it's so bad it could be " Intentional wrongdoings or fraudulent activity '' by Caliber Home Loans.
Caliber home loans owed us a legal duty and this duty was breached unjustly by the lender ; This breach resulted in injury and damages to us. The wrongful foreclosure resulted in Loss of {$100000.00} line of credit with our home bank, Credit Rating damage, Emotional Damage, Financial Damage. The foreclosure happened 6 days before my daughters wedding. The closure of our line of credit and credit damage effected our ability to pay for the wedding and wedding contracts to pay.
My requests to be made whole and restored by Caliber Home Loans from the damages listed above.
|
| 05/19/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
To whom th
is may concern, We would like to file a formal complaint in the origination of our loan process by Caliber Home Loan. When we ( husband an
d I ) found a house and made an offer (XX/XX/XXXX ), we decided to go with the renovation loan since Caliber provides the products and there were not enough time to shop with other lender.
We were told by the loan officer that the loan will appraise and hold its value. At the time we were thinking ~XXXX. The loan officer later told us that she estimated the value to be between XXXX XXXX. The purchase price was XXXX with renovation estimated XXXX + 10 % contingency fund and fees =~ XXXX We were not told that we need a HUD inspection so we hired an independent inspector to inspect the property onXX/XX/XXXX. We later received an email with the HUD consultant requesting for inspections. I contacted the realtor agent and she confirmed with the loan officer that we did not need an independent inspector. At this point we have paid for 2 inspections ( HUD XXXX on XX/XX/XXXX ) and Independent ( {$290.00} on XX/XX/XXXX ). XX/XX/XXXXwe received a disclosure from the Lender and signed the documents for the estimated closing cost ( {$17000.00} ). We were told its not the final but will need the signature to proceed the process. We signed and returned to the lender. The interest rate was not locked so we requested additional information. On XX/XX/XXXXwe received another disclosure with the interest rate locked and the estimate closing cost of {$18000.00} which have not yet subtracted our credit.
Again, it was not final and were told we need to sign the document to proceed. This was before the actual appraisal amount came in.
We were told to select construction bidding and the remodeling company so that Caliber can process an approval for the contractors. We did all that ( had remodel bidding done XX/XX/XXXX ) before the actual appraisal was completed. We received another disclosure on XX/XX/XXXX but it was an incorrect disclosure. We informed the lender since the disclosure letter hasXX/XX/XXXX date on it. On XX/XX/XXXX - same disclosure was sent. Again we communicated with the lender and was told to ignore the documents, and will have another disclosure. We were still being ensured that the appraisal will up hold the estimated value of the comps properties presented. OnXX/XX/XXXX- we received the invoice for the appraisal and paid the amount of {$500.00}. OnXX/XX/XXXX- My husband called the lender to ask if we should wait for the appraisal figures to come in before we have the contractor come to the property to measure the cabinets for the kitchen. He was told to go ahead, the appraisal will come in. After the conversation with the lender, we met with the contractor to proceeds as usual.
So many times the lender ensured that the appraisal will up help the estimated value. It did not, yet the loan officer did not share the information. After not hearing back from the loan officer for a while, we called the lender to get information. She then sent my husband the actual appraisal documents but did not explain the documents. After talking to my husband, I called to request an update of our loan process and was told that the actual appraisal did not appraised to the amount estimated and that shes trying to present other comparable to the appraiser. On XX/XX/XXXX, via an email, the lender told us that she waiting for the appraiser for additional comps and appeal the appraisal. XX/XX/XXXX- The lender requested more information on proof of incomes to proceeds with closing. At this point, we are still waiting on the appraisal to come back with additional comps. We provided the information ( including 401K statement that was requested ). We mentioned to the lender we will not be using the 401K in this process. On XX/XX/XXXX-We were told, no problem and are on track for closing. On XX/XX/XXXX- We received an email from the lender that stated that we have been approved for the loan. Waiting on the review of the appraisal which would come the following week.
We called to discuss the number as requested by the lender. OnXX/XX/XXXX, we contacted the lender telling them we have not received any emails regarding an approval. We were told that it is coming and still waiting on the appraisal. After the exchange of the email conversation, we mentioned our concern that the comps will not up hold because the house down the street has dropped XXXX from their list price.
On XX/XX/XXXX afternoon, we received a disclosures with new and increased estimated closing cost for the loan ( {$21000.00} ). We signed. We were told that all of the credits had not been accounted for so it would be less. On XX/XX/XXXX- The lender informed us that the appraiser did not hold and it came under the estimated price and the increased of the closing cost was due to the appraisal amount coming under than estimate. I requested all of the documents of the loans from the lender up to date as of XX/XX/XXXX.
When the lender send us the documents on XX/XX/XXXX, the comparable properties used to compare our purchase was almost 100K over our purchase price, they are newer, one of them was 1000 square foot larger and all have partial or full update. Im not an appraiser but by looking at the comps, I would have to agree with the appraiser. Our house was not updated at all, smaller and 15 years older than the comparable properties.
Because it was already too late for us to back out of the loan as we have passed the date to withdraw. If we walkout on the loan, we will default in purchasing the home and will lose our deposit to the seller and the out of pockets fees we have already paid. In addition, we will have to pay the realtor agent the 3 % of the commission of the house sold price, which would have been collected from the seller after closing. The estimated lost would have been ( XXXX Earnest money + XXXX ( appraisal ) +XXXX ( HUD inspection ) +XXXX ( independent inspection ) + ~ XXXX for realtor commission ). In addition, we may be sued by the Seller for breach of contract to purchase.
We went ahead with the loan process since we are in too deep at this point. We provided all documents to the lender to proceeds with closing and just want to complete the process at this point ( XX/XX/XXXX ).
OnXX/XX/XXXX, we received a new disclosure with new estimated closing cost of {$16000.00} which now have included the estimated credits. We signed and returned to the lender. We addressed via phone conversation to the lender that it seems we are missing additional credit for our appraisal and inspection. We were informed my lender that it will be recalculate again and the closing cost will be estimate closer to 15K Our Closing is scheduled for Friday XX/XX/XXXX, as of XX/XX/XXXX, we have not received the disclosed documents for the closing amount. We emailed the lender and inform them that it is due on that day for our review per CFPB ( UDAAP ). Around XXXX XXXX XXXX, we received an email stating the file is stuck in the computer and IT is working on it.
XXXX XXXX XXXX Loan officer called, told us that our closing cost has increased fromXX/XX/XXXX documents of estimated {$16000.00} to {$23000.00} and some change. This is 2 days before our closing date! We have not received additional disclosure.
We requested an explanation but only got as far as the appraisal does not up hold. We told them they had the appraisal for at least 3 weeks.
We tried to work with the seller to drop the price but seller can not agree, they had done every right. As a buyer I agree with the seller as well.
On XX/XX/XXXX- We received a new disclosure from the lender with an increase estimate closing cost of {$65000.00}. We did not received a notification that this was sent in error.
Regardless the outcome of the final closing amount, my husband and I are obligated by the buyer seller contract to purchase the house or risk being sued by the seller.
I have documented all of the email and conversation regarding the process. If anyone need additional information on this process, I will be happy to provide.
I hope my complaints will escalate to review and re-evaluate the loan origination process for future consumers using Caliber Home Loans as their lender. I 'm sadden to think how many more people have been deceived, misinformed, miscommunicated or misrepresented by this process.
Thank you,
|
| 10/08/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Dear CFPB, ( cc : all public complaints websites, Congress, Senate, DOJ, media ) Please find my complaint against Caliber Home Loan , Inc, a sham conduit for XX/XX/XXXX, who poses as a " servicer '' for someone whom Caliber is not able to identify.
On XX/XX/XXXX I submitted an application for a loan with a local company who pretended to be a Lender, XXXX XX/XX/XXXX XXXX.
XXXX in fact was not a lender but impersonator hired by XXXX XXXX ( here : XX/XX/XXXXXXXX XXXX ) to purchase from me a security aka Promissory Note for a mortgage to sell it on the open market as derivatives and unsecured bets to investors.
I was not informed about this secretive transaction and was confident that am buying a loan from a legit Lender.
XXXX, who was not a Lender and not even originator, immediately passed my application to XXXX XXXX XXXX XXXX ( former Lender ; s XX/XX/XXXX XXXX ) and XXXX, XXXX who were the actual originators who passed me a payment for my Note from a table pool operated by Investment Banks where they collect money from sales of unsecured bets from investors. This payment was masqueraded as a " loan '' which I suppose to return with interest as tax-free revenue to investment bank ( XXXX ) PLUS give XX/XX/XXXX a tax-free gift in form of my escrow money.
Based on most recent evidence, neither Caliber or new self-proclaimed " servicer '' XXXX did not pay my property taxes and insurances. It is done by their " tax vendor '' XXXX, XXXX who apparently handles escrow accounts which XXXX manipulates to create bogus deficiencies.
Property Taxes and insurances are also paid from the same table pool from sales of unsecured derivatives backed by DATA about my loan and operated by XXXX XX/XX/XXXX while my escrow money are pocketed by XX/XX/XXXX XXXX XXXX as tax-free revenue.
After the origination or acquisition of the apparent loan transaction ( read : payment for my financial services ), a new player was introduced ( e.g. Caliber ), who claimed to have been hired to service the loan accounts that are apparently owned by someone whom neither Caliber or XXXX or new fake Servicer XXXX is unable to identify. Caliber initially claimed to be the " owner '' of my debt, but changed the ownership to XXXX XXXX ( in whole ). XXXX claims to be a buyer of my loan - but is not able to identify the Seller. XXXX also claims that they collect my payments to pass it to Trustee XX/XX/XXXX who pass them to investors ( aka PennyMac ) which is a lie because my payments are collected and processed by XXXX, XX/XX/XXXXand pocketed by XX/XX/XXXXXXXX XXXX.
Caliber claimed to be a Servicer - but when I asked WHOM Caliber was servicing all this time - they were not able to identify their Client. According to XXXX XXXX XXXX guide, my loan must be pooled in some Trust created by the Lender who issued some securities guaranteed by XXXX XXXX. None of it happened. XXXX never created any Trusts and never issued any securities. XXXX merely took their fees at the closing for posing as a fake " Lender '' - while XXXX never funded or even originated any " home loans '' Caliber MAYBE only partially serviced the account. It might have authority to act as agent for the designated " Trustee '', but the designated Trustee has neither authority or ownership of the obligation. So Caliber is a designated party for whoever is really doing the servicing. That party is in most cases XXXX XXXX or XXXX. In the Chess analogy XXXX XXXX is the XXXX who serves its masters ( investment banks ) and is willing to sacrifice itself and the self-proclaimed servicers to protect the King ( investment bank ).
This means that all records, payment history and document handling does not originate with Caliber ( much less with XXXX ), but rather with XXXX XXXX and XXXX, who are actually answering to an investment bank who receives both proceeds from homeowner payments, all escrow money and proceeds from illegal foreclosure sales. And the investment bank receives it as off balance sheet transactions that are actually revenue that is untaxed.
On XX/XX/XXXX Caliber ( read : XXXX XXXX ) assigned " servicing '' of my loan to XXXX who claimed to be a " buyer '' ; " owner '' ; " servicer '' of my loan and even " issuer '' of securities backed by my loan.
All of it are lies.
In reality, XXXX stole information about my loan from XXXX XXXX XXXX XXXX and posed as a Servicer to deceive me about the real parties - XXXXXX/XX/XXXXwho pocket my payments and escrow money ; and their REAL servicers - XXXX XXXX and XX/XX/XXXX whose duties are to cover up this biggest economic fraudand push homeowners in foreclosures.
According toXX/XX/XXXX XXXX XXXX letter to Supreme Court in XXXX (! ), ALL loans are destroyed at origination. See attached. See also XX/XX/XXXXdocument shredding procedures how original loan documentation is destroyed after it was imaged by XXXX XXXX who later present reconstructed " Notes '' misrepresented as " originals '' in illegal foreclosures.
Investment Banks plan could work only by destruction of the original loan documents. If they needed an original they would create it.
When the attempt to name MERS and the servicers as the real parties in collections - but specifically foreclosures - failed utterly, the banks pivoted to saying that indeed there were XXXX XX/XX/XXXX and that they owned the loans an assertion that was as untrue as the same assertions for MERS and the servicers. In order lend credence to the newest lie they hired banks like XXXX XXXX XXXX XXXX to pretend that they were trustees for the XXXX trust an assertion that was and remains wholly untrue. XXXX never confirmed to me that they actually handle my loan entrusted to them by (??? ) an unknown Trustor That gave the action an institutional flavor and judges started allowing the collections and foreclosures to proceed without any knowledge as to whether the trust existed, whether the debt existed and whether anyone had the right to enforce the debt, note or mortgage.
Since I am a current on my " obligation '' ( a non-existing debt to non-existing Lender on payments that were apparently due on what turned out to be a nonexistent obligation ), the response is always zilch. No answer.
So I arrived at the conclusion that the documents did not exist and had been shredded contemporaneously with the loan closing, which makes perfect sense if people are willing to trade on images instead of the real thing. Banks can always print more images and sell them.
Neither Caliber or XXXX, who fail to answer a basic question - who sold them my loan and who currently has my loan as an asset, do not perform ANY servicing functions for he following reasons.
First, here is nobody for Caliber or XXXX to service.
Second, nobody needs Caliber or XXXX 's services. All payments are collected and processed by XX/XX/XXXX who have lockbox agreements with XXXX XXXX and XXXX. All money, including escrow, are pocketed by Investment Bank. XX/XX/XXXX who has no Trustees duties since here are no Trust where my so-called " loan '' was pooled, never distributed any payments to any investors. Interest on investors unsecured Certificates are paid by Investment bank from their operating pool which is consisted from Investors ' own money ( aka Ponzi Scheme ).
Taxes and insurances are paid by XXXX from the same pool, not from my escrow account which was never established.
Third, without XXXX XXXX 's XXXX and XXXX neither Caliber or XXXX can not do ANY servicing. After XXXX was removed from the XXXX, XXXX, who always handled tax payments, had to reveal themselves as the real party who is servicing about {$39.00} billion of so-called loans.
I am entitled for FULL disclosures and compensation for damages ; and I demand Caliber to identify the Company ( not XXXX XXXX at large ) whom Caliber was servicing from XX/XX/XXXX to XX/XX/XXXX ; and provide me the name of the Seller of my loan to XX/XX/XXXX, along with a lien release provided to Caliber by XXXX after they purportedly PURCHASED my loan.
I demand XX/XX/XXXX to disclose which Trust holds my loan and where and when I can stop by at XX/XX/XXXX custodian 's office to review ORIGINAL documents - such as my Promissory Note and Mortgage - along with releases of all liens from each purported sale of my loan.
|
| 08/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Hello, I am a Caliber Home Loans client. This is a description of the timeline that has led up to the automated system discrepancy within Caliber Home Loans mortgage company, that has resulted in false late payment delinquency and false impacts to me and my wifes credit score. Although I had been fighting to get this issue resolved since XXXX of XXXX with Caliber directly, I only became aware by a caliber agent in XX/XX/XXXX that the reason the issues began occurring was because I used my banks Bill Pay method to deposit money into escrow, same as I do when I submit my mortgage payment. As per caliber, funds going directly to escrow should be done off of their site. Again, something I was not made aware of until XX/XX/XXXX. You can follow along with the description below in payment/amount detail by using the attached excel spreadsheet providing a full break down of my entire payment history with Caliber since the purchase of my home.
Our home purchase through caliber was finalized on XX/XX/XXXX with the first mortgage payment due on the XXXX of XX/XX/XXXX. By the time XX/XX/XXXX came around, we decided to obtain our property insurance through a different company. Unfortunately this was completed fairly close to the deadline resulting in Caliber both paying the new Insurance company premium ( XXXX XXXX XXXX ) and the premium for the existing insurance company we had at the time ( XXXX XXXX XXXX = {$2200.00} ). This is the period where the issues began occurring. I became aware of the double payment and began working to get refunded the amount to return to escrow. Unbeknownst to me during this same period, Caliber had received a notice that my property tax was due in XXXX and paid it out to avoid any delinquency with the state, as per their mortgage security guidelines. However, the title company that I used during the purchase back in XX/XX/XXXX also paid my property tax, as they were supposed to. This left my escrow account over {$7000.00} short in funds. Since I was under the assumption that my taxes would be handled through my mortgage company escrow, and this being the first time I purchased a home, I was unaware that the title company was supposed to pay out the taxes at the end of the first year. Supposedly this occurred because of how close I purchased my home in contrast to the period that the annual taxes were due.
I became aware of the double tax payment when I attempted to return the funds for the insurance company premium ( {$2200.00} ). When I called Caliber to ensure the funds were applied to escrow directly, I was notified that my mortgage payment had gone up from {$2200.00} to {$2700.00}. This in turn caused {$550.00} to be removed from my insurance premium refund and got applied to the difference in the new mortgage amount. As soon as I became aware of this, I immediately deposited the difference of {$550.00} into my caliber account to ensure that my new monthly mortgage payment was fulfilled in its full balance and continued to be on time. Knowing that my monthly mortgage amount could not be reduced back down to normal range until my escrow was close to its original amount, I started my efforts to get one of the double tax payments refunded to return to escrow. While this was occurring I had been continuing to make calls on a weekly basis to caliber to ensure everything was getting allocated correctly. Unfortunately however Calibers workflow limits their customer service agents to be able to make any adjustments or corrections. This resulted in notes or request being made by them to resolve the misplacements of payments, to no success.
In XXXX, once I was able to get the tax funds returned, I deposited {$5000.00} to my caliber account in order for it to go directly into escrow. At this point I had returned a total of {$7200.00} in order to replenish my escrow account specifically. Once I was able to call caliber and get an agent to allocate the funds to escrow, I placed a request to get my monthly mortgage amount re-evaluated to return my mortgage payment back to its normal range. I continued to pay the elevated amount of {$2700.00} up until the XX/XX/XXXX payment was due, always on time without missing any payments. By this point I was made aware that my new monthly mortgage amount was set to {$2400.00}. When this re-evaluation occurred, the automated system determined that there was an overage in my escrow and refunded me {$730.00}. I figured this was a mistake but decided to hold these fund until the discrepancies in my account were correct to avoid further funds being misplaced.
What I was not aware of was that in the background, the automated systems within caliber had been allocating the funds I was submitting to where it felt it should belong. When I was placing the request with the agents to allocate the fund into escrow, it in turn pulled it back from my monthly mortgage payment, or so the automated system thought since thats where it chose to allocate the funds out of. This is the point that I had realized and was notified by an agent that the automated system had been allocating fund incorrectly since back in XX/XX/XXXX that my mortgage payment jumped up. Since the customer service agents can not make corrections, more notes and/or request were placed to make the correction to no success.
By the time XXXX of XXXX came around, I began noticing from the caliber portal that my XXXX payment had not been acknowledged and was showing as late. When I looked deeper into the history on the portal, I was able to see that since XXXX, Calibers automated systems had been taking my payments as late since it thought I was always a month behind. However, I have never missed a payment nor been late up in my entire history with caliber since purchasing my home. I was finally able to get in contact with a manager, who stated he was going to get with the department that can make the corrections while I waited on the phone. After almost an hour on hold, he returned to notify me that the other department only acknowledged what the automated system was stating, and that I in fact had to deposit more money to be caught up correctly. After I briefly described to him that it wasnt true, he agreed and mentioned he would get back to me after working with them further, but had to drop because of the amount of time he had kept me on the phone. Before he hung up I mentioned to him that I would not mind returning the overage amount from escrow, but refused to refund the amount they were requesting because I knew that amount would only fulfill what their automated systems thought was correct. This in fact would not help resolve the damage they had already created on my credit score by failing to get these items resolved since the end of XXXX.
Due to the process within Caliber to get items resolved, the only folks who took the time to thoroughly look at all my payments and cross reference the dates are the customer service agents. All of which agreed with me that there definitely was an issue. However, as usual, all they could do is put a note or request, which always resulted in a mistake occurring because of the automated system discrepancies. Multiple attempts to get the same manager involved, or get in contact with another manager was never successful. As per the customer service agents, a manager was never available and their rules state they can not keep me on hold for more than five minutes, and agents could not just dump me into a queue for managers. This issue needs to be remediated retroactively so that my incorrect delinquency can be corrected and reported back to the credit bureau. Its not fair that these items that were out of my control has in turn caused me to bear the consequences when in fact I have made every effort to get my escrow resolved and have never failed at making my payments, even when the amount shot up over {$600.00} from where it should have been when the issue first began. I hired a lawyer to help get this resolved, in which they fought with caliber for months to try and get it fixed. At the end, Caliber refused to acknowledge the mistake and have continued to harass me with collection calls even though I continue to make my mortgage payment on time and in the full correct amount.
|
| 08/30/2022 |
Yes |
|
|
|
Web |
|
|
Companies : Mortgage Broker : XXXX XXXX Corporate Office : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Company NMLS # XXXX Contacts : XXXX XXXX, Broker Owner Loan Originator NMLS XXXX ( XXXX ) XXXX XXXX XXXX XXXX, Loan Processor Office : XXXX Direct Phone Number : ( XXXX ) XXXX Fax : XXXX XXXX XXXX XXXX, Operations Manager Call & Text : XXXX Office : XXXX Fax : XXXX XXXX Caliber Mortgage XXXX XXXX Caliber Account Services ( Worked directly with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX House Timeline : XX/XX/XXXX & XXXX Prequalification and soft credit pull by XXXX XXXX XXXXXX/XX/XXXX application started with XXXX XXXX XX/XX/XXXX Pre-approved for loan XX/XX/XXXX Signed contract for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for full {$970000.00} XX/XX/XXXX Caliber Loans sends Closing Disclosure Sale price {$970000.00} / Loan amount - {$950000.00} / 3.55 % Interest Rate / cash to close {$51000.00} / monthly pymt {$5800.00} XX/XX/XXXX XXXX XXXX Appraisal ordered ( paid by buyers ) XX/XX/XXXX XXXX XXXX received {$10000.00} Escrow deposit XXXX XXXX Appraisal came back at {$850000.00} XX/XX/XXXX Buyer sent appraisal rebuttal XX/XX/XXXX Caliber sided with appraiser and denied our appraisal rebuttal or order a new appraisal ***around this time we found out that FHA would not allow the purchase of the home due to the seller purchasing the property in XX/XX/XXXX. This is direct violation FHA 90 day rule regarding selling a property within 90 days of buying it. This allowed us to enter a new contract with the seller to be after the 90 day waiting period. At this time Caliber canceled our rate of 3.55 %.
XX/XX/XXXX entered new contract for the home sale price {$970000.00} XX/XX/XXXX Caliber sent closure disclosure ( Note : Caliber would not honor the previous rate of 3.55 % ) Sale Price {$970000.00} / loan amount {$950000.00} / Interest rate 4.25 % / cash to close {$61000.00} /monthly payment {$6200.00} XX/XX/XXXX Caliber sends Mortgage Loan Disclosures ( dated again XX/XX/XXXX ) XX/XX/XXXX Caliber sends Revised Mortgage Disclosures Dated XX/XX/XXXX Sale Price {$970000.00} / loan amount {$950000.00} / Interest rate 3.99 % / cash to close {$68000.00} /monthly payment {$6100.00} XX/XX/XXXX - Caliber sends Revised Mortgage Disclosures Dated XX/XX/XXXX Sale Price {$970000.00} / loan amount {$950000.00} / Interest rate 3.99 % / cash to close {$51000.00} /monthly payment {$6100.00} XX/XX/XXXX New appraisal comes back at {$940000.00} with contingencies : House needs to be scrapped and painted Mold needs to be removed from basement Holes walls need to be repaired Replace broken windows Replace missing outlet covers Remedy exposed wires in ceiling Outside door needed painted Clear out debris in crawl space XX/XX/XXXX - Caliber sends Closing Disclosures Dated XX/XX/XXXX Sale Price {$970000.00} / loan amount {$950000.00} / Interest rate 3.99 % / cash to close {$60000.00} /monthly payment {$6000.00} XX/XX/XXXX Buyer and Seller sign an Addendum to the sale prices to {$940000.00} and buyer will pay to have the requirements fixed to pass FHA appraisal and send to XXXX XXXX.
XX/XX/XXXX XXXX XXXX sends Closing Cost Worksheet XX/XX/XXXX - Caliber sends Revised Closing Disclosures Dated XX/XX/XXXX Sale Price {$940000.00} / loan amount {$920000.00} / Interest rate 3.99 % / cash to close {$65000.00} /monthly payment {$5800.00} XX/XX/XXXX - Caliber sends Revised Closing Disclosures Dated XX/XX/XXXX Sale Price {$940000.00} / loan amount {$920000.00} / Interest rate 3.99 % / cash to close {$69000.00} /monthly payment {$5800.00} XX/XX/XXXX I informed XXXX XXXX of a {$3000.00} gift from my parents to use towards closing costs XX/XX/XXXX Appraiser came to inspect requirements and signed off of the on FHA appraisal XX/XX/XXXX I received a Gift Letter form from XXXX XXXX ( XXXX ) to have my parents, myself and XXXX complete XXXX
XX/XX/XXXX XXXX XXXX requests to see bank statements that show cash to close and statements of accounts that were required to be paid off before closing.
XX/XX/XXXX we are on a trip to XXXX and driving in the car.
XX/XX/XXXX - NOTE XXXX XXXX informs us that our rate of XXXX will expire at XXXX on XX/XX/XXXX. All documentation needs to be to them no later than XXXX and they needed more information.
XX/XX/XXXX XXXX XXXX emailed XXXX to request an extension XX/XX/XXXX all documents were submitted and accepted and under final review at XXXX.
XX/XX/XXXX we received the clear to close XX/XX/XXXX Caliber increased our interest rate from XXXX to 5.75 % ( with us paying credits to get it down to 4.45 % ) stating our rate expired.
XX/XX/XXXX I called XXXX and talked directly to XXXX XXXX. I explained the situation and tried to see if there was anything that could be done. He told me : Since our rate expired, our mortgage broker should have requested an extension : o He then backed tracked and said XXXX XXXX did send the request ; however it was later in the evening and he had gotten XXXX XXXX and wasnt able to read the request to process.
o Also stated that if XXXX had cancelled our rate, they had 15 days to reinstate at the same rate ( see XXXX when XXXX refused to honor the 3.55 % rate when they cancelled our rate and we entered back into a contract within the 15 day window ) o We were told from our new lender, that XXXX was able to extend the initial rate of 3.99 % for one day ( especially since we had the clear to close ) and refused to honor the rate as the rates had jumped more than a point.
o XXXX then said he would talk to a manager and call me back. He did call about XXXX mins later and told me if we could make {$53000.00} to close and {$6100.00} a month he could make it happen. He then got a message while on the phone and said we would still be charge a fee for something ( he mumbled the name ) and said he would need to call back.
o XXXX never called back. This was the Friday before XXXX observed weekend. Monday the office was closed as I tried to call twice. Tuesday I tried to call and my phone number was blocked. I could call from my husbands number but I only got a voicemail.
XX/XX/XXXX Caliber sends Revised Closing Disclosures Dated XX/XX/XXXX Sale Price {$940000.00} / loan amount {$920000.00} / Interest rate 4.45 % / cash to close {$53000.00} /monthly payment {$6100.00} Note closings costs were {$68000.00} and our case to close is $ XXXX less as they took that amount out of the Mortgage Brokers commission.
XXXX XXXX wouldnt sign off of this because they would not get paid.
I called a Lawyer to seek council on what to do, I was told to secure new lending and get the house and then given a name to call. The lawyer I was referred to had a large case load and referred me to Civil Justice which referred me to you.
We found new lending and tried to close within 2 weeks ( est. closing XX/XX/XXXX ) ; however, Caliber wouldnt transfer the appraisal or the FHA case number in a timely manner ( 5 business days ). The FHA case number was finally transferred, however, Caliber checked a box NO when transferring the appraisal. We paid for two appraisals with Caliber Loans, so no money is was owed. And the XML appraisal document was uploaded in the transfer portal, however, the checkbox needs to be changed in order to move forward. The new lender ( Guaranteed Rate Affinity ), has been trying for over a week to get the checkbox changed and no one has answered the request. We finally received an exception from FHA to move forward and closed on XX/XX/XXXX a month after the initial closing date. Caliber loans dragged their feet to transfer both the case number and the appraisal. Our lease was up on a rental on XX/XX/XXXX. We had to extend our lease to have time to move out.
This process and the shady practices by Caliber Loans has cost us over {$20000.00} in extra closing costs and storage costs.
|
| 05/30/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Copy of Email to Caliber Home Loans : I have called. I have sent message via your secure Message Center. I have sent emails. The last communication I had, I was guaranteed that someone at a Manager/Supervisor level would contact me Im still waiting. I have continued to request information in a format that I could actually use instead of a big form letter and printout of my payment history, yet that is all I continue to receive. Things to note : I have never received a communication regarding a change in my monthly payment amount although it appears to have changed Documentation pulled from the Caliber Website doesnt match what I received in the mail on paper I can assure you that the payment amounts and dates on your records were never sent in those amounts or on the dates recorded. Therefore, I assume that you dont really track the actual payments, only your application of money while you continue to Curtail, keep unapplied funds, etc. At some point, I set up Auto-Pay from my bank account on a semi-monthly basis. At that time, I was required to be paid a month ahead and was told that this would make it so that my payments applied correctly, which they never have since. I have been charged fees, had negative information sent to my credit report, and continued to have issues since. At this point, I have cancelled the Auto-Pay and will pay on a monthly basis once the account is corrected on the Caliber side, all payments are applied correctly, all fees refunded, and all derogatory information corrected with the Credit Bureaus. I am requesting that all of this take place within the next 7-10 working days and that I receive confirmation in writing via email and postal mail. I have since figured out that your system really cant handle the split payments and that this is the cause of the issues on my account. Better late than never, I guess for a long time, I didnt even realize what was going on because I had started out ahead, and the payments were coming out as expected. It wasnt until I started getting all the notices of my payment being past-due that I figured out something had gone wrong. I even spoke with someone who said they would fix it and there were a few late fees, etc. reversed, but I now know that if I continue to try and pay on a semimonthly basis, this will keep happening. I need you to correct my account ASAP and then I will handle the payments monthly myself go-forward. I combined the paper history I received with an extract of payments from your website ( could only go back to XXXX of XXXX ), and my own records to come up with the summary below. I have a detailed spreadsheet of all of this information and have sent it more than once to Caliber with not so much as a reply. If someone needs this information after reviewing my email, I can provide however, you shouldnt, and I shouldnt have to continue to do your work for you. Instead, you should just make the corrections I am requesting and let us all move forward without more time wasted on this item that Im sure is small in comparison to the rest of your book of business. At this point, I am not asking for any additional compensation for my time and for the frustrations I have encountered but if this continues to drag out and I am forced to spend even more time on it and possibly even involve an attorney, etc. then I will do so. I have no desire for this to get any uglier than it already has. I just want you to XXXX/true-up my account and let me stop stressing over this! My loan began in XXXX of XXXX with the first payment made by me to Caliber starting in XXXX of XXXX. Prior to that, there was a Loan Transfer from the previous mortgage owner, I assume. That means that, if you include this month ( XXXX, XXXX ), there have been 31 months of payments due. My original monthly payment was {$2000.00} and from what I can figure out from all of the documentation, this amount lasted for at least 15 months. After that, your payment history gets very confusing beginning in XXXX of XXXX until XXXX of XXXX when I can see the regular semi-monthly payments totaling $ XXXXmonth start. Therefore, my numbers could be a bit off but I even slanted things toward the higher payment and assumed 15 months at {$2000.00} and 16 months at {$2200.00}. This is generous and probably not exactly correct, but with all the changing amounts being applied to Escrow, Principal, etc. there was no way for me to know for sure what the payment was supposed to be for each of those months. Using the payment amounts above, the total payments that should have been made for the duration of the 31 months is {$66000.00}. As stated on your website, my monthly payments should be applied to Principal, Interest, and Escrow only. Taxes, Insurance, etc. would come out of the Escrow account. I based the final numbers on your paper report, because my bank account and the Caliber online system could only go back so far. Depicted in the table below, you can see that my payments total {$63000.00}. If you add in the initial Loan Transfer for the month of XXXX, XXXX then the total payments received are {$64000.00}. I also added back in the credits for the net fees I have been charged due to Calibers errors for a grand total of {$66000.00}, which is {$13.00} MORE than my HIGH estimate of monthly payments for those 31 months. Any of the payments that were applied incorrectly, held so that you could make money on the float, or put toward fees need to be re-directed to my Principal, Interest, and Escrow as they should have been in the first place. Once complete, I will pay {$2200.00} for the month of XXXX, XXXX. Additionally, all negative information on my credit report needs to be reversed immediately so that I can re-finance this mortgage and hopefully change mortgage companies to somewhere that wont give me migraines. I would think that my payment would be adjusted as amounts in Escrow, taxes, etc. change but have never received information regarding this. If I have the monthly amount incorrect, please let me know. Currently, your website is showing the monthly payment as {$2200.00} with {$1400.00} going toward Principal & Interest and {$750.00} to Escrow. Interestingly, the Escrow amount went from {$570.00} to {$830.00} for about 5 months, and then to {$750.00} in XXXX XXXX XXXX. That is confusing too, but even more so the fact that the amounts to Principal & Interest fluctuate almost monthly throughout the life of the loan. I am beyond trying to make sense of it at this point and am a fairly intelligent person so doubt that I am the only one that is confused. I also dont care if the only way your system works with split payments is to curtail, apply to unapplied, apply fees, reversals, etc. Had I known that was the case, I would have never set up my payments in this manner and now Caliber needs to go back as if payments were made in the full monthly amount on time for all months back to XXXX XXXX. I also have a very busy job, travel frequently, and am in client meetings often. That being said, I would greatly appreciate just a quick confirmation that you got my message, have done as asked, and that I can log into your website to confirm that my account no longer shows ANY past due amounts. I also ask for written verification of your communication to the Credit Bureaus stating that any negative information was in error. However, if you must drag this out further, I would also ask that you send as much communication as possible through email so that I dont have to continue sitting on hold or trying to explain things once again over the phone. Monthly Payment Amount :
|
| 04/23/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Dear CFPB, Please find my complaint against Caliber Home Loans , Inc. ( Caliber ) for deceptive business practices, failure to communicate on financial terms ; and possible unlawful trading of unregulated securities using my home, my name, my signature and my reputation without any disclosures or my consent.
In XX/XX/XXXX I signed a mortgage loan XXXX with XXXX XXXX XXXX ( XXXX ) who offered me monthly payments of {$890.00}. The Loan Disclosure Statement never mentioned that my loan will be converted into numerous securities and simultaneously resold many times as a number of separate trading products, like derivatives.
In XX/XX/XXXX XXXX sold my mortgage to Caliber who started manipulating with my mortgage payments shortly after accrued the loan, which I suspect was sold and resold many times behind my back, without any disclosures or my consent.
It is not a secret that after the loan closing the debt is split up into many pieces to create the fake securitization scheme. Banks make at least $ 2-3 million trading profits on each {$100000.00} loan by secretly reselling the same loan multiply times without any disclosures to the homeowners or sharing any benefits from trades, via empty nonexistent trusts represented by a trustee with no trustee duties and a servicer whose authority derives from the nonexistent trust. Those trading profits derived strictly because they were trading on the signature of the borrower, together with the borrowers home, name and reputation, without disclosure to the borrower of compensation to be received arising from the origination of the loan and without consent from the borrower to trade on his/her name. The entire scheme depends completely on concealing the fact that the loan is the cornerstone of a much larger scheme wherein the players are going to make money in multiples of the amount loaned. In fact, borrowers, like myself, who signed papers were in fact unknowingly issuing unregulated securities for the sole benefit of investment banks.
I am not surprised. Calibers Chief Executive Officer Mr. XXXX XXXX previously worked with XXXX XXXX ; and served as the Chief Executive Officer and President of XXXX , XXXX since XX/XX/XXXX until XX/XX/XXXX. Mr. XXXX worked with XXXX 's global securitized markets business. He served for several years for XXXX XXXX and was involved in institutional securities marketing at XXXX XXXX. He served as Managing Director at XXXX XXXX XXXX XXXX ( Equities ) Division.
According to XX/XX/XXXX Report from a House Financial Services Committee, XXXX XXXX and XXXX are still involved in the wide-spree crime scheme, which particularly included mortgage-backed securities fraud, and illegal derivatives trading.
Based on Calibers servicing activities on my loan, and negative reviews from other customers, I am highly suspicious that Caliber is involved in similar transactions.
From the beginning of its servicing activities Caliber systemically violated their duties to disclose and refused to communicate with me when I specifically ask for explanations about payments changes.
After several months of {$890.00} payments, Caliber reduced my monthly bill to {$790.00}, without any explanation about this change.
On XX/XX/XXXX Caliber sent me an Annual Escrow Account Disclosure Statement where they said that my new monthly payment will be {$1000.00} due to escrow shortage while none of my mortgage terms or other payments were not changed. It is a well-known Escrow Shortage Scam conducted by Servicers to accumulate additional funds for their benefits by unjust overcharging customers. In my situation, the difference between my actual mortgage payment with principal and interest is only {$600.00}, while Caliber tried to collect from me {$1000.00}, which is almost two time more.
I tried to communicate with Caliber about this shortage without any accord, so I had to submit a Complaint with CFPB and Caliber reduced my monthly statement from {$1000.00} to {$950.00} again, without any explanations.
In XX/XX/XXXX I received two important documents from FEMA and Countys Tax Assessors office which significantly reduced my escrow balance. FEMA sent me a Map Amendment Letter which allowed me to remove {$1100.00} for flood insurance ; and The Assessor reduced my property taxes as a veteran.
On XX/XX/XXXX I sent a letter to Caliber, along with supporting documents, asking to remove these charges from my mortgage bill and adjust my escrow. My monthly statements are usually coming on 11th of each month, so Caliber had plenty of time to recalculate my payments for XX/XX/XXXX statement.
Caliber never acknowledged the receipt of my letter, failed to make adjustment, and continued to charge me {$950.00} in XXXX while Flood Insurance much be removed.
On XX/XX/XXXX I sent a second letter to Caliber, again asking to adjust my escrow. Caliber failed to respond or acknowledge receipt of my letter but reduced my monthly statement to {$850.00}.
The flood insurance was {$1100.00}, which is {$98.00} per month. Caliber calculation of {$950.00} - {$850.00} makes it {$95.00} per month, which they deducted from my escrow, which is {$2.00} difference, in favor of Caliber of course. This is a small amount of money, but if Caliber has at least 100,000 customers and regularly overcharge them by at least by {$2.00}, it brings Caliber a handsome unearned profit of {$270000.00} per month, just by manipulating borrowers escrow funds, besides overcharging me by {$98.00} in XXXX, when Caliber knew that FEMA flood insurance was removed but still charged me for it anyway.
On XX/XX/XXXX I again sent Caliber a letter asking to explain, itemize and recalculate my escrow account.
As of today Caliber refused to communicate with me and never responded to my request numerous for explanations and itemization of payments. Calibers relentless overcharges and manipulations with my loan which put me under constant stress and undue intentional and negligent infliction of emotional distress I paid a substantial amount in closing costs and will pay about {$90000.00} to use this mortgage ; so I am entitled to be informed about all operations conducted by lender and their representatives, including the full disclosure of terms under TILA.
I respectfully request CFPB to order Caliber to disclose me following information, as required by TILA : 1. When my loan was converted into a security and why they never provide me any disclosures or asked for my consent ; 2. The name of the XXXX XXXX which currently holds my mortgage and Note as a security instrument ; 3. The name is the current Trustee for the Trust ; 4. Copies of valid registration with SEC and IRS ( Pub 938 ) ; 5. Copies of a valid Pooling and Servicing Agreement for ALL Trusts who ever held my loan as a security.
6. How many securities, derivatives or other products were created based on my loan, my home, my name, my signature and my reputation ; 7. How many times my home was resold as securities ; to how many investors ; and how much profits Caliber and other parties received from trading on my loan, my house, my name and my reputation.
8. Why Caliber never made any disclosures regarding converting my home into a security and about compensation they received from trading 9. How my mortgage payment was calculated and why Caliber refused to adjust the escrow amount according to recent changes in FEMAs insurance and taxes.
10. Order Caliber to refund me any overpayments on my escrow ; disclose amount of trading profits ; and pay me a fair share from their
|
| 12/08/2017 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
Step 1. The complaint is about 2 issues. Issue number 1. Delinquent taxes that Caliber had not paid from XX/XX/XXXX through XX/XX/XXXX that carried over through XX/XX/XXXX. Issue number 2. Since I could no longer refi my house using the VA streamline with the company I initiated the process, I tried to refi with Caliber Home Loans my existing lender. The problem was Caliber took so long at least 37 days to send my delinquent taxes to XXXX County Tax office, the rate that was offered to me was no longer available. I could not afford to bring the {$4000.00} to the closing table and pay my own taxes, so my refi did not go through.
During all this time I received several calls from Caliber Customer service telling me they received a payoff request and they wanted to see what they can offer. I told one lady I was offered 3.25 % and we were waiting to close. So one department does not consult with the other knowing my taxes were delinquent.
Step 2. It took almost 37 days for Caliber to pay my back due taxes. On XX/XX/XXXX I called Caliber tax Department ask them to send in my taxes to XXXX County Tax office in an overnight package. This did not occur, they sent the checks via U.S. Mail when I asked for the checks to be overnighted. On XX/XX/XXXX I was notified that there were late fees and penalties that had been accrued and were not my fault but will be paid for by Caliber. After a week of contacting XXXX County I called Caliber back and discovered that the checks werent actually sent until XX/XX/XXXX. It took Caliber 10 business days to make a decision about paying penalty fees, and then the checks were sent U.S. Mail. I was told that by their customer service in the tax office that the checks would arrive in plenty of time before XX/XX/XXXX and be posted to XXXX County Tax office. I do n't know who made this idiotic decision, because it cost me my refi and having my payment increase.
Step 3. It took Caliber 10 days to approve the penalties and fees before they actually sent the check for taxes and fees with no tracking number, no registered mail, or no way to located the package. By XX/XX/XXXX still no checks have arrived. By now half of my day is spent on the Phone on hold with the XXXX County Tax office or on hold with the Caliber tax office waiting to speak with a supervisor after being transferred several times and having to first identify myself and property address, then explain the whole failed attempt of having my taxes paid. Each time being reassured that checks would post on time.
By now my refinance is on hold because the past dues taxes have not been cleared. This would mean I would have to bring {$4000.00} to the closing table and pay for my own taxes in order to move forward on a VA loan. My loan could not be locked because of this tax delay and rates kept getting worse. On XX/XX/XXXX I spoke to another supervisor who agreed that the checks should have been overnighted from the beginning. By this time the checks could not be located and there was no way to track their location. The taxes with fees were due in full for XX/XX/XXXX and XX/XX/XXXX this time both showing as delinquent.
A new set of checks had to be reissued and sent overnight to XXXX County Tax office. Again I was reassured by XXXX XXXX that the checks would be sent to the county and the fees would be applied on time. The checks did finally arrive at the XXXX County tax office. However, the taxes were still showing delinquent as of XX/XX/XXXX. It was then brought to my attention that on XX/XX/XXXX, the late fees and penalties were being rejected by the county. So I then had to call the county and ask why? Then I had to call Caliber again to ask about the fees being rejected which took place on or about the XX/XX/XXXX. During this time, a supervisor had the audacity to say that another check was made out for the late fees and was sent by U.S. Mail again. So even though this was a time sensitive issue and the Caliber tax department knew of my situation trying to refi my home and needing the taxes cleared, they sent the penalty check by US mail with no tracking number again.
Step 4. Caliber Home loans is the Company involved.
Step 5. Any names of Supervisors that I spoke to are logged in their system at the tax department. THey can not lie about any of the incidents that took place because every call was recorded, and phone call logged with notes. I do recall speaking to 3. XXXX XXXX from the tax department. XXXX XXXX from the Refi department. Clints immediate Supervisor, and finally XXXX XXXX from Customer service at Caliber.
In conclusion, Caliber Home loans has shown complete disregard for me as a customer and for my basic requests of having my delinquent taxes overnighted or matching or beating the rate that was offered to me when I was in the middle of my refinance. There were several requests to have the taxes overnighted to avoid further delays in closing my loan and accruing any more late fees for my delinquent taxes. To add further insult to injury the late fees were sent again on XX/XX/XXXX via U.S. mail without any notification from Caliber nor phone call. At this time my taxes were already showing over due again for XX/XX/XXXX and XX/XX/XXXX. Only with the threat of a complaint filed to the CFPB by me did they cancel the checks already sent out and Overnight them to XXXX County Tax office.
Caliber exhibited very poor communication throughout this entire ordeal. It has been 1 week and XXXX XXXX has still not called me back to tell me what she discovered in her investigation of the situation.
The only time someone from Caliber called me about my Delinquent taxes was on XX/XX/XXXX. When the 2nd set of checks was finally overnighted to XXXX County Tax office. This was 3 days prior to the delinquency date of XX/XX/XXXX. Even though the checks were sent, they were late and the penalty check was rejected and my taxes could not be cleared. This is when a decision was made to have another check sent to clear the penalties but again it too was sent U.S. mail. The other calls I received were from the Collections department asking me when am I going to make my payment? I also received a call from client retention telling me there was a payoff requested on my account and asked me what could they do to offer, even though I had spoken to XXXX XXXX on XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span> they still tried to offer a refi even though I was told they could not do this.
Damages done to the Consumer, 1. My payment is going to increase due to insufficient escrow that Caliber home loans caused and placed the cost on me the consumer. This will affect my loan throughout the life of the loan over 30 years.
2. My refinance into a lower rate did not occur due to Calibers mishandling of my delinquent taxes. I could not afford to bring {$4000.00}. To the closing table and make my regular payment of my refi. I lost my rate of 3.25 %.
3. When I contacted Caliber with and sent them my Loan coast estimate which I started in XX/XX/XXXXXXXX in order to close by XX/XX/XXXX. I was told It was too old at that time. My rate cold not be locked with {$4000.00}. Being brought to closing. Caliber would not offer to Match my rate at 3.25 % nor beat it even though they held my Escrow account and the closing costs would be very low since they are servicing my loan. They could have easily matched the rate and made up for the lost time and emotional stress they put me through for he last 2 and half months in dealing with them while still making my payments.
|
| 08/09/2019 |
Yes |
|
|
|
Web |
Older American, Servicemember |
|
On XXXX/2019 I initiated a new home loan through Caliber home loans. XXXX XXXX was assigned to me as our loan consultant. I was unable to find a property in North Carolina that suited my needs and progressed to looking for a property in New Jersey. I am a XXXX Vet with 34 yrs XXXX XXXX. I wrote XXXX XXXX with Caliber home loans and told her VIA email I am going to broaden my home search to New Jersey and was making sure my loan would still apply in New Jersey. On XXXX XXXX, 2019 she said that would not be a problem. Me, and my son drove to New Jersey On the evening of XX/XX/XXXX to look at a few properties. Ultimately we found what we where looking for in New Jersey. On XX/XX/, 2019 I wrote XXXX XXXX for Caliber homes VIA email letting her know that we found a property we would like to make a offer on and we needed a Pre approval. Doing so I also attached our realtor in NJ XXXX introducing the two to making sure that she received the preapproval on the loan. I was then requested by XXXX XXXX from Caliber homes to give the physical address of the property we wanted to buy which is XXXX XXXX XXXX. XXXX XXXX NJ XXXX XXXX XXXX,2019. We put {$1000.00} dollars earnest money and had to hire a attorney here in New Jersey to put the contract in review. During this process XXXX XXXX updated our profile on Caliber homes site with the New Jersey address. On roughly XX/XX/XXXX or XX/XX/XXXX XXXX XXXX updated our file. XXXX XXXX is the one putting all of our information in the system for us on Calibers end. Me, and my son commute back to North Carolina waiting on my property to close officially there. During this process I repeatedly wrote Ms. XXXX VIA email and calling her direct number which goes directly to voicemail major lack of communication through this entire process. We come to an agreement on price of the home at {$310000.00} ordered the inspection of the property costing us {$570.00}. We wrote XXXX XXXX telling her that we have come to agreement on the price. She requested a hard copy of the contract from our attorney in New Jersey. So I did not hear anything from XXXX XXXX for a good while. On XXXX XXXX, 2019 I received a email from XXXX XXXX requesting Financial paperwork for my SS income, XXXX, and XXXX pension. I took photos of everything requested and sent them into her. She called me on the phone making a couple days after validating a few things mention she would call me back in 30 minutes if she needed me. I asked are we good to go for a closing on XXXX XXXX,2019 she stated yes give or take a few days do to VA loan processing time. I told her ok I am making arrangements for housing in New Jersey from XXXX XXXX,2019 to XX/XX/XXXX are closing date. At this point are inspection is scheduled in New Jersey ( {$570.00} ) and our closing is about to take place in NC on my old property. We leave North Carolina on XXXX XXXX, 2019. We have ( {$1700.00} ) dollars in moving trucks, and car haulers and are transitioning North. We get to New Jersey on XXXX XXXX,2019 are property in North Carolina is officially closed. My realtor XXXX XXXX, and our attorney Mr. XXXX with XXXX, XXXX XXXX XXXX XXXX are requesting a commitment letter from XXXX XXXX. They had emailed XXXX XXXX as well as myself with no response on XXXX, 2019 14 days before we are supposed to close on the property. I tried to call and once again straight to voicemail with no return call. At this point I had to invest {$2400.00} in a hotel room from XX/XX/XXXX to XXXX XXXX 2019 waiting on closing. My realtor XXXX XXXX once again tried to reach out VIA email to XXXX XXXX for the commitment letter no response once again. So finally on the XXXX XXXX,2019 I called Caliber home loans corporate office XXXX, tx XXXX ( XXXX ) XXXX and finally got a voice I talked to the guy and stated I have been trying to contact XXXX XXXX for our commitment letter. He miraculously transferred me right to her. She stated to me there's no way she could close by the XXXX of XXXX and her Pipeline with the loan process I am ( assuming ) does not go that far. At this point she stated she was transferring my loan to a loan officer in New Jersey for Caliber homes names XXXX XXXX XXXX XXXX ( XXXX ) XXXX. Mind you we are 9 days before closing on this property XXXX XXXX has been working on for 7 weeks at this point. Within a hour of me finally speaking with XXXX XXXX on XXXX XXXX, 2019 XXXX XXXX writes my realtor back stating ( unfortunately the application ( I ) had in place for Mr. XXXX was not for NJ it was for NC And NJ has different tax mileage I can have someone in retail branch get the file closed out for you but would only be able to get you a conditional approval complete by XX/XX/XXXX and then could have the property closed on the week later. ) Never said a word to me about her error of not putting in the address of New Jersey opposed to North Carolina. XXXX XXXX gave me the go ahead before we even made a offer on the XXXX XXXX NJ address putting it in the loan processing on the caliber home page. I contact XXXX XXXX on XXXX XXXX,2019 to see what in the world is going on. I was at our closing attorneys office at this point when I called him and got a text back asking to call me back later I wrote back please this is urgent needing a commitment letter VIA text. XXXX XXXX finally calls me midday on XXXX XXXX,2019 requesting my financials again stating he just got my loan transferred to him and there was no way he could close on this loan by the XXXX of XXXX. XXXX stated he would have to start a entirely new application on me and he would have to call me back. I get a call back from XXXX XXXX later in the afternoon with him stating ( I don't know how she prequalified you for this loan! There's no way you qualify with the higher tax 's in New Jersey ) I stated back to XXXX you are kidding me right. He said no my underwritter 's would want to see assets or 5 % to 10 % down. At this point I stated that would be impossible we are 9 days from closing XX/XX/XXXX. With first months mortgage, rest of closing costs, and deposits on utilities. I could not make that happen. XXXX stated to me that's the only way he could move forward with the loan Caliber has had for almost 8 weeks at this point. Now I am stuck in a hotel in New Jersey without a home. I will be invested {$7500.00} to {$8000.00} dollars by the time I can get back to North Carolina. I am now homeless, and can not get a XXXX with a car hauler until XX/XX/XXXX due to low inventory with XXXX in New Jersey. I will be obligated to losing the earnest monies and attorney fees. I need help from your firm please. As stated before I am a XXXX Veteran. I have to hire people to help me load the uhaul 's. Ive done everything I was requested to and I have Email documents to validate XXXX XXXX knew not only we where going to New Jersey she plugged the information in on Caliber site. But also verifying she could have us closed on within 7 days after before transferring my loan to XXXX XXXX. I have had to rent a storage facility here in New Jersey to store my possessions waiting on the closing. Now as I mentioned I am homeless and my credit has had soft pulls on it through caliber lowering my scores. And not having much money left to my name due to the negligence. Please can you intervene in this situation. Thank you, XXXX XXXX ( XXXX ) XXXX All the dates I have provided are as accurate as possible. The Emails validate the dates and knowledge of the New Jersey address.
|
| 03/05/2020 |
Yes |
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Cell : XXXX XXXX XXXX XXXX XX/XX/XXXX USPS Regular Mail XXXX XXXX , EVP & General Counsel Caliber Home Loans - Main Corporate Office XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX RE : XXXX XXXX Loan Number : XXXX Property Address : XXXX XXXX XXXX , XXXX XXXX FL XXXX Dear Mr. XXXX : Please be advised that I am the late XXXX XXXX son, and received correspondence and calls from your company since XX/XX/XXXX to date concerning the captioned subject.
Also, please be advised that I, XXXX XXXX, am speaking strictly for, and on behalf of myself, by and through my correspondence to you now and in the future.
I am not speaking in any way, shape, or form on behalf of the late XXXX XXXX other five ( 5 ) sons. Please contact them individually, or collectively, to learn their position ( s ) concerning this matter.
Again, as in my previous letter to you, dated XX/XX/XXXX, please be advised for the third time that I am not the Executor of the Estate of XXXX XXXX as evidenced by the enclosed email dated XX/XX/XXXX, and Page 1 of XXXX XXXX Last Will and Testament, wherein XXXX XXXX is named as the Executor of the Estate of XXXX XXXX. SEE letter.
Please change your contact information concerning this matter to : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Cell : XXXX XXXX XXXX XXXX Please be advised this letter serves to respond to the XX/XX/XXXX letter to me from XXXX XXXX, AVP, Consumer Advocacy and Response Team wherein she acknowledged my specific concerns to the Consumer Financial Protection Bureau ( CFPB ) Complaint was filed by me on XX/XX/XXXX, and my letter to you dated XX/XX/XXXX concerning the captioned subject.
I am responding the Ms. XXXX 's letter accordingly as she did not pro-offer any satisfactory resolutions to my problems caused by your company prolonging the mortgage in its second incarnation and the expected litigation from the mortgage not being paid by the late XXXX XXXX.
I completely understand that I am not a customer of Caliber Home Loans, Inc. That just happens to be a major part of the issue between Caliber Homes Loans, Inc. and I.
Frankly, I found her letter disrespectful of me, being cold, callous, insulting and indifferent of the circumstances in its entirety.
A Complaint was filed with the Consumer Financial Protection Bureau ( CFPB ) Complaint on XX/XX/XXXX wherein I addressed the same concerns as expressed in my Complaint against Caliber ; and, other concerns about what has transpired to date between all of the parties involved with the late XXXX XXXX, the condominium she lived in XXXX and the mortgage with XXXX, d/b/a and a/k/a XXXX and XXXX XXXX. I am waiting for responses from both the Consumer Financial Protection Bureau ( CFPB ) and XXXX, d/b/a and a/k/a XXXX and XXXX. XXXX.
Yes, I also understand that Caliber home Loans, Inc. is not affiliated with XXXX, d/b/a and a/k/a XXXX and XXXX XXXX.
The following should clearly exemplify to you that Caliber Home Loans, Inc., by and through your various companies, subsidiaries, divisions, departments and affiliated companies, have been, and will continue to be burdening me with the new mortgage and related moving forward unresolved between us.
Although your records do not reflect XXXX XXXX as signatory to the loan that does not dismiss the fact that correspondence is being mailed to the late XXXX XXXX using my personal information, specifically my address, cell phone number and e-mail address. Because of the use of said within your company as the address of record for the late XXXX XXXX, I am continuing to receive correspondence to her as though the late XXXX XXXX lived, or lives with me. Certainly, the Complaint in Foreclosure is testimony of that fact, in addition to what your company has mailed to my address to date.
Ms. XXXX incorrectly stated : Please be advised that Caliber found no evidence that correspondence relating to the subject loan was mailed directly to you.
That is a patently false statement. We are corresponding with each other due to the plethora of correspondence, legal documents, loan documents and phone calls that have been mailed to me since XX/XX/XXXX. Had I not received anything from Caliber Home Loans, Inc., we would not be going through this exercise. I have no idea where and how MsXXXX XXXX concluded the contrary.
The demand is made that my name, and the rest of my personal information, be removed from XXXX XXXX 's account with you. More so, I am also demanding the late XXXX XXXX 's personal address, phone number and e-mail address that currently uses my personal information be completely removed from your internal systems.
As stated above, please address any and all future correspondence, and direct contact concerning the late XXXX XXXX, and the new mortgage, to XXXX XXXX as he is named as the Executor of the Estate of XXXX XXXX. Furthermore, I am demanding that you contact him instead of waiting for him to contact you to address this matter in full. Mr. XXXX is aware of the situation between Caliber Home Loans , Inc. and I and has expressed to me that he does not have any intentions of contacting you about this matter.
Absent the aforementioned as an alternative address for the late XXXX XXXX, you have her burial address.
The demand is made that you remove any reference of the late XXXX XXXX 's personal information ; and, the matters involving the late XXXX XXXX between Caliber Home Loans, Inc. be stricken from XXXX XXXX 's credit reports with the three credit reporting companies. Furthermore, the demand is made that Caliber Home Loans, Inc. notify the three credit reporting companies that XXXX XXXX never received a solicitation for a mortgage, and/or other financial instrument ; and, never applied for a mortgage, and/or other financial instrument to Caliber Home Loans, Inc. ; and, never missed payments, defaulted, or caused foreclosure on a mortgage, and/or other financial instrument from Caliber Home Loans , Inc. ; and, never had a financial relationship in any capacity with Caliber Home Loans, Inc. during any time in XXXX XXXX 's life. The demand is made the reports and letters be made available to XXXX XXXX by copy before XX/XX/XXXX.
No, I am not convinced by Ms. XXXX 's statements claiming otherwise as they are woefully inaccurate and inadequate to resolve this matter. The best and only proof to convince me of this concern of mine is with me receiving the aforesaid documents on a timely basis.
All of the above being said, my examples to my demands is that from XX/XX/XXXX to date many credit card companies ( VISA, XXXX XXXX, and various companies ) have mailed credit card solicitations to the late XXXX XXXX at my address using the information from your company that was either sold to them, or they received in another method from your company. Those are indisputable facts.
The demand is made that XXXX XXXX 's personal information be stricken from any information you provide to other companies through the sales of personal information and/or other methods from your company.
For these reasons, I hope that I have impressed upon and have more than adequately explained to you how your company has burdened me to date because of the captioned matter.
Please contact me by any means if you have any immediate questions, comments, or concerns about this letter to you.
Thank you for your prompt attention to my concerns and demands.
Very truly yours, XXXX XXXX
|
| 02/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
Complaint, QWR and DVR to Caliber Home Loans , Inc and XXXX XXXX XXXX XXXX XXXX XXXX I continue my investigation about sadistic gaslighting and enormous fraud operated by various hedge funds and Financial technology companies under instructions from major Investment banks, who use names of fictitious sham conduits like Caliber Home Loans , IncXXXX [ a shill for XXXX XXXX XXXX and XXXX XXXX now XXXX XXXX ] and XXXX XXXX XXXX, XXXX [ a shill for XXXX XXXX XXXX and XXXX XXXX ). Every time money trail and all collaborating evidence lead me to XXXX XXXXXXXX XXXX and XXXX XXXX XXXX as the real Masters and parties who created these companies and who instruct these companies to rob and gaslight me ; and launder my money offshore, likely to XXXX, via complex money laundering scheme. On XX/XX/XXXX a private equity firm XXXX XXXX XXXX acting under its fictitious name Caliber Home Loan , Inc sent me another computer-generated response where Caliber misrepresented my complaint as I am requesting information about the transfer of servicing rights. This is not true. I demanded information about WHO appointed Caliber as a Servicer; WHOM Caliber was servicing all this time ; and which particular servicing activities Caliber performed if all servicing was conducted by various XXXX companies, particularly XXXX XXXX XXXX who deposited all my money into XXXX XXXX XXXX account whose ownership is unknown to me. I also demanded explanations WHEN and to WHOM Caliber prepared forged Allonge to my Note where they transferred a loan which did not belonged to Caliber. According to Caliber, effective XX/XX/XXXX, the servicing rights for the Loan were released from XXXX XXXX XXXX and transferred to Caliber. According to official documents, in XXXX Caliber [ former XXXX XXXX XXXX XXXX ] was 100 % owned by one of XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX, whose business addresses are ALWAYS the same as Calibers addresses, including but not limited to XXXX XXXX XXXX XXXX XXXX. XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX and in XXXX, CA where many computer-generated letters are coming from. Shortly XXXX passed 100 % of ownership in Caliber to its branch XXXX XXXX XXXX XXXX and after it to XXXX XXXX. Which is 100 % owned by XXXX. I dont know the rationale behind these rapid transfers but if Caliber is positioned as an independent company with billions of mortgages under ownership and servicing, its simply impossible to make these transfers from accounting point of view. Only name transfer. Morever, while XXXX did not even included Caliber 's mailing address under its letter head, and changed mailing address on the first page of their robot-generated letter, they and apparently forgot to change it on the second page which stays as the same Oklahoma po box address. It is evident that whomever uses Caliber 's name on these idiotic letters do not even care about accuracy of information So, this is obvious, even from XXXX name, that the REAL Servicers are XXXX XXXX and various XXXX companies who use Calibers name on the letterheads as their cover up. Caliber ( former XXXX ) was accrued by XXXX XXXXXXXX XXXX in XX/XX/XXXX, and promptly rebranded it via hedge fund XXXX into a new corporation who do not perform any servicing activities, much less any lending and merely used as a sham name by various hedge funds. Yet, all my money were collected under Caliber name and processed by XXXX XXXX XXXX into XXXX XXXXXXXX XXXX account who is the owner of XXXX, now called XXXX XXXX admitted that they collect, open and deposit my money, thus Caliber and XXXX XXXX XXXX do it. It XXXX very obvious that Caliber did not do any servicing activities and has no relationship to the account where my money were collected by XXXX XXXX XXXX, Thus this information MUST be verified by XXXX XXXX XXXX as who deposited money on their account and who is the final recipient of my payments if Caliber is fully owned by XXXX and now my XXXX XXXX, XXXX XXXX XXXX, formerly XXXX XXXX XXXX XXXX, was created in XXXX to own mortgage servicing rights ( MSRs ) and other mortgage related assets. Its unclear WHO granted these servicing rights and that are other mortgage related assets? Probably illegal foreclosures and forged by XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX documents In XXXX XXXX XXXX XXXX XXXX, the mortgage real estate investment trust and parent company to nonbank fake lender XXXX, changed its name to XXXX XXXX whose President XXXX XXXX is a former XXXX XXXXXXXX XXXX, XXXX XXXX and XXXX XXXX banker, as well as several other top executives. XXXX XXXX XXXX was alleged lender to my property Seller, XXXX. According to computer-generated letters from XXXX, they XXXX does not have ANY records about alleged wire transfer from fake lender XXXX XXXX XXXX [ defunct since XX/XX/XXXX ] who on XX/XX/XXXX allegedly assigned my mortgage [ without my Note ] to a fictitious corporation XXXX XXXX XXXXXXXX XXXX XXXX which was registered on XX/XX/XXXX by XXXX XXXX XXXX XXXX as a XXXX XXXX XXXX. Prior XXXX used name of Americas Wholesale Lender as a cover up, which was not registered at all. On XX/XX/XXXX XXXX died and XXXX XXXX XXXX, XXXX became a XXXX XXXX XXXX XXXX. Bear to repeat, XXXX was accrued by XXXX XXXXXXXX XXXX in XX/XX/XXXX, and these renamed versions of XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX, XXXX [ XXXX, XXXX ] were shortly registered by hedge funds XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX as sham intermediaries, for the use of their names only. After XX/XX/XXXX all my money were demanded by XXXX XXXX XXXX and processed by XXXX XXXX, XXXX into XXXX XXXXXXXX XXXX account where XXXX was not even mentioned. Thus, XXXX did not do it, and was not the owner of the account where my money were deposited. XXXX XXXX XXXX was. My property taxes were paid by XXXX XXXX XXXX, XXXX under unknown to me authority and from unknown to me source. When I paid my taxes, XXXX transferred this check to XXXX XXXX bank. Thus, XXXX did not conducted any tax payments activities. In XX/XX/XXXX my property insurance was paid by XXXX XXXX XXXX, under unknown to me authority and from undisclosed to me funds. Thus, XXXX did not do it and was removed from my property insurance policy as additional insured two years ago. In XX/XX/XXXX XXXX XXXX XXXX sent me Total Payoff statement where XXXX directed me to deposit $ XXXX into XXXX XXXX XXXX account which routing number belongs to XXXXXXXX XXXX XXXX XXXX, where XXXX XXXX is on Board of Directors. Worth to mention, one of fully owned by Caliber [ owned by XXXX ] is XXXX XXXX XXXX XXXX, whose mailing address is the address of XXXX XXXX XXXX XXXX, XXXX CA also belongs to XXXX XXXXXXXX XXXX, subsidiary of XXXX XXXX XXXX XXXX, So, no matter whose name appears on the letterheads, my MONEY trails always lead to XXXX XXXX XXXXXXXX and XXXX XXXX XXXX who ( 1 ) own companies whose names appear on the letterheads, indirectly but via hedge funds whose top executives have close ties with XXXXXXXX XXXX XXXX XXXX ( who has numerous repurchase agreements with XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX who received a refund check from XXXX I am entitled for explanations who is the real final recipient of my money ; who owns these accounts with XXXX XXXXXXXX XXXX and XXXX XXXX XXXX ; and the name of an individual officer whom I can contact to verify ownership of these accounts.
|
| 01/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
Predatory Lending Claim - We are filing this claim due to age and low-income discrimination, unfair, deceptive and negligent lending practices, which has put our family in a situation where we can not afford our home and will be forced into foreclosure in the near future.
We were knowingly lied to and taken advantage of by Caliber Homes Loan on a number of occasions from XXXX to XXXX on our mortgage loan.
Current Loan Servicing Provider : XXXX XXXX XXXX XXXX.
Effective date XX/XX/XXXX to present - XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Contact # XXXX ( XXXX ) XXXX All correspondence are sent by mail only to home owners just set up online account to review documentation on XXXX XXXX XXXX states they have no paperwork or documentation from Caliber Home Loans from XXXX. They only have the loan modification document from XX/XX/XXXX and can not explain or speak to anything in the modification documentation as it came from Caliber Home Loans.
Previous Mortgage and Loan Servicing company : Caliber Home Loans Inc.
Effective date purchased loan from XXXX XXXX XXXX sometime between XXXX and XXXX to XX/XX/XXXX when they transferred ownership to XXXX - ATTN : Loss Mitigation Department XXXX XXXX XXXX XXXX XXXX, OK XXXX Contact # XXXX ( XXXX ) XXXX or XXXX ( XXXX ) XXXX XXXX states they have no paperwork or documentation as the loan has been transferred to XXXX. We requested documentation for all paperwork from the origination of the loan to XXXX from Caliber Home Loans which was prior to the transfer to XXXX. They only have the loan modification document from XX/XX/XXXX and can not explain or speak to of the numbers stated in the modification as they claim to have no other records.
Initial loan in XXXX with XXXX XXXX XXXX was a Fixed 30-year Loan with a 4 % interest rate for the purchase price of {$110000.00}.
Predatory Lending Claim - We are filing this claim due to age and low-income discrimination, unfair, deceptive and negligent lending practices, which has put our family in a situation where we can not afford our home and will be forced into foreclosure in the near future.
We were knowingly lied to and taken advantage of by XXXX XXXX XXXX on a number of occasions from XXXX to XXXX on our mortgage loan. During this period my family was faced with extreme financial stress due to my husband losing his job. We were unable to make our monthly mortgage payments for a period of time. I reached out to Caliber Home Loans for support where I was informed, I could apply for a loan modification to help reduce my monthly loan to make the payments more manageable for my family. Caliber agreed to send me the documents to fill out for an application for request for loan modification. I completed the forms and sent back where months went by while I waited to see if I was approved. Unfortunately, I was unable to make all the monthly payments during this time, but Caliber assured me the payments I was behind would be added to the end of the mortgage and I would not see any additional fees because since I am pending a loan modification approval everything freezes including late fees. Once we received the paperwork in the mail on the modification I called back in as I did not understand what the documentations was saying and needed additional support with reviewing.
The explanations provided during the phone conversations were very limited and provided misleading information just to get us to sign the documents. We were informed by the company the only way we could keep our home was to sign the modification documentation otherwise they would take the home because we have no other options. As we were confused and did not understand the documents sent, we were given a short window to review and send back but were encouraged that this new rate of {$640.00} a month at a fixed 4 % interest rate would be our new mortgage rate/ escrow going forward. We were also informed that the additional unpaid amount listed on the modification for {$100000.00} would be removed once we began the modification and made the monthly payments over the next twelve months. So, in fear of losing our home we signed the paperwork with assurance over the phone from Caliber this was our best and only option to keep our home. In XXXX our loan was then transferred to XXXX XXXX XXXX XXXX We went on making the new payment amounts each month and on time.
Within in a year after we were informed the additional amounts would be removed, we contacted the new loan provider XXXX to have the additional {$100000.00} removed because all payments were made and received. XXXX informed me they had no records of the agreement with Caliber Loans and there was nothing they could do to remove. Ashamed and confused I just went on making the payments not knowing what to do as I still have no understanding of where that additional {$100000.00} even came from In XXXX of XXXX, we were notified by mail from the new loan service provider XXXX our payment has increased as of XX/XX/XXXX to {$2000.00} a month at a 11.99 % interest rate, based on the terms of the modification with Caliber Home Loans. I called XXXX and explained this agreement was not what Caliber Home Loan explained to us and guaranteed us that our new monthly payment with escrow going forward to the end of the loan would continue to be {$640.00} a month with a 4 % interest rate. XXXX stated that was not the case and if you can not afford it you can request a modification through us.
This brings us to where we are now, we now have a huge loan payment of {$2000.00}. 45 a month which we can not afford as we are seniors over the age of XXXX on a fixed income, which both companies were well aware of. We now have an inflated interest rate of 11.99 %, which I have no clue where this even came from as we were told we were on a fixed rate of 4 % for 30 years. The loan we originally took out on the home was for {$110000.00} in XXXX and now according to XXXX shows the following : Unpaid Principle : {$130000.00} Unpaid Interest : {$75000.00} Other Unpaid Amount : {$34000.00} Total : {$240000.00} How is this possible? I am XXXX years old, XXXX and falling deeper in debit. Owing double on a home I purchased in XXXX due to adding all types hidden fees, high interest rates, hidden language delaying the loan modification process, additional unknown fees and forced to sign documentation that was never clearly explained. All of this being done on top of my mortgage, I can not get a good faith review of my loan modification application and I am caught in this horrible vicious cycle. I am seeking your help, I can not lose my home, it is everything that I have. Out of fear and shame I did not seek out for help but have recently leaned on my adult children as I have no where else to go and not sure what to do. We have contacted both companies and requested documentation but have been told they do not have. We have filed a written request for the additional documentation and am currently waiting to see what both companies send.
Recent Calls XX/XX/XXXX - XX/XX/XXXX XXXX XXXX rep # XXXX Caliber XXXX XXXX # XXXX Caliber XXXX rep # XXXX Caliber gave no name rep # XXXX Caliber gave no name rep # XXXX As of today we have received no documentation on the loan from Caliber Loan as promissed when we filed the documented written request
|
| 03/26/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Loan Background and Pending Foreclosure Your loan originated on XX/XX/XXXX, with a principal balance of {$310000.00}. The original lender was XXXX XXXX XXXX DBA XXXX. Your loan was later sold to to XXXX XXXX. At that time only XXXX XXXX owned the loan. One of the prior servicers for the loan was XXXX XXXX XXXX. On XX/XX/XXXX, I signed a loan modification agreement wherein I agreed to have the account escrowed for property taxes and property insurance. The escrow is presently incorrect and have no idea who controls XXXX XXXX XXXX XXXX , XXXX, as Trustee for XXXX Master Participation Trust ( XXXX XXXX XXXX XXXX XXXX to have acquired my loan from XXXX XXXX on XX/XX/XXXX but there is absolutely no evidence of this by XXXX XXXX recorded on Title per the CAL CIV Code. Caliber Home Loans allegedly began servicing my loan on XX/XX/XXXX. The loan was in a loan modification status with XXXX and therefore XXXX was " dual-tracking. All my payments were not correctly posted to my loan nor were they accounted for when the loan was allegedly transferred to Caliber. I claim that XXXX did not transfer my payments to Caliber until XX/XX/XXXX. You can clearly see funds in the suspense and escrow accounts that were not posted on XXXX records I corroborating evidence, and have provided it many times so please investigate. The Note, as modified by the XXXX loan modification agreement, and Deed of Trust are in full effect and have not yet been canceled. There are two versions of the Note and of the loan modification so they are in the process of being cancelled. Caliber is aware of my spouse XXXX XXXX XXXX pending Chapter XXXX bankruptcy. The foreclosure proceedings are currently on hold as a result of her pending bankruptcy case. Post-Petition Payments As previously explained, you filed for Chapter XXXX bankruptcy on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX XXXX fka XXXX XXXX XXXX XXXX filed an inaccurate Proof of Claim ( POC ). XXXX later transferred its defective claim to XXXX XXXX XXXX. At the time the Proof of Claim ( POC ) was filed, the total monthly payment was much less than {$1600.00}. This amount was adjusted several times as authorized by the XXXX loan modification agreement, and incorrect Notices of Mortgage Payment Change were filed in my bankruptcy case. Pursuant to my confirmed Chapter XXXX payment plan, I was required to pay XXXX XXXX XXXX Proof of Claim ( POC ) arrearage to the bankruptcy trustee ( which was done and the evidence is there ), and remit ongoing monthly payment directly to the servicers XXXX and Caliber ( which I did ) .. The Caliber Proof of Claim was wrong, and was disputed. I objected to the Proof of Claim ( POC ) in my bankruptcy proceeding. I did not accept the amount of arrearage in my Third Amended Chapter XXXX Plan since I made all the payments as agreed. To support my claim, I referenced the post-petition loan history that XXXX XXXX XXXX filed in your Chapter XXXX bankruptcy on XX/XX/XXXX. This document now supports my assertion. It shows that I remited full and timely ongoing monthly payments on the loan since XX/XX/XXXX. The post-petition loan history shows the ongoing monthly payments that Caliber and the prior servicer received directly from you. It does not include the payments that Caliber received directly from the bankruptcy trustee. The Debtors Status Report I provided shows that as of XX/XX/XXXX, the bankruptcy trustee disbursed {$6300.00} to your loan and was current. Caliber explained in its XX/XX/XXXX letter that it received and applied the disbursement from the bankruptcy trustee but not the post-petition payments made. Caliber also provided me with a complete payment history dating back to XX/XX/XXXX, but did not include the payments made to XXXX starting in XX/XX/XXXX. The payments shown on the post-petition loan history do not correspond to the payments that I made in my Declaration Setting Forth Post Petition that was filed with the bankruptcy court on XX/XX/XXXX. In the Declaration that I made a {$1000.00} payment on my loan on XX/XX/XXXX, and another made in the same month that was not posted. Those transactions were not reflected on the post-petition loan history as a complete payment in XX/XX/XXXX. The total monthly amount due for XX/XX/XXXX was less than {$1600.00}, there were 2 payments for {$1000.00}. Furthermore, Caliber claims it did not receive monthly payments from you between XX/XX/XXXX and XX/XX/XXXX which is also not true. The ruling in favor of XXXX XXXX XXXX on its motion for relief from stay is presently in appeal. Instead of applying my payments to the loan, Caliber posted them to a suspense account or escrow. The Deed of Trust does not permit Caliber to hold partial payments in suspense until I make a payment sufficient enough to bring the loan current since the DOT is in dispute as is standing. As shown in a recent payoff statement that Caliber recently provided me, {$1400.00} is currently being held in suspense for no reason and should have been applied as a payment and it was not. Caliber must apply these funds to the balance immediately. I have filed a complaint against an estimated monthly mortgage payment of {$4400.00} as shown in a document filed in Case XXXX Doc Filed XX/XX/XXXX Entered XX/XX/XXXX XXXX which was fraudulent. The Notice of Mortgage Payment Change, filed on XX/XX/XXXX, shows a new total monthly payment of {$1900.00} which is still wrong and is disputed. I continue to allege that Caliber did not apply all my post-petition payments correctly and have provided corroborating evidence, such as a wire transfers and cancelled checks, so that they may investigate. XXXX Circuit Appeal Case No. XXXX is pending and Caliber has failed to appear in my pending appeal in the XXXX Circuit Court of Appeal. Caliber claims that it is not a party to this appeal and has not yet made an appearance. As Caliber is aware, the case is pending the Courts decision. Removal of Publicly Available Information by me since I have asked Caliber multiple times to remove everything related to my home from the internet. Caliber claims it did not receive any such requests. Regardless, California Civil Code 2924f requires Caliber to provide up-to-date foreclosure sale information to the public. Caliber uses a third-party website called XXXX XXXX XXXX to fly drones near the XXXX Airport and to publish information regarding the foreclosure sale my property which is unlawful. I live 3 miles from the XXXX Airport and there is a no fly zone within 5 miles of the airport. Thus, Caliber is again asked to comply with my request. Caliber aledges it takes care to protect its customers privacy, but authorized disclosure of my confidential information. They claim the " Pictures of the subject property posted on XXXX were taken from a public vantage point, and thus do not constitute a violation of privacy '', which is not not true. XXXX is a third-party website and is unaffiliated with Caliber, but Caliber has the telephone number of XXXX XXXX XXXX all over it. A recent loan modification package has been submitted and Caliber has filed another Notice of Trustee Sale ( NOTS ) on the title of my property which constitutes a violation of " dual-track '' in California and we would like the CFPB at act asap based on the attached Declaration.
|
| 01/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We experienced a XXXX XXXX on XX/XX/XXXX. Due to the actions of both the insurance company ( XXXX XXXX, a division of XXXX XXXX XXXX and Caliber Home Loans, it will be approximately 3 years before my family will once again be able to live in our own home. It took 12 months to come to a settlement with the Insurance company on the real estate property. Once that was in place, I signed a contract with a contractor for the re-building process. This contract specifically laid out a monthly financial drafting schedule, and was sent to Caliber Home Loans for approval. From the outset, Caliber Home Loans was incompetent. I submitted the required contract, builder license, and other documentation required by Caliber Home Loans twice. When XXXX lost all documentation for a second time, a representative from the XXXX spent two days working to submit the proper paperwork. Once Caliber Home Loans acknowledged all paperwork was submitted, and construction could begin, my XXXX selected a demolition team to knock down the remains of our home the first week of XX/XX/XXXX. As we began the framing of our new home, we placed a request for funds with Caliber Home Loans for work performed in XXXX and XXXX. XXXX denied the request for funds stating that they would only release funds at 50 % and 100 % completion of project. I had a sizable savings, and had received funds for our personal property from XXXX, and used these funds to pay for the work that had already been performed. Thinking that I had replacement cost insurance that would cover the entire reconstruction project, I was certain that all parties would honor their commitments to making my family whole again, and that all would work out in the end. It was about this time that I started learning what replacement cost insurance really means. For XXXX XXXX this means that you receive a check for the actual cash value ( ACV ) of your home, and then as you replace anything above the ACV, XXXX will reimburse you i.e. you must first spend the additional funds. In our situation, we purchased our home for just under {$350000.00}, but it will cost {$760000.00} to replace. I will have to spend roughly {$400000.00} before I can be reimbursed for it. At the same time, Caliber Home Loans is refusing to release any of the {$320000.00} they are holding. I do not know about you, but I do not have a {$400000.00} slush fund laying around to finance the reconstruction of my home!
By XXXX I realized that I would have to refinance the construction process. By XXXX, I realized how dire my situation had become due to Caliber Home Loans actions. After agreeing to the contract with XXXX XXXX XXXX with the monthly financial draws, and then rescinding that decision for the 50 % and 100 % payouts, they had put me in a financially impossible position. Once construction had started on the project, all contractors, subcontractors, and suppliers had a lien against the property making it very difficult for a title company to close on the new construction loan, and the size of the required loan puts ups up against a ceiling for many lenders. I have been told by countless banks that if I had put financing in place prior to commencement of construction, the loan could have been approved in weeks without difficulty. As I write you today, 8 months later, we still have been unable to close on our new construction loan. In XXXX of XXXX, we finally were told by a credit union that if we stop construction immediately, they were confident that they would be able to put new financing in place. All construction halted. We have been fighting now for 6 months to overcome the hurdle that Caliber Home Loans put in front of us.
We are finally in the last stretch of financing with the XXXX XXXX. The last remaining item is a lien release from Caliber Home Loans. I want to make two things perfectly clear here : XXXX. ) Our mortgage is currently with Caliber Home Loans 2. ) XXXX is currently holding our funds XXXX in an amount that EXCEEDS my mortgage.
I have submitted several requests to have Caliber Home Loans apply the {$320000.00} to our {$310000.00} mortgage and send us a check for the remaining {$14000.00}. In fact, I spent in excess of 16 hours between XX/XX/XXXX and XX/XX/XXXX attempting to get Caliber Home Loans to apply the funds they are CURRENTLY HOLDING to pay off my mortgage and issue an intent to release lien letter or even in lieu of that an existing financial document that demonstrates the loan to be paid in full. I spoke with no less than 15 employees of Caliber Home Loans between their mortgage department and their Loan Loss Draft department. 2 of these XXXX employees assured me that they would personally monitor my account to send me the document I need from them to be able to close on my new mortgage and move on with our life. On Monday the XXXX, I was told that I had to submit a written statement that I wanted to apply the funds. I did so, and was told it would take 1 to 2 days to process the funds. I called back Tuesday, and again Wednesday. By Wednesday afternoon, I asked where the funds were, and how soon I could expect the letter. I was told that the request to apply the funds was denied. I was told that I had to submit another form from their mortgage department. I asked to speak with a supervisor. I told the supervisor that I was not going to request a document from their own company to submit to the same company so that they could apply funds they already have. We got a conference call between the two departments, and the mortgage department submitted the proper document to the loan loss draft department. I was told it would take another 1-2 days to process funds. I called back again Thursday. I was told again that the decision to apply the funds had been denied because the payoff document was out of date. AGAIN, THIS IS THEIR OWN INTERNAL DOCUMENT. I spoke with 2 supervisors, one of which simply hung up with me. On Thursday night, I asked to speak with a supervisors supervisor. I now have a manager 's direct line. She is supposedly attempting to escalate my loan, but when I spoke to her on Friday, she said that all documentation was with Caliber Home Loans XXXX office for a decision. I asked, A decision on what? XXXX has the mortgage. XXXX has the funds. This should be a button click, and I have had to work this hard to get XXXX to apply the funds to the loan. She could not or would not give me any kind of answer.
I just want to be able to move on with my life to make my family whole again. But due to the actions of Caliber Home Loans, it is going to take approximately 3 years to move back into my own home. My rental insurance runs out after 24 months. For 12 months, I am going to have to make both a mortgage payment and a rental payment. I have a wife and XXXX children with full lives. We do not fit in a one-bedroom apartment. This is going to be a true financial hardship for us because of the actions taken by Caliber Home Loans. One day, I am going to fight tooth and nail to change the laws that govern how insurance and mortgage companies operate following catastrophic loss to prevent any other family from having to go through what we have, but until then, please help our family.
|
| 07/09/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Company Caliber Home Loan XXXX XXXX ( XXXX ) CALIBER HOME LOANS, XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX direct # ( XXXX ) XXXX fax # ( XXXX ) XXXX primary email : XXXX Caliber Loan Complaint : The process to refinance my loan started back in XX/XX/XXXX. I patiently waited for my refinance to be processed and completed. During the refinance process there had been multiple changes made to my mortgage loan. I sought out clarification as I was going through the process so that I can understand what is being asked or changed. On different occasions the response has been extremely delayed, well past the 48 hours, going past even a week, or I have received no response at all.
The changes at times were extreme and I was told that the credits and bonus points that were agreed upon just weren't reflected, but when I questioned each readjusted mortgage statement loan I was told I don't need to sign the newly adjusted contract or that no adjustments were made even though I was looking directly at the changes.
I do not receive responses in a reasonable time and sometimes no response at all both when I called and left voicemail and when I emailed. I wasn't given a clear timeline of the process until it was towards the end of the process. There seemed to be no end in site of closing the refinance loan as I was still going through the process 6 months later. Agreements that have been made were not kept. Because of the switch and bait that was taking place I requested a third party form from Caliber so I could have a reliable party support and help me ask the right questions through the process. The loan officer I worked with told me he had to get approval from his supervisor to give me a third party document. I requested multiple times and was ignored so I made my own, but still asked to receive Caliber loans official form and to this day I still never received the document. I have been treated unfairly and believe that both my gender and ethnicity has been a factor in how I have been treated through out the process.
I called and emailed to speak with the supervisor of the loan officers that I was working with and never got responses. I also was hung up on by Caliber representative more than once, during the request to speak with higher management personnel. I requested for Caliber 's customer advocacy number that was mentioned on their phone system personnel told me this services didn't exist, however I received an email requesting for me to survey my experience. I expressed my dissatisfaction and a few days later I received a call from a personnel from Caliber 's customers advocacy department that I was told didn't exit.
I was directed by the advocacy personnel to my original loan office who told me his work with me was done and had passed me on to MrsXXXX XXXX who was non-responsive as well. So it is XXXX and I ask original loan officer Mr. XXXX questions to confirm that we would make the XX/XX/XXXX deadline to close and how the process would take place because of the pandemic. II was provided the process, but the a statement was made by Mr. XXXX that shocked me.
Mr XXXX stated, that according to refinance records, I canceled an appraisal on XX/XX/XXXX. I responded that had not canceled any part of the process and surely not the appraisal. And back on XX/XX/XXXX through email I requested to know if the appraisal had been completed and never received an answer. Mr. XXXX then said he would alert Mrs. XXXX and both of their Supervisor and expedite the process. We discussed what would happen with the expiration date and not making who was responsible. Mr. XXXX expressing it is on Caliber and any fees and such are their responsibility. Shortly after I receive another readjusted mortgage loan statement with changes that affect the amount of money I will owe and receive in cash out and change to the expiration date.
I email with questions regarding the changes made on the latest mortgage loan statement as well for Mr. XXXX to explain where the document shows the lender credit, bonus points and my by down of the interest rate. I receive no response from Caliber until they realize I am looking into another company completing the refinance.
At this point I receive two phone calls from random Caliber representatives stating that in order to complete my refinance process I needs to do another credit check because too much time has passed. I let the representative know that I would like a phone call from my loan officer and it has been more than three weeks. That representative stated she would inform him and I should hear from him within in 48 hours. I hear nothing from Mr. XXXX. then receive another call form a random Caliber personnel asking to do a credit check. I explain that I am still waiting to hear from my loan office and receive answers from him regarding the new mortgage loan statement and other questions. She states that she will let him know. About a week later I receive a call form Mr. XXXX requesting to run a credit check. He never addresses my questions. I let him know I would like to go over my questions before i approve a new credit check. Mr. XXXX has called me during my work time. i let him now I will need a better time to talk. He then states he can answer my question in less than five minutes, only willing to address the changes made in readjusted loan statement, which he claimed could be fixed immediately back to what it was before. I requested for him to read my email and to write me back as I need to go and to send me the mortgage loan statement readjusted back to what was agreed upon. I never received a response to my questions to the revised mortgage statement.
What type of discrimination : I believe that I have been discriminated based on my gender and ethnicity. It has been clear that all personnel have not been willing to have conversations with me on the process. When I sought out to have supervisors assistance they didn't respond nor was I offered help from their customer advocacy department.I believe Caliber loans has a habit of preying on individuals and they showed this not allowing me to have the
basic resource of having a third party of my choosing assist me in understanding the process. I want it noted that I am filing this complaint non- concurrently because I was not confident that there wouldn't be retaliation during the process or once I finally went with another company.
It angers me and saddens me that I had to have this experience and during a pandemic. i expressed my understanding to both Caliber staff who were assigned to work with me that we are all under additional strain due to the pandemic, but the clear lack of service and discrimination isn't acceptable. I try to imagine if I chose not to do my job fairly and the harm with be apprehensible as I am a school counselor. I had been a customer with Caliber since I owned my place. I have payed my bills on time and even follow up to make sure my takes and insurance is paid on time by Caliber. I was never a risk in the process.
I have a XXXX XXXX XXXX with documentation of conversations and emails. I would like to send that additional information.
|
| 06/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
In mid-XXXX, after hearing that XXXX work/income could be impacted from the pandemic, XXXX called Caliber Home Loans to get information on deference of payments. When listening to options on the Caliber phone site, he opted for getting information on the program, and on pushing that option, recd the message Congratulations, you are now in the Forbearance Program! I asked if we were going to get any information about what that means and he said the message did not elaborate at all.
[ It was later verified by a manager, Ms. XXXX XXXX, that yes, there was a flaw in the phone option system initially, not only automatically putting people in the program, but there was no Opt-out option. She told us that had been corrected. Conversation XX/XX/XXXX ] Point 1 : We were put in the Forbearance Program by Caliber Home Loans without request to do so!
On XX/XX/XXXX, we spoke to a young man who explained that yes we were in the Forbearance Program which was a 3-month program and we should get back to them sometime in XXXX to look at our options.
[ We were informed in a call way after the XXXX, that we had an option to pay our Escrow Account during those 3 months ~ very good idea as part of the program ~ but we were not informed ] Our Number 1 concern at the time of this call was the impact Forbearance would have on our credit. We asked this question repeatedly, and were told NO, repeatedly.
Consequently, we thought okay, maybe this is an advantageous program that can buffer us in case XXXX salary was impacted.
A few days later, we received alert/notification that our Credit had been hit with new information. On immediately reviewing, we saw that all three bureaus had Impacted by disaster and Forbearance documented on the reports.
Huge problem! Any investor or financial institution looking at consumer financial standing instantly knows this reporting means we are not making consecutive payments ; and making consecutive payments is crucial to investors/financiers. Since we are currently working a business venture with financial partners, this is a disaster.
Point 2 : Were were told more than once by a Caliber agent, that the Forbearance Program would not negatively impact credit! This is not the truth.
Panic! And after talking w/financial mentors, we were advised to get out of the Forbearance ASAP, and get it off our credit reports!
On XX/XX/XXXX, we talked with XXXX XXXX, a Caliber manager, who explained what we needed to do to get out of the program. We scrambled and within days, paid the 2 mortgage payments for XXXX and XXXX over the phone to assure they were applied, and as per Ms. XXXX advice, requested a letter asking for documentation that we were out of Forbearance. The accounting went well, including the XXXX payment, however documentation showing we were no longer in the Forbearance Program was/is not forthcoming!
Litany of work to get a letter from Caliber stating we are out of Forbearance : XX/XX/XXXX ~ talked with XXXX, Supervisor # XXXX, told letter coming and if a problem, ask for Manager XXXX, or XXXX XX/XX/XXXX ~ talked with XXXX, Agent # XXXX, said she would request a letter be drafted to remedy the Credit Reporting and call XXXX back Unknown date ~ talked with XXXX, Manager # XXXX, told letter was coming with correct verbiage XX/XX/XXXX ~ talked with XXXX, Agent # XXXX, who told us the account showed the Forbearance being closed and referred us to a letter that says only that " we requested to be out of the program '' ~ not that we are out of Forbearance.
XX/XX/XXXX ~ talked with XXXX, Agent # XXXX ( very helpful ) who said a request could be put in to get this reporting off the credit reports and it would take 5 days to process.
XX/XX/XXXX ~ talked with XXXX, Agent # XXXX who transferred us to XXXX, Agent # XXXX who after 10 minutes and multiple requests, transferred us to XXXX, Agent # XXXX who refused to assist and put us on hold ; then talked with Agent # XXXX said letter coming with correct verbiage [ During this time, we did receive letters from Caliber HOWEVER, they were/are the same form letter stating only : you were approved for a Forbearance Plan, however, you subsequently requested to withdraw.
and proceeds to inform us that we need to make our payments ( letter attached ). NO WHERE do these letters state that we are out of the Forbearance Program! ] XX/XX/XXXX ~ Talked with XXXX, Agent # XXXX. Finally, someone seemed to fully understand the language we needed! We went over it 3 times : It needs to state that we are Not in the Forbearance Program and our account is fully up to date.
XXXX shared that since the Caliber Forbearance Plan was a 3-month plan that all documentation was around the 3-month period ; subsequently, we WERE NOT OUT of the Plan until the end of XXXX ~ BUT she said she would take us out right now! And, that a letter from Caliber, stating exactly that would be coming electronically within 48 hours, and the hard copy of that would arrive in 3~5 days.
Did not happen. The same form letter, stating that we requested to be withdrawn from the program arrived via email..the SAME letter that is not addressing our needs and not providing any remedy to our mortgage profile/credit standing!
Today, XX/XX/XXXX, called Caliber once again. After speaking with XXXX, Agent # XXXX, I was transferred to XXXX, Agent # XXXX. This is my takeaway from that call : 1. After explaining my concerns and reiterating the many conversations we have had with the company, her primary concern seemed to be gathering dates, names and agent numbers of the people that provided information.
2. She had a hard time addressing my concerns, especially the discussion with XXXX as she was very explicit about what she could send. Ultimately XXXX said, Caliber could not generate a letter saying we are out of Forbearance. That letter does not exist as part of the company. All letters go through their legal department and there is not one that says consumers are out of the program. ( We suggested she go to legal and have them vet another letter since theres an obvious need! ) 3. About things we were told, i.e. this will not impact your credit, the system was flawed when you were put in by mistake, Caliber will investigate sending a letter to the credit bureaus ; She did not address beyond asking for information about who said what, and what was their agent number. ( This made me uncomfortable as my objective was NOT to throw people under the bus! Most agents were empathic and helpful! ) 4. She referred to a XX/XX/XXXX call from XXXX XXXX multiple times where she says we were told nothing could be done to change the language of the letter. As seen by the litany of conversations listed above, we were told multiple times that this could be done! And that requests were in to generate a relevant letter.
Point 3 : This experience with Caliber Home Loans has been confusing, damaging, frustrating, and time-consuming! We have been given completely contrary information and have acted on this information to our detriment!
|
| 10/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
In late XX/XX/XXXX, I was contacted by Caliber Home loans ( XXXX XXXX ) regarding the refinancing of my home. I indicated that I was looking to lower my interest rate, have no closing costs and pay off $ XXXX of credit card debt. They said they could do that and they put me in touch with XXXX XXXX who sent mortgage disclosures for a loan on XX/XX/XXXX. I owed approximately $ XXXX at the time and they indicated to me that based on comparable homes, my house was worth approximately $ XXXX. They would refinance my mortgage on $ XXXX with $ XXXX going to pay off my credit card with approximately $ XXXX coming back to me at closing. On XX/XX/XXXX, XXXX XXXX sent me a revised Loan Estimate with an est. property value of $ XXXX and loan amount of $ XXXX at 3.375 %, with $ XXXX toward my credit card debt and $ XXXX back to me at closing. On XX/XX/XXXX I paid a credit report fee of {$23.00} and an appraisal fee of {$500.00}. On XX/XX/XXXX I received a loan update from Mr. XXXX indicating my loan had been conditionally approved by underwriting and was being reviewed. An appraisal was done on XX/XX/XXXX and paid by me for {$500.00}. I received the report on XX/XX/XXXX indicating my house appraised for {$390000.00}. At some point after the XXXX of XXXX, my loan was turned over to XXXX XXXX, with a request for additional personal credit documentation. After complying, I had to contact Mr. XXXX approximately 5 times before getting a response in mid XXXX. On XX/XX/XXXX however, I did receive a congratulations letter on a conditional approval for a mortgage loan of $ XXXX. I was then turned over to XXXX XXXX who I called 5 times between XX/XX/XXXX and XX/XX/XXXX trying to find out the status of my closing. At some point in this timeframe, I received a notice from XXXX XXXX, Director of Closing Operations stating they would be working on my closing. I tried contacting Ms. XXXX 4 times between XX/XX/XXXX and XX/XX/XXXX to find out the status, with no luck. Finally, A gentleman named XXXX called me back saying they were waiting on a payoff amount from XXXX XXXX and that he needed a signed borrower 's authorization from me to be signed, scanned and emailed back, which I did. Meanwhile, on XX/XX/XXXX I received a notice from XXXX XXXX, Loan Processor indicating that my loan application had been conditionally approved and that she would be my contact going forward for a closing by the end of XXXX. On XX/XX/XXXX I received an email from Ms. XXXX stating she needed updated mortgage pay history and paystubs, which I sent immediately. I also reached out to XXXX XXXX via email to discuss the terms of my loan to be sure that what I was reading was indeed correct, i.e. $ XXXX paid toward credit card and money back at closing. Let it also be noted that at some time after the appraisal came through ( XX/XX/XXXX ) I asked about the appraisal being $ XXXX while the loan documents indicated the value of the home was $ XXXX and I was told that they would still process the loan amount for $ XXXX. On XX/XX/XXXX, I received an updated revised loan estimate from XXXX XXXX still indicating an estimated Property value of $ XXXX ( LTV 80 % ) with $ XXXX being paid to my credit card company ( XXXX ) but only receiving back {$4800.00} at closing now with estimated closing costs of {$14000.00}. On XXXX XXXX, I received notice from XXXX to review the disclosure, sign and send back. I was told that my loan was at the " top of the pile '' to complete since it had been since XXXX when we started this process. On XXXX XXXX I received a Closing Disclosure from XXXX XXXX that still showed a loan for $ XXXX on a LTV of 80 % and a payoff of $ XXXX toward my credit card and {$4800.00} back to me at closing. Shortly thereafter, I tried contacting XXXX several time requesting that I would like to close by the end of the month ( XXXX ) with no response. Finally, when I did get ahold of her, she indicated that my paperwork was going through final closing and it would be a matter of days. On XX/XX/XXXX, I received an email from XXXX XXXX stating he wanted to update me on my loan. He indicated that XXXX had spoken to me about the appraisal coming in low and that it would prevent me from receiving any equity out of the home ( credit card payoff of $ XXXX and cash to borrower at closing ). He offered an alternative option of 2.95 % on a 30 yr. loan.
At this point I immediately responded back to XXXX with the following email : Neither XXXX nor anyone else has ever mentioned that the refinance would not go through as written up and signed off by me. In fact, early on, when I asked about the appraisal not matching the contract, I was told not to worry that Caliber would be going through with the loan as written. This is absolutely outrageous for you to now tell me after 4+ months of waiting and working on this that you can not honor your loan offer! This has been an absolute total waste of my time and Im going to contact the XXXX and the powers that be that govern your industry and lodge a complaint. Not only that, Im going to talk to my attorney about this whole episode.
If you think that I would accept your alternative option or ever do business with Caliber Home Loans again, you must be out of your mind. Not only have I been basically lied to, but it was like pulling teeth to even get information from anyone in your organization or a call back. Extremely poor service!
By the way, however you got that ridiculous telephone number for me only exemplifies how inept and out of touch with your clients your organization is.
XXXX XXXX responded to my email on XXXX XXXX with the following : First I want to start off with saying we are very sorry for any inconvenience. Allow me to look into your file and see what may of happened and how we can correct It. I would like to make things right and once again Im very sorry for any troubles. Please allow me until end of business Tuesday ( XXXX XXXX ) to figure what can be done here and speak with all the parties involved on your file. I could get back to you sooner but Tuesday end of business is the latest. Please email a good contact phone number for you so I may call you as well.
On XX/XX/XXXX I received a new disclosure from a XXXX XXXX from Caliber, dated XX/XX/XXXX, showing a revised appraisal of $ XXXX and a loan amount for $ XXXX at 2.875 %. With paid discounts and closing costs totaling {$13000.00} and a $ XXXX payoff of my credit card leaving me to BRING {$29000.00} to close! This was compared side by side to the last loan estimate of $ XXXX with {$10000.00} in closing costs, payoff of $ XXXX to my credit card and $ XXXX toward my original loan resulting in {$9300.00} BACK to me at closing. So how in the world does this even make sense?! Would anyone agree to bring $ XXXX to closing to include a pay off on a $ XXXX credit card? This is so ridiculous, I couldn't even begin to understand the reasoning behind this offer. At this point, I reached out to CFPB to complain.
|
| 12/31/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
The homeowner believes her consumer rights have been violated by the lender, XXXX XXXX. In XX/XX/XXXXthe homeowners loan was serviced by another lender. Under the 1st servicer the homeowner was considering to look into refinancing her home because her husband became ill and he was the household wage earner. However, due her spouses suddenness of his illness and later his death, she decided not to pursue the offer by 1st lender because the modification was at a higher interest rate than the current 7.875 %. However, the lender restructured mortgage by adding a deferred balance to the 1st mortgage. It appeared the lender added an erroneous deferred balance as a second mortgage lien. The homeowner continued to pay her mortgage. The homeowner never agreed to a modification or any consolidation that would cause a deferred balance to be added to the primary loan. Within the last 12 months, the homeowner had missed 5 months on her mortgage, but she requested a loan modification. Now the lender wants to combine the deferred payment with the mortgage balance. The homeowner was very reluctant to sign the loan modification, but was told by the Caliber Home Loan Servicer rep, that if she did not sign, foreclosure proceeding will begin in XX/XX/XXXX.
PLEASE NOTE THE FOLLOWING FACTS : After transfers of the loan mortgage to two different servicers, Caliber Home Loans became the servicer of the mortgage. The homeowner made inquiries about the deferred balance to the new servicer. The servicer stated that it appeared to be attorney fees related to foreclosure proceedings. The homeowner stated that she had missed payments in the past when her husband became ill and died, but she caught the payments up. The representative stated that the reason for the lien of deferred payments attached to the mortgage to be attorney fees from the last servicer that held the loan. The homeowner stated that she nor her deceased husband signed any documents to receive a deferred balance.
In XX/XX/XXXX, the homeowner fell behind on the mortgage 3 payments, the homeowner submitted a Request for Modification application and supporting documentation. In the process of waiting for the underwriters decision, the homeowner called the customer service line to receive a status on her application, the Caliber Home Loans representative told the homeowner to send in {$2500.00} to receive a more favorable result in obtaining a loan modification.
XX/XX/XXXX : On XX/XX/XXXX the homeowner obtained a cashier check and sent it to the servicer. The servicer sent the payment back to the homeowner. The homeowner then deposited the check back into her account. She called the servicer ; the representative stated that she needed to send the {$2500.00} to receive the approval from underwriting for the loan modification. Unknown to the homeowner, Caliber Home Loan sent in the mail correspondence dated XX/XX/XXXX that she was approved for a Trial Period Plan. The homeowner did not realize she had been approved, until she took all her paperwork to a HUD Approved Housing Counseling Agency.
XX/XX/XXXX : The Certified HUD Counselor helped the homeowner comb through all the paperwork, then realized that a trial period plan had been approved. On XX/XX/XXXX, the counselor contacted the lender because the agreement had a 1st payment of {$830.00} for the trial period plan dated for XX/XX/XXXX. The counselor requested on the behalf of the homeowner to have the {$2500.00} returned so that the homeowner could make the first trial period plan. The representative stated the payment had been set back on XX/XX/XXXX, and the homeowner should have it within in a day from the date of the call. The counselor stated it was important that the money is returned in order to make the trial period payments.
XX/XX/XXXX : On XX/XX/XXXX, the counselor contacted Caliber Home Loans to follow-up regarding the returning of the {$2500.00}. The representative at Caliber Home Loans stated that the funds were sent back to the homeowner. The representative emphasized that the first payment of {$830.00} must be received by XX/XX/XXXX or the trial offer will be revoked. The counselor informed the homeowner of the need to send the 1st trial payment ASAP. The homeowner borrowed the money from a friend in order to send {$830.00} to the lender to ensure that she did not lose her home.
XX/XX/XXXX : On XX/XX/XXXX the counselor spoke to Caliber Home Loans representative, XXXX ( employee # XXXX ). During the phone call the representative confirmed that the lender had received the payment of {$2500.00} and it was applied to all three of the trial period payments. Therefore, the lender had not sent the payment back to the homeowner as per their system and documented conversations with the client and counselor. The representative expressed that a permanent modification was approved on the spot. The counselor requested that the {$830.00} be returned to the homeowner so that she could use it as her 1st payment for the modification on XX/XX/XXXX. The rep stated that the payment would be sent back and the first payment would be due XX/XX/XXXX.
XX/XX/XXXX : The homeowner went to the bank to determine if the cashier check for {$830.00} had been cashed. The bank validated that the lender did cash the check.
XX/XX/XXXX : The homeowner received a letter dated XX/XX/XXXX outlining the terms of the modified loan. The letter states the homeowner must send in with the signed agreement {$740.00}. There was no documentation of receipt the cashiers checks for {$2500.00} and {$830.00}. The summary of the terms stated the following : o Unpaid balance : {$100000.00} ( 1st lien mortgage and the deferred balance of {$25000.00} ) o Interest Rate : 3.5 % o Monthly payment : {$390.00} o Escrow payment : {$340.00} o First Modified Payment Date : XX/XX/XXXX o Maturity Date : XX/XX/XXXX The homeowner feels XXXX to the unexplained deferred balance that has no explanation by the lender. Caliber Home Loans refused to remove the deferred balance from the modified loan. The homeowner wanted to refuse the offer because 1 ) she believes the servicer applied the erroneous amounts to strip her from the equity in her home and diminishing any opportunity to refinance with another lender without incorporating the erroneous fee into the new mortgage. 2 ) the homeowner signed the loan modification, because she did not want to lose her home to foreclosure.
The homeowner is requesting the CFPB to investigate the reason for the lenders applying the erroneous deferred balance to her loan. She believes she has a predatory loan, and the deferred balance was added to the loans in order for the lenders to strip the homeowner of the equity out of her home. She wants the deferred balance removed from the loan so that she can have an affordable modified loan at a lower interest rate.
|
| 09/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I was on a COVID forbearance for 12 months as approved by my lender, Caliber Home Loans. XX/XX/2022 I contacted/called my servicer to resume payments as per the requirement and their advice that I contact them mid-month ( XXXX ) before the COVID forbearance was to end in order to resume payments. In the XX/XX/XXXX call the Caliber agent let me know I would resume the mortgage, and offered me a few options ( payback the lump sum, make payments, hold it for repayment upon sale of the house, or a hardship refinance to 40 years ). I opted to resume my regular payments per my initial mortgage and then to hold the past amount due to be paid upon any future potential sale of the house -- and the Caliber agent let me now they would be formalizing an agreement for me to sign and then they would be mailing paperwork/the agreement for me to sign. A week later, end XXXX, I had not received the paperwork and was concerned about getting the paperwork back on time to Caliber. I called Caliber back and let them know I was concerned and asked about the paperwork. They said they had not mailed it yet - and that I should wait. I waited another week + a few days - no paperwork. I called Caliber again they said it could take 30-40 days to get the paperwork out and they did not know when it would be mailed. I asked about other options ( electronic agreements ) they said they needed hardcopies/inked signatures and I should wait for the agreement in the mail. I asked what would happen if everything was late and how does that work in terms of me making a mortgage payment. They said I could resume payments once the paperwork was processed- no problem. On XX/XX/XXXX I finally received the paperwork in my mailbox. I noticed the Agreement said it must be returned to Caliber by XX/XX/XXXX, but I did not receive it until after that deadline. I called Caliber XX/XX/XXXX and said I just received the paperwork after the deadline that it was due. They told me to return it anyway and that I did not have to make a payment until the paperwork was processed. Things continued to be delayed, not to worry. Per the agreement, the first resumed mortgage payment would be due XX/XX/XXXX. I understood from the Caliber agent that I was on track and that a mailing of XX/XX/XXXX ( day I signed/mailed it back ) would provide Caliber the time they needed to process the signed agreement or they would bump the mortgage back to a later start with no issue or effect. The agent also told me they needed a signed copy and that it should be an inked/wet signature because I asked about electronic paperwork completion which they said was not an option due to the required signature. I signed/mailed the paperwork back on XX/XX/XXXX ( attached copies below of what I mailed to them ). Today, XXXX XXXX, I got a call from Caliber saying that because I did not return the paperwork by XX/XX/XXXX ( 4 days before I actually received the mailed agreement ), that the agreement was null/void and they needed to look at other options for repayment and repaying/refinancing my mortgage. I spoke at length with the Caliber agent re all the details above, and they provided NO flexibility, saying that they were not responsible for the delayed us postal system and the agreement was void. I asked why the agent told me otherwise in the calls I made prior to having received the paperwork and then also the day I received the paperwork - they did not respond to those questions. I asked them how I could return paperwork on time if I had not received until after the deadline passed and then the agent at Caliber on XXXX XXXX informed me I had no cause for concern and they would just process/restart my mortgage once the agreement was received- no mention of altering mortgage terms, agreement or payback. They agent today did not respond or answer that question/point and again repeated that they couldn't be responsible for the US postal system for delayed mailing. I asked why they didn't mail it certified to ensure it was received on time as I had called several times asking where the agreement was. No response from the agent. She THEN told me that had they received the paperwork by XXXX XXXX, that would have allowed time for holding to the agreement they mailed but she said it was XXXX XXXX and which is a week past the XXXX XXXX, 'internal/secret/real ' deadline. I reiterated that I mailed it back XXXX XXXX - and asked what the postmark was on the return mailing and when they received it - the agent said they processed it today. I asked again what the postmark was and when they actually received it and she did not know/could not tell me. I said today is XXXX XXXX- Monday XXXX. XXXX was a holiday ( and per the agent they don't work on weekends ) -- I explained that conceivably the paperwork could have arrived in their office on Friday XXXX XXXX ( 10 days after I mailed it ) to meet that 'internal/secret ' deadline but they had not opened or logged it. The agent had no response to that. I asked why they did not call me on XXXX XXXX if they had not received it - I would have FedExed a copy from the records I saved. The agent did not respond to that. I understood from all my call to Caliber over the year and especially since XXXX, that I was ON TIME - ( and I had no reason for concern because I was PLANNING FOR THIS RESTART ). Now I feel they are changing the terms and trying pull a fast one -- by mailing late paperwork, by not honoring the agreement that we have in place which puts my first restart mortgage payment on XXXX XXXX of this year- which I am prepared to pay and have been planning for. Even though today is XXXXXXXX XXXX -- 24 days before my XX/XX/XXXX mortgage is due, they are providing NO flexibility to hold to the term of what I understood was our solid agreement, with time to still make that happen. If I had ANY concern when I mailed the documents, I would have called Caliber daily to ask if they received it but the agents I spoke with did not EVER speak to a change of terms if they paperwork was not processed or not received because by the time I received it - it was already late! I am shocked and very nervous that this servicer could hit me with a huge repayment plan then also refinance my mortgage at a much higher rate -- none of which I can afford. Last we left it, the agent could not resolve anything so a supervisor or manager is going to call me back 'within XXXX business days ', which again, seems a hugely lackadaisical approach for a consumer/solid citizen who has really done everything right to honor/hold to the agreement that I understood was in place, and is now fearing the loss of my home due to increased payment amount/mortgage terms. ( I am STUNNED that Caliber would have delayed mailing to prevent delivery until a due date was past and then takes no responsibility for that. )
|
| 09/16/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Im filing a complaint against the mortgage company, Caliber Home Loans.
There are three parts to this complaint : ( 1 ) Caliber Home Loans loans made an error in executing my closing documents for my refinance done in XX/XX/XXXX, specifically they neglected to include my windstorm insurance in the necessary closing documents. ( 2 ) Because of this mistake, the issue has escalated, and Caliber Home Loans will now not allow me to close my impound account due to " insurance reasons '' - denying my several requests to do so. ( 3 ) Furthermore, Caliber Home Loans has since charged my impound account again with an additional escrow shortage amount for XXXX tax estimation.
On XX/XX/XXXX at XXXX HST, I called Caliber Home Loans to figure out why my request to close my impound account was denied again. I spoke to XXXX ( ID XXXX ) a mortgage specialist who couldnt tell me why they denied my request to close escrow. She then connected me with the insurance department, where I was connected with XXXX XXXX. ( a Caliber insurance agent with no identification number ), as well as XXXX ( ID XXXX, a Caliber Customer Service Agent ). I asked the representatives the following questions : ( 1 ) Why was my request to close my escrow account denied, although I had no shortage due, a XXXX balance, and Caliber had just honored my request to close my impound account regarding taxes? ( 2 ) Why isnt Caliber accepting my request to close my impound account in its ENTIRETY- for both taxes AND insurance? ( 3 ) Furthermore, why is there a new shortage balance in my impound account of {$540.00} when I just paid everything off?
I spent over three hours on the phone with these agents trying to get to the bottom of the issue.
In regard to the new escrow shortage balance, I was told by XXXX that, Your New Escrow Analysis statement indicates you are {$270.00} short - this is the amount that you are short for the amount Caliber is anticipating to pay out in XX/XX/XXXX to renew your insurance policy. Also, your escrow account requires you to have a minimum required amount in which your account can't get below. Your required balance is 2 monthly escrow payments for the new base escrow amount - hence {$270.00} for the required balance. Add these two numbers together, and you get your new escrow shortage amount of {$540.00}.
As of XX/XX/XXXX, I acquired my own insurance policies for both my homeowners and windstorm. I submitted evidence of these insurances to Caliber, which they honored and approved. Therefore this charge for an anticipated XX/XX/XXXX insurance amount is not justifiable given that Ive taken full responsibility for my insurances and no longer want/require/need a lender-based policy from Caliber Home Loans.
XXXX and XXXX then spent a couple hours with me trying to figure out why Caliber Home Loans would not honor the closing of my entire impound account even after several requests to do so. After much digging and research, the agents discovered the source of the problem- the agents who handled my closing documents on the refinance of my home in XX/XX/XXXX made an error and did not include my windstorm insurance in the necessary closing documents. I have had a lender-placed windstorm policy with Caliber in my previous loan and this refinance, meaning Caliber held responsibility for this upon closing. Windstorm insurance is required in the state of Hawaii, and must be a part of the executed closing documents. My windstorm insurance- which was a lender based policy through XXXX XXXX- WAS in place upon closing ; however Caliber failed to include the windstorm policy on my closing documents and therefore it wasnt paid at closing. Caliber later corrected their mistake by paying for the already in place windstorm insurance via XXXX XXXX, but failed to include it in my closing documents. This mistake made it look like there was a lapse in coverage, but there was not. This mistake made by Caliber in the closing process is the reason they will now not accept my request to close my impound account.
XXXX and XXXX both took the time to go through my previous insurance policies, all of which were lender based policies by Caliber Home Loans. XXXX, the insurance agent, declared that, There was never a lapse in your insurance coverage for either homeowners or windstorm. The problem is that upon the closing of your refinance, even though your XXXX XXXX homeowners insurance was paid at closing, the windstorm was not paid NOR was it included in the documents. However your XXXX XXXX windstorm insurance was already in action, but because it wasn't in closing documents, thats where your problem is. There was never a lapse, just an error made in the closing process.
XXXX and XXXX XXXX told me that they didnt have a solution because the Caliber insurance department would not rectify my situation. They suggested that I go back to my title company and speak to my closing representative. So I did just that.
On XX/XX/XXXX - I called XXXX XXXX XXXX XXXX XXXX and spoke to XXXX ( an agent ) about my closing package, and upon her examination she also stated that there was an error made in regard to the windstorm insurance policy not being included in the necessary closing documents. XXXX explained that the mortgage company is the one who configures what the closing costs are, which insurance companies are to be paid and how much, taxes, etc. The title company simply disburses those funds to pay the premiums, insurances, property taxes, etc .... If the windstorm didnt get paid upon closing ( even if it was in place ) and it wasnt included in the closing documents, thats Calibers mistake. She stated, The title company handles theyre standard title fees, and they go off of what Caliber requests for its fees. Caliber did not include the lender-based windstorm insurance policy, therefore it wasnt paid by XXXX title. Furthermore, she stated that given my previous loan AND my refinance were both with Caliber Home Loans, they were certainly leading the charge on closing.
Even though Caliber paid the windstorm insurance after the fact ( i.e. after closing ), they failed to include the necessary item in my closing documents ( see attached ), including : ( 1 ) Initial Escrow Account Disclosure Statement ( 2 ) Closing Disclosure Document ( 3 ) On my loan application- they did not include XXXX insurance on the breakdown of payment.
This mistake made by Caliber during the closing of my refinance is the source of the insurance issue that is now impeding me from closing my impound account with Caliber Home Loans. Additionally, I am now wrongfully being charged for an estimated insurance coverage for XXXX although Caliber already honored my homeowner-based insurance policies as of XX/XX/XXXX.
|
| 06/07/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
The problems I had with CALIBER HOME LOANS started on the first day I contacted them and continues to this date despite the fact that I closed over a month ago.
XXXX XXXX XXXX XXXX XXXX Mr. XXXX manager XXXX XXXX Mortgage Processor Consumer Direct XXXX XXXX Ms. XXXX Manager at the time of closing I was seriously considering refinancing my existing mortgage with Caliber and cashing out some of the equity hoping to draw approximately {$50000.00} out. On XX/XX/XXXX, I spoke with XXXX XXXX to get information and explore my options. He said he would explain all my options after he ran my credit rating, received other documents including the appraisal on my house.
For the most part everything went relatively smoothly although I found myself educating Ms. XXXX on several topics. For this purpose, I will concentrate only on the Application Process : Credit Decision and incomplete information. I will follow with the closing problems and finally the post closing issues.
Application Process.
I was advised that my mortgage credit rating came in at XXXX due to an alleged serious delinquency. I explained this {$160.00} charge was caused by a billing error from a former cable company which I disputed with the cable company, collection agencies and had documentation showing it was resolved. The interest rate quoted was 5.375 % ( compared to 4.1 % I was currently paying.
XX/XX/XXXX. Mr XXXX to me : When we get toward closing processing orders an updated mortgage credit score and if it has gone up since we started you will gain the benefit of that. I think we talked about that when we were talking about your scores but better to hear it twice than not at all I explained I would dispute the issue with all 3 credit agencies. I successfully disputed the charges and notified Mr. XXXX and XXXX XXXX on XX/XX/XXXX showing the delinquency had been removed from my credit reports Incomplete Information provided to me : As stated initially, I was hoping to cash out about {$50000.00} using some to pay off debt for which I was paying {$530.00} a month. That would leave about {$35.00}, XXXX cash minus closing costs. Some of the {$530.00} would go towards the increase in my mortgage and the rest to savings. The balance on my existing mortgage was {$100000.00} and the appraisal came in at {$220000.00} equity enough to cover my tentative plans.
I received the Conditional Approval for Mortgage Loan in the amount of {$140000.00} XX/XX/XXXX Me to Mr. XXXX I just received Loan Estimate documents which I need to review, sign and return .Maybe I'm thick but ... .. My whole goal was to cash out some of the equity in my house amounting to about {$50000.00}. I don't see that reflected anywhere in the documents. How does that work?
I never heard back with an explanation. The loan was for {$140000.00} which was not close to satisfy my tentative plans.
CLOSING : I received the Mortgage Loan Disclosure on XX/XX/XXXX the day before scheduled closing. Nothing had changed including the XXXX credit score and 5.375 % interest rate.
Below is the email exchange between me & Mr. XXXX and cc Ms. XXXX on XX/XX/XXXX Wednesday, Why hasn't my credit score improved? The " serious deliquency/negative '' has been removed. I sent documentation. NOT HAPPY. I might just postpone closing and pay the {$160.00}, ... ....
On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX XXXX wrote : Are you asking us to repull your credit and get an update?
Me : Absolutely!!! I thought that was clear from day 1. That delinquency was a mistake. I never owed them a penny. I explained that! I disputed it. I sent you proof it was removed! My credit score For MORTGAGES improved. I sent that to you, too. Why do you even have to ask unless you just want the sale. Really?!
XXXX We have to ask your permission of course. My manager XXXX called you. Have you called her back? Her email is below on my email as well Me : No calls on my home phone from her. I am assuming she was given my cell phone although I have said, on several occasions, not to use that number. Ask my permission? I instructed you to re-check the score in the email below. That, too, was discussed during my initial phone call with you. We were also supposed to go over different scenerios to see which best met MY needs once you got all the info. That never happened either. Nothing like waiting for the last minute. I suggest that you change the closing date to allow for the additional snafus which should happen. I am NOT A SATISFIED CUSTOMER and one more thing and I will cancel the deal and work with someone else. Unbelievable!!!
On either XX/XX/XXXX 0r XX/XX/XXXX, I received a call from XXXX XXXX. I explained that I wanted them to pull an updated credit report. His response was We cant change your credit score. I told him I did not expect him to change my score. I explained the serious delinquency dispute and resolution. The credit agency changed my score and I wanted that used. His response, again, was We cant change your credit score. We repeated this dialogue a few more times. He finally said he could lower the interest rate to 4.99 %. He offered no explanation for either statement. It was obvious he just wanted to close the deal and, quite honestly, I was beside myself with frustration and I agreed.
POST CLOSING : Starting XXXX ; Emails between me & Ms. XXXX According to the closing documents, {$10000.00} was due to me. The money transferred to my checking account was {$9900.00} which is short by {$160.00}. Explain please.
XXXX XXXX I will reach out to closing/title and get an answer to your question XXXX XXXX The Closer reached out to me this morning. She had to set up Escrows for the new flood policy adjustment. I ask her to send me a revised Closing Disclosure and she will have it to me by the end of business today.
XX/XX/XXXX Me : So? I never received the revised Closing Disclosure promised by end of business last Thursday. Mr. XXXX sent me a new set dated XX/XX/XXXX but it doesn't address this issue. I have checked all the documentation I have and can not figure out how and why {$160.00} was deducted to allegedly cover a ( prepaid ) increase in my insurance of {$110.00}. The increase in insurance happened way before the closing documents. I want a very detailed accounting of how they came up with a shortage of {$160.00} in addition to the {$460.00} " cushion ''.
I have heard nothing! Yesterday, I received an escrow refund of {$1300.00}. Therefore, I do not believe the {$160.00} was deducted to cover a {$44.00} increase in flood insurance which I paid at the time it was increased ( there was also an increase in hazard insurance but together they only totaled {$110.00} both prepaid ) I believe that I was lied to on several occasions as outlined above.
|
| 08/28/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
In approximately XXXX, XXXX XXXX granted my XXXX, a XXXX XXXX XXXX retired widow on a fixed income, a {$270000.00} XXXX mortgage with no escrow account. Unable to pay the mortgage, property taxes, insurance, utilities, repairs/upkeep and prescription drugs, foreclosure was threatened. I became my XXXX XXXX of Attorney, assisted with the Modification, which was granted in XXXX. A XXXX XXXX Deed added my name to the property, and regular timely mortgage payments were made.
My XXXX passed away on XXXX XXXX, XXXX. XXXX XXXX was notified of her death. XXXX XXXX claimed there was an {$8000.00} escrow shortfall due to the redemption of property taxes that had occurred prior to the XXXX modification. We believe this amount should have been included in the XXXX modification. The monthly payments were increased, a tenant moved out, major repairs were necessary and in late XXXX or early XXXX, the mortgage was in arrears, having become, once again, unsustainable.
Sometime in XXXX XXXX, XXXX XXXX retained XXXX XXXX XXXX, XXXX. to pursue foreclosure proceedings. Their Special Process Server ( XXXX XXXX, XXXX XXXX ) claimed that on XXXX XXXX, XXXX, at XXXX p.m., he served a XXXX Woman, with brown hair, aged XXXX, who was XXXX XXXX XXXX in XXXX XXXX XXXX inches tall. My Illinois XXXX drivers license states that I am XXXX ft XXXX inches tall, and XXXX XXXX XXXX as of this writing. Im actually XXXX feet tall. I was never served. Hes never seen me and Ive never seen XXXX XXXX.
On XXXX XXXX, XXXX, I was residing in an apartment complex with XXXX units in XXXX buildings with identical apartment numbers in the XXXX and XXXX towers. The affidavit does not state an apartment number where the affidavit was served. I was never served.
After receiving correspondence from XXXX XXXX, the modification and assumption process began, I submitted the paperwork and made XXXX trial period payments to XXXX XXXX. I then received a letter stating that the servicing of the loan had been transferred to XXXX XXXX Loans, I made the third trial period payment ( ATTACHED ) to XXXX XXXX Loans.
The terms of the modification offered by XXXX XXXX Loans were very different from those being offered by XXXX XXXX.
XXXX XXXX received a letter dated XXXX XXXX, XXXX, from XXXX XXXX Loans, notifying her that, effective XXXX XXXX, XXXX the mortgage loan had been sold to XXXX Master Participation Trust. ( ATTACHED. ) XXXX XXXX modification/assumption agreement principal balance was {$120000.00} with a maturity date of XXXX/XXXX/XXXX. XXXX XXXX Loans principal balance was {$130000.00} with a maturity date of XXXX/XXXX/XXXX ; {$12000.00} and 7 years/7 months was added to the life of XXXX XXXX Loans offer. Fair property value on comparable values at that time was {$96000.00}.
Simultaneous with the assumption and modification process, there was a claim filed because of major weather/water damage that had occurred in the spring of XXXX. XXXX XXXX decided that they wanted to manage the funds from the claim, and before a claims check would be mailed to pay the XXXX, I would have to make a trial period payment. I am including a worksheet that shows the events of the modification, and claim.
The repairs took XXXX seasons Spring through Fall. The repairs should have taken XXXX days.
XXXX of the many questions I had was whether the assumption or the modification occurred first. I was reassured when I was told by a XXXX XXXX representative that the modification would not have been approved without the assumption occurring first, which seems appropriate since a deceased person can not enter into a contract.
XXXX XXXX Loans stopped giving me information on the mortgage, claiming I was not an authorized borrower on the mortgage and that XXXX XXXX had not transferred the authorization for me to receive notification/information on the loan.
XXXX XXXX Loans began sending correspondence to the XXXX of XXXX XXXX.
Im not sure why, but some company began posting vacancy notices on the door of the property XXXX XXXX. ) That property has been occupied by my family since XXXX, and continues to be.
The foreclosure proceeding was resumed. I was NOT NOTIFIED.
XXXX XXXX XXXX representatives began telling me that I needed to proceed with XXXX. There is no will. The intent of the XXXX XXXX was to avoid XXXX. XXXX XXXX Loans did, however, stress that they participated in the XXXX Hit XXXX, and I might qualify for this program. I was dismayed, since XXXX XXXX had allowed me to enter into a modification program, make trial period payments, gave me all the information about the loan that existed, communicated with me about the property damage claim that occurred in XXXX, XXXX and continued through XXXX, XXXX.
Working with XXXX XXXX has been painful. The mortgage crisis impacted property values in our area and for my family in a manner that we have not recovered from, although a large percentage of the country has recovered. The property is located in a minority community. The impact of the mortgage crisis has had long-term and far-reaching effects. XXXX XXXX business practice continues to impact us negatively.
I have no idea if anything can be done to assist us/me because XXXX XXXX XXXX XXXX, XXXX XXXX court date was to approve the sale of the property. The foreclosure was approved XXXX XXXX, XXXX.
I have lived with the failure of the modification/assumption, and XXXX XXXX Loans refusal to give me information, for many sleepless nights and for months. In XXXX XXXX, after learning that XXXX had resumed the foreclosure process. I hired an attorney in an attempt to Quash the Special Process Servers claim that I was served. Although an affidavit was filed, refuting the Process Servers claim, the XXXX in the case denied the motion ; an appeal is underway to reverse the XXXX ruling. In the mean time, there is a good chance we will lose our home.
I have no idea what, if anything can be done regarding our situation. XXXX XXXX, XXXX XXXX Loans and their investors prey on consumers. Their reputations in the industry are not positive. XXXX XXXX has engaged in various unethical practices involving mortgages, opening unauthorized accounts and escrow accounts, and both companys employees have been under investigation for a considerable amount of time https : //caliber-home-loans.pissedconsumer.com/complaints/RT-P.html https : XXXX? XXXX I made XXXX trial period payments, in good faith, only to be told that the mortgage had been transferred, at which point the process fell apart. I have spent a great deal of money on repairs to the property and to address the claim.
I need your help. Please review the attached documents, and advise if there are any options for us. We wish to keep our property.
|
| 06/20/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XXXX XX/XX/XXXX Thanks for your response to the complaint and for the opportunity to appeal Since I was not agreed with the answer regarding the shortage letter and the PMI removal issue, I am making a more sustained complaint appealing to you hoping this time got a fair solution to the problem.
I was collecting information from different sources to better support my complaint.
I requested a Closing Packet to Caliber Home Loans in XXXX XXXX. It took so long and other weird things happen during the delivery but finally I received almost together Two Closing Packets. I was expecting an addendum to the closing like stated in the original mortgage documents but no the HUD-1 Settlement Statement was matching the original mortgaged documents received for me at XX/XX/XXXX without XXXX XXXX signature. ( No way to see the real and final form, never have been sent to me ). Also, no documents stating that I have XXXX XXXX Mortgage.
I was told the home was a bank owned house, a Caliber Home Loans/Bank house.
I was told by a Caliber Home Loan customer service representative that my loan never has been sold. No documents, nobody told at any time that I was applying for a XXXX XXXX Mortgage, no documents stating in the original mortgage documents neither in the Closing Packets sent from Caliber Home loans recently.
I was looking for some advice to understand the escrow account. I contacted XXXX XXXX XXXX, President/CEO of XXXX Agency. Agency in charge of my escrow account, XXXX XXXX XXXX. He delegates in XXXX XXXX and Finally was XXXX XXXX who had a new Closing Mortgage Packet prepared for me. In front of XXXX I was reviewing the documents and I was one more time surprise how crazy have been the process buying my house. The HUD-1 form printed from the original documents signed and filed one year ago now came from that special printer without signature, it was signed by XXXX that day. I asked why you signed the document? and she said because XXXX XXXX is longer working with us could you believe that? There is not respect you can not trust in anybody eve when they pretend to be nice and professional. In conclusion nobody had the knowledge to explain the escrow and other things to me. I am sending a copy of document signed by XXXX XXXX.
I consulted a Real State Attorney he shows me all the money paid in advance stated at the final HUD-1 Settlement Statement Document and gave some advices followed for me during the appeal process.
Annexed Documents : - Seller Documents - Insurance Documents - Signed Release Documentation Form - All the payments made - Disclosure and activity of the escrow account provided for Caliber.
- Copy of the initial escrow account activity from the Closing.
- Short letter ( escrow activity too ) - Taxes XXXX form ( escrow activity.
- More.
Shortage Letter I paid in advance {$700.00} to Caliber home Loans Inc, XXXX ( The seller ) for 7 months taxes at $ XXXX/month.
I paid in advance {$200.00} Homeowners Insurance to Caliber Home Loans, Inc XXXX ( the seller ) for 3 months at XXXX/month.
I paid in advance {$800.00} to Homeowners Insurance Premium to XXXX XXXX XXXX XXXX per 12 months.
After those payments made in advance I do not have any problems with the Homeowners Insurance payments, 12 months payed in advance {$800.00} ( {$760.00} Total premium, {$39.00} charged also I do not know why? ). I understand I was Short when the taxes payment was made leaving a negative balance in the escrow account but no agree with the sum of {$3300.00}.
I am sending to you a disclosure of the payments sent to me from Caliber Home Loans Office in XXXX XXXX that explain clearly the payments and the negative balance of the escrow account. The same information meaning the numbers are different in each document I am sending 3 of them so you can make the comparison and see that nothing matches. Annexed The explanation of the payments sent for the Caliber home loans Office, The Short Letter explanation and the taxes documents.
Paid in advance {$700.00} and {$200.00} total {$900.00}.
I have a remaining of {$400.00} for the taxes payment.
Escrow account start {$500.00}.
Payment start in XX/XX/XXXX and no in XX/XX/XXXX like stated in the shortage letter.
Total available {$900.00} Escrow start {$500.00} All payments annexed.
INTEREST PRINCIPAL ESCROW PMI ESCROW {$500.00} {$500.00} remaining {$400.00} XX/XX/XXXX {$1300.00} {$750.00} {$230.00} {$330.00} {$160.00} {$660.00} XX/XX/XXXX {$1300.00} {$750.00} {$230.00} {$330.00} {$160.00} {$830.00} XX/XX/XXXX {$1300.00} {$750.00} {$240.00} {$330.00} {$160.00} {$1000.00} XX/XX/XXXX {$1300.00} {$740.00} {$240.00} {$330.00} {$160.00} {$1100.00} XX/XX/XXXX {$1300.00} {$740.00} {$240.00} {$330.00} {$160.00} {$1300.00} XX/XX/XXXX {$1300.00} {$740.00} {$240.00} {$330.00} {$160.00} {$1500.00} XX/XX/XXXX {$1300.00} {$740.00} {$240.00} {$330.00} {$160.00} {$1600.00} + {$400.00} available {$2000.00} {$3200.00} - XXXX = - {$1200.00} XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX - {$1000.00} XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX - {$880.00} XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX - {$720.00} XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX - {$550.00} - {$550.00} Homeowners Insurance - {$760.00} - {$1300.00} Real negative balance - {$1300.00} Like the escrow at this point is XXXX I am adding {$500.00} to the negative balance - {$1300.00} - {$500.00} = - {$1800.00} They are charging me {$1500.00} more and it is not fair.
Paid in XX/XX/XXXX {$92.00} Paid in XX/XX/XXXX {$92.00} total {$180.00} {$1800.00} - $ XXXX= {$1600.00} is the short now.
ESCROW {$500.00} XX/XX/XXXX {$1300.00} {$740.00} {$240.00} {$330.00} XXXX {$660.00} ( XXXX )? XX/XX/XXXX {$1300.00} {$740.00} {$250.00} {$330.00} XXXX {$830.00} ( XXXX )?
{$500.00} XX/XX/XXXX {$1500.00} {$730.00} {$250.00} {$330.00} XXXX {$1100.00} ( XXXX )? XX/XX/XXXX {$1500.00} {$730.00} {$250.00} {$330.00} XXXX {$1500.00} ( XXXX ) XX/XX/XXXX. Per Caliber Home Customer Service Representative {$92.00} of the monthly payment is going to the payment of the shortage.
Homeowner Insurance Enclosed the home owner police XX/XX/XXXX XX/XX/XXXX with total premium {$710.00} and XX/XX/XXXX-XX/XX/XXXX with total premium {$760.00}.
I do not understand a charge of {$39.00} to the total premium, could you please help me to understand that too. {$39.00} per 30 years make a difference, right? Thanks in advance.
Regarding PMI I do not have a XXXX XXXX Mortgage.
I am still doing some research about the PMI and I am asking you to help me understand the original documents enclosed in the complaint regarding PRIVATE MORTGAGE INSURANCE NOTICE page 1 and page 2. Thanks in advance.
|
| 10/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Introduction : We were advised to get a mortgage with a feature called recast, knowing that we would utilize the recast as soon as possible to significantly reduce our principal balance within approximately 6 months after originating our mortgage.
We were charged PMI premiums when our LTV was less than 40 % for an entire year, totaling {$2000.00}.
We were told by the Mortgage company that we should have read the fine print or asked about it. We feel like we are ordinary consumers with average intelligence, and there is no way we could have been expected to know this without guidance from our Loan Officer or the people or processes in place at Caliber Home Loans. We also feel like this situation could be easily remedied going forward and should be in order to protect other consumers. We feel like it is common knowledge that PMI isnt required below 80 %, and we assumed PMI would be removed once our LTV went below that.
What we attempted : We called/emailed both our Loan Officer and Caliber Home Loans several times over the course of 6 months trying to get resolution. We explained the situation and asked for reimbursement of PMI premiums paid during the time when our LTV was lower than the threshold required. Caliber Home Loans was the originator and is the servicer of our home loan. In almost every contact, we urged Caliber to reach out to the Mortgage Insurance company to ask about premium reimbursement, and to our knowledge they never did inquire. We dont know which of the 6 Mortgage Insurance companies they use, or we would have inquired directly. We also were never provided an opportunity to speak with anyone in the PMI Department at Caliber Home Loans.
Why we think this is important : We think there is an easy remedy to future situations like this. Calibers claim is that there is no way for them to know when LTV goes below the required threshold, and thus the consumer needs to request removal. In their stated opinion, the only automated way to remove PMI is to get to the exact payment in the amortization schedule that originally established 78 % LTV.
My wife happens to be a XXXX XXXX at a XXXX XXXX company. She is of the opinion that it would be easy to code any number of different solutions that would keep the consumer in the loop and prevent them from paying unnecessary PMI premium payments.
An additional important consideration : I have a friend who is in XXXX at one of the 6 Mortgage Insurance companies in the US. When I explained the details of our situation, he suggested that we should go through the process of asking for reimbursement because the insurance company would want to make the situation right. He looked to see if his company was the one that had our policy as he would be able to authorize the refund. Unfortunately, his company did not write our policy. He gave me specific steps to follow and told me that the company would cooperate because they consider it important to be transparent and act in the consumers best interest. He also suggested that I file a formal complaint with the CFPB if I didnt get resolution.
Pertinent Questions : Is PMI necessary at 40 % LTV?
Would anyone recommend PMI with a 40 % LTV?
Would there be any benefit to the consumer to keep paying for PMI on a loan that goes below the PMI threshold?
Is it possible or even likely that a consumer who initiates a recast could go below the PMI threshold?
Would it be easy for a servicer to notify a consumer who initiates a recast that their PMI situation could change?
Would it be easy for a servicer to determine when LTV may have gone below the PMI threshold? IF so, would it be easy for them to notify the consumer?
Detailed description, timeline, and documents : We wanted to sell our current home in one town and purchase a condo in a different town. Our Loan Officer that was referred by our Real Estate agent advised us that there was a newer loan product feature on the market called a recast. This would allow us to purchase the condo prior to the sale of our current home. We would finance the new condo at an LTV of 95 % ( which requires PMI ), and then after the sale of the original home, we could recast the loan by paying down any amount of the principle without having to refinance the loan, thus saving the cost of a refinance. Our Loan Officer knew we only wanted to carry a $ XXXX mortgage on the new condo as soon as we could ( the purchase price was {$580000.00} in a rapidly rising real estate market and our original loan amount was {$550.00} ). The cost to recast our loan was {$250.00}. Nowhere in any of the communications from the Loan Officer or Caliber was there any suggestion or advice about the state of our PMI going forward. We just assumed that once our LTV went below the 80 % threshold that the PMI payments would be dropped.
We discovered we were still paying PMI one year after the recast. Once discovered, we called Caliber and emailed our loan officer. Here is a rough timeline of our attempts : XX/XX/2021 Called Caliber after noticing PMI was still being charged. Asked about having it removed, initiated that process, and then asked about premium payments being refunded. Was told I needed to read the fine print.
XX/XX/XXXX XX/XX/2021 Email conversation with Loan Officer ( All pertinent emails attached ).
Talked with several people at Caliber between XXXX and XX/XX/2021 : Started with a customer service person who escalated to XXXX XXXX ( employee # XXXX ) He basically said I should have read the fine print or asked about it. We had several conversations that went nowhere. I asked him if he could just tell me who the Mortgage Insurance company was, and he told me he couldnt. Im guessing our conversations were recorded. He escalated me to XXXX.
XXXX ( employee # XXXX, not sure if spelling is correct ) This is the person XXXX elevated our situation to. She told me I needed to submit a formal letter requesting the Premium refund ( attached ) by uploading it through the Caliber system online. This conversation took place on XX/XX/2021 and she told me she would watch for it, submit it to the PMI Department, and get back to me at the beginning of XXXX.
Never heard back so I called again in XXXX and asked for XXXX by her employee number. Was told she was in a meeting but that the person I was talking to could help me ( XXXX??? ). She looked in the notes for my account and said there was a response from the PMI Department dated XX/XX/XXXX saying no to our request. We were never contacted or informed. I asked her to please let XXXX know that I was going to file a formal complaint with the CFPB. She said ok.
|
| 07/29/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
On XX/XX/XXXX we purchased an XXXX 's farm house in XXXX with my realtor XXXX XXXX using XXXX XXXX XXXX and the lender, Caliber Home Loans , Inc . The previous owner was an investor who purchased the home for approx. $ 70k and did major renovations. The interior was completely restored from the exterior studs in, including hardwood flooring, subfloors, heat ducts, new wiring throughout with main fuse box, water lines from the meter in, total kitchen renovation including appliances, 3 total renovated bathrooms, as well at a new 2000 sq. ft concrete driveway. Seller was asking {$190000.00} which we assumed was market value due to upgrades. We put in a purchase agreement. At time of the PA, we we working with a different lender, XXXX XXXX XXXX. They ordered an appraisal that had come back under asking price of {$160000.00}. The seller agent requested a review for it was $ XXXX difference. The appraiser re-reviewed and came back with approx. $ 6k more, still a major disparity. The selling agent rescinded PA. The selling agent came back to table with an offer for us to use their lender, Caliber Home Loan and felt confident it would appraise at asking price and that we would not have to pay for the second appraisal. The appraisal from Caliber Homes came in at asking price. We closed with {$1200.00} mortgage payment with an estimated monthly escrow was {$150.00}.
Fast forward to XX/XX/XXXX. Even though we had timely paid our monthly payments, Caliber Home Loans sent us the yearly escrow statement that was showing arrears of {$3700.00}. Within 4 months of ownership, in XX/XX/XXXX, we had already been in escrow arrears over {$1500.00}. And yet, no one alert us of such. It stated that Caliber had not collected enough to cover the tax increase. The closing disclosure stated projected monthly estimated taxes was {$150.00} but should have been {$320.00}. That is more that 100 % increase. I called Caliber Home Loans and all they could tell us was that the taxes increased and they do not have any control. We went to the XXXX XXXX Treasures office for explanation. We were told that we had been 100 % homestead for the whole year, so that was not the reason for the tax increase. We reviewed the tax history print out of our home. Prior to the investors purchase of the house in XXXX, it had a state equalized value of {$29000.00} due to previous owners long ownership. Once this investor renovated the home, the state equalized value uncapped and more than doubled to {$67000.00}. The treasurer stated this happens all the time that the wrong tax year is used for mortgage processing which is deceiving and financially devastating to new home buyers. We were also told, and, its noted in the Michigan Tax payers guide that the local assessor determines the assessed value of property based on the condition of the property on XX/XX/XXXX of the previous year. We had viewed this property, to consider purchasing, between XXXX and XXXX XXXX of XXXX, so the renovations had been completed and the value of the home accounted for by the local government. At anytime after XXXX XXXX and, before our mortgage closing the accurate state equalized value of {$67000.00} was available to accurately be declared for potential purchase costs. We had made it clear to the realtor and lender at the time of this mortgage that we had reached our comfort price point with a {$1200.00} monthly mortgage payment and could not go any higher due our structured economic situation at that time. So that means someone did not do their job correctly or the lower State equalized value was used to make the monthly payment more attractive and affordable.
After careful review of the Initial Escrow Account Disclosure statement, the closing disclosure, the tax information form, the borrower settlement statement form, and the XXXX settlement statement from our mortgage paperwork, as well as getting real estate counsel on RESPA, Truth in Lending and Good Faith Estimate and how it affects buyer and lenders, we found gross errors that we now see as fraudulent or at best negligent. These gross errors increased my monthly mortgage payment from {$1200.00} to {$1700.00}. That is unreasonable to expect a consumer, in our income bracket, to bear. That is over {$120.00} a week increase.
It was also found the very expensive XXXX XXXX tax was omitted from the Initial Escrow Account Disclosure statement, the tax information form and the closing disclosure.
The questions we have : How can an appraisal have a $ XXXX disparity, between lenders, only to work in the best interest of the seller? Does it not make the impression of collusion?
How can a credible, ethical lender not know that is it not possible for a {$190000.00} home to have a {$1200.00} monthly mortgage payment? Just based on experience of processing thousands of mortgages? How a lender could expect a buyer to know that? is that not what the lender is paid for? They are the experts.
How could any broker/ lender expect a buyer, ( who is not a licensed real estate agent & who pays the experts thousands of dollars to bring currant and accurate information to this legal document ), know the tax rate of a home of interest. Its not required to have the buyer research and bring findings to the mortgage closing to compare information.
How can a lender/ real estate broker ( who is paid and licensed to oversee that the mortgage is executed with currant, accurate, legal information, i.e., Good Faith ) did not verify current tax information? Is that what they are legally required to do and are paid thousands of dollars for?
How can a lender leave off vital property tax information from the mortgage contract and not be held accountable for the repercussions it takes on the buyer?
This has put undue hardship and stress on us. We stand to lose our home or file bankruptcy. We want to keep our home but are not prepared for a dramatic increase in our mortgage payment that is not due to our errors. We are not disputing the taxes. We understand, it is what it is, but the lack of currant, accurate documentation caused us to make a financial decision based on bad information. We would have turned down this mortgage if the monthly payment was over {$1200.00}.
Caliber Home Loans was sent a Notice of Error letter. Their response was not acceptable and did not fit the errors committed.
How does this get rectified or made whole again? We are asking for restitution in the most urgent manner. We appreciate any and all help you can afford us.
|
| 09/30/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Caliber Home Loans Inc. Gave False and Misleading information to Floridians during the Wake of a Federally Declared Natural Disaster Hurricane Irma.
On XX/XX/XXXX I received an email for Caliber home loans Inc. Subject : Disaster Assistance. I called Caliber to asked what assistance they had available due to additional expensed as a result from hurricane Irma. The rep I spoke with named XXXX told me that Caliber was offering and 90 day Deferment to borrowers in federally declared national disaster areas. XXXX assured me that caliber was there to help. and did n't want customer to worry about mortgage payments. At that time I offered to make my XX/XX/XXXX. payment which was already past due. XXXX said not to make the payment the DEFERMENT will cover XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and I would have ONE PAYMENT DUE on XX/XX/XXXX first. I asked very specific questions she assured me this would n't impact my credit escrow or payments. she assured me it was not a modification it was simply a DEFERMENT caliber was offering for disaster relief. she advised me the only thing I 'd need to sign was to agree to have the 3 payment applied to the end of the loan. She asked would I like it mailed or emailed I asked it be emailed. I asked when I should expect the doc she told me it came from different department but should receive it soon. she assured me everything was set and that I will make ONE PAYMENT ON XX/XX/XXXX and regular monthly payments thereafter.
On XX/XX/XXXX after not receiving the letter I called caliber and spoke with XXXX XXXX he advised me that he did see that I was enrolled in the 3 month DEFERRAL PROGRAM and one payment would be due in XX/XX/XXXX. He told me that if I did n't get the letter in a few weeks to call back but not to worry because it was in the system. I then asked XXXX to assure me that I was n't going to be expected to make 3 payments in XX/XX/XXXX ( id asked this because others I know where getting told this from different companies and I wanted to be sure ) XXXX said No. He said this is disaster assistance and having to make 3 payments at once would not help anybody. He said this is a deferment nothing more and 1 regular monthly payment will be due in XX/XX/XXXX.
About a week after speaking with XXXX and not receiving any Letter I called caliber again on XX/XX/XXXX and spoke to XXXX XXXX. XXXX revived my file and said the letter had just went out that day for the approval of a 6 MONTH DEFERMENT!! I asked that XXXX explain and told him I thought it was only 3. XXXX then said that 's what we are offering for the disaster but it looks like FHA approved you for six. he reviewed my records and said yeah your first payment is due on XX/XX/XXXX for your regular monthly payment. he said the letter had gone out and will include this information. XXXX assured me that my credit would not be impacted and the six payment would be applied to the end of the loan not tacked into my XX/XX/XXXX payment.
On XX/XX/XXXX I received a letter in the mail from Caliber advising me that my account had placed in a single point of contact program regarding assisting me to keep my home. Very alarmed I called Caliber and spoke with XXXX. I asked her to give me more information and XXXX proceeded to tell me that due to me being in a 6 MONTH FORBEARANCE ( first time anyone had every mentioned forbearance during this process ) the Single point of contact would help if I had questions. of course I told XXXX that I 'd never asked to be in any forbearance program that I was originally offered a 3 month deferment. She then reviewed the notes and seemed puzzled she said she was going to review the letter that went out me stating the terms. She read in the letter that ALL SIX PAYMENTS WOULD BE DUE ON XX/XX/XXXX. I was so upset I explained to her this is n't what I was offered, needed and was never advised this. I asked her to email the letter so I could review it for myself. and she did. XXXX seemed just as disturbed as I did after reviewing my file and seeing the notes from the previous reps. she let me know that I 'd receive the letter via email within 2 hours for review. After reviewing the email I was in shock that everything XXXX had told me up until this point was an absolute LIE!! I then called back again and was on hold for over ten mins. When the call was finally answered it was a Rep named XXXX. I asked to speak directly with a Manager XXXX verified my account and attempted to assist me. not to my surprise he already knew what the issue was because they 'd been receiving other complaints. He begun to say that none of the False Information was Calibers fault and that the FHA had Provided the servicer with incorrect information and all the problems were the FHA 's FAULT. He went on the blame the FHA when I stopped him and asked again for a manager. he placed me on hold for about 10 mines then said that no managers were available. I asked him to provide me the names time date and ID 's of everyone I 'd spoken to and he did.
I 've never filed a complaint and my life but I 'm doing it today. What caliber did was ILLIGAL.
They intentionally omitted material fact that caused me financial harm and possible foreclosure.
They advised me not to make my XX/XX/XXXX payment as it would be covered with the deferment. XXXX suggested I use this money for repairs since the 3 month deferment would cover the XX/XX/XXXX payment.
THEY ASSURED ME I 'D ONLY HAVE ONE PAYEMENT DUE AND MY CREDIT NORE ESCROW WOULD BE IMPACTED.
AS A RESULT I ACTED ON THE INFORMATION USE FUNDS TO ASSIST WITH REPAIRS AND ADDTIONAL EXPENSES I 'D INCURED PREPARING FOR THE STORM AS A RESULT OF ACTING ON THIS MISLEADING INFORMATION CALIBER PROVIDED I 'M NOW FUTHER PAST DUE ON MY MORTGAGE AND UNABLE TO MAKE MULTIPLE PAYMENTS TO AVOID COLLECTION OR FORECLOSURE.
Below I 'm including the dates, times, name, and teller id 's of each person I spoke with for your investigation. I encourage you to determine how many other Floridians were given the false misrepresentation for disaster assistance from caliber.
Thursday XX/XX/XXXX XXXX XXXX Teller ID XXXX Monday XX/XX/XXXX XXXX XXXX XXXX Teller ID XXXX Tuesday XX/XX/XXXX XXXX XXXX XXXX Teller ID XXXX Thursday XX/XX/XXXX XXXX Spoke to XXXX Teller ID XXXX Thursday XX/XX/XXXX XXXX spoke to XXXX Teller ID XXXX This was predatory in the wake of a natural disaster. And I 'd like to be made whole by Caliber Home Loans. Inc.
Thank you for your time and attention in the matter.
|
| 04/25/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
The reason for this complaint is three employees of Caliber Home Loans fraudulently misrepresented terms of the loan that were not disclosed on any of the paperwork or disclosures sent to us for this refinance.
On XX/XX/2019 I was approached by my mortgage lender, Caliber Home Loans, to do a refinance on my home. I was told by XXXX XXXX ( XXXXXXXX ) the benefit to refinance include about a {$1100.00} refund from the PMI company because we were refinancing under a certain period of time, a refund of our escrow at closing, which was approximately {$4700.00}, and we would be skipping the subsequent month 's payment. The total cash benefit to us was about {$7000.00}. In addition to this XXXX indicated we would be saving over $ XXXX/month on the total mortgage payment and eliminate PMI. XXXX said, from what she could see, the home value was at a place that refinancing made sense, despite my concerns of being approached by Caliber representatives before and others stating it was not. She said it was. With these representations I agreed to allow them to run my credit. She ran my credit while on the phone. During this same conversation, we discussed adding my husband to the deal. She ran his credit as well. We decided at the time it did not make sense, and we agreed to move forward with myself as the sole borrower, and I paid a {$99.00} appraisal fee.
The appraisal was conducted, and came in lower than XXXX assured me it would. Then, on top of that, she claimed to have read my credit report wrong and all of a sudden saw my car loan which has been on my credit report since XX/XX/2019. XXXX unilaterally then tried to change the terms of the refinance, claiming I no longer qualified for what she presented on XX/XX/XXXX. We then agreed to put my husband back in the mix as co-borrower, and XXXX promised she would use the same credit reporting done on XX/XX/XXXX. Almost immediately after we hung up the phone, we learned XXXX ran my husband 's credit again, and that caused his score to drop significantly. Two hard inquires in a short period of time was a hit. XXXX flat out lied, and we had provided proof to Caliber home loans, and their associate XXXX XXXX ( XXXXXXXX confirmed for me Caliber did run the credit twice, proving XXXX lied. After days of attempting to have a reasonable conversation with her, of which she is incapable of doing, I was able to speak with her manager, XXXX XXXX ( XXXXXXXX ). He became my POC from that point forward. He said he would take over the file and work with underwriting to make the deal work, as XXXX initially presented to me.
It took a couple weeks going back and forth because of the addition of my husband to the file, the lower appraisal, and the review of our credit reports, however, XXXX eventually confirmed he was able to work with underwriting and the initial presentation of what XXXX had provided to me did not change. We were still able to have the same program, same interest rate, etc. Nothing changed. We agreed to move forward.
After more weeks of providing an unreasonable amount of paperwork and jumping through several hoops for XXXX 's document requests, we were able to schedule closing on the loan. I have reviewed every disclosure provided from XX/XX/2019 up to and including the date of closing. At no time in this paperwork did we agree to, sign with authorization, or get provided any sort of document allowing Caliber Home Loans to take our escrow fund, which was not their money to use, and apply it to the principal of the loan.
The loan closed on XX/XX/2019. We went through every document with the closing specialist and even discussed the escrow refund with her, and no document did not indicate this was happening.
I followed up with XXXX XXXX on XX/XX/2019 to clarify a few follow-up details - when would the escrow refund be processed, when would my loan be visible on line, and when would the refund from the PMI company be processed.
It was during this email conversation that XXXX XXXX disclosed Caliber Home Loans used the escrow balance of approximately {$4700.00} to put money toward the principal of the loan.
Caliber Home loans never disclosed this, nor did they have permission from me to use the money set aside in the escrow account for taxes and property insurance to pay the principal of the loan, to serve their needs, not mine as the mortgage consumer.
It is apparent that XXXX XXXX, XXXX XXXX and XXXX XXXX made misrepresentations and withheld significant details in order to close this loan. We were required to sign an Anti-mortgage Fraud Statement certifying everything we represented was true. I had to sign a statement that said the funds used in the closing were not obtained or borrowed from any source not disclosed on my application. I never agreed to allow Caliber Home Loans to use these funds as closing costs or down payment. Further we were asked, by the closing agent, to sign a " borrower 's certificate of refinance loan benefit '' certifying that one of the statements were true. Everything about this loan went up - interest rate, principal & interest payment, total debt obligation, etc. There was no benefit to the loan except for these three things ( {$1100.00} back from the PMI company, skipping XX/XX/XXXX 's payment, and the {$4700.00} refund on escrow ), which was outlined in the last bullet indicating cash back at closing on this refinance certification, and why we were doing this in the first place. We relied upon the statements we would receive money back after closing, with an eventual total of about {$7000.00} when all said and done.
We were misled by these three people into a refinance that was fraudulently represented. Had any of this been disclosed before or at closing, we would have not moved forward as there is absolutely no benefit to us.
We feel that Caliber Home Loans owes us the refund of the escrow balance on the account as of XX/XX/2019, which was {$4700.00}.
|
| 02/06/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I purchased my home in XX/XX/XXXX for {$250000.00}. It was in need of work throughout, so we put 5 % down knowing we had a lot of remodeling ahead. As of today, weve invested almost {$40000.00} toward improving the inside and outside of the home, plus the market in our area has continued to improve. Between our renovations and the market improvements, our home is now worth significantly more than the original purchase price.
I contacted our mortgage company, Caliber, in early XX/XX/XXXX and requested they secure a Broker Price Opinion, which is the first step in having our PMI removed. We pay around $ XXXXmonth in PMI and want that gone now that weve done so much remodeling. Their paperwork mirrors XXXX XXXX policy on PMI removalif a loan is less than 2 years old but significant improvements have been made, PMI can be removed based on its CURRENT loan to value.
The BPO was performed on XX/XX/XXXX, and Caliber sent me my copy of the BPO on XXXXthe appraiser documented much of our remodel work in the BPO and opined the value went from {$250000.00} to {$280000.00}. We owe approximately {$230000.00} on the home, so we knew wed need to pay XXXX {$9500.00} to bring the balance to 80 % LTV based on the new appraisalnot a problem at all, were happy to do it and Caliber had assured us this would be an option shortly after we closed on the home and began remodel work.
I reached out in early XXXX via phone and was told several inaccurate thingsthe loan wasnt eligible for PMI removal because it was less than 5 years old, another representative told me it needed to be at least 2 years old to be eligible, and finally a third rep told me my loan would need to reach the maturity date for PMI removal regardless of any increase in value, BPO, or early payments.
In frustration I opened a complaint with the CFPBfor some reason this is no longer in your system, but I did get a call from a nice woman who encouraged me to communicate in writing with Caliber creating a paper trail and avoiding the folks in Customer Service who likely dont know what theyre talking about.
Ive been messaging Caliber for 2 months now, and theyve done nothing but make their incompetence clearer and clearer. Im very clear in my messagesIm seeking PMI removal, Ive had a BPO done, my balance is X, my current value is Y, significant improvements have been made as documented in my BPO, please confirm a payment of Z will bring my LTV to 80 % and my PMI will be removed. In response to these clear messages Ive received 2 BPO request forms ( the same form I completed to start the process, as if Id never had one done to begin with ), one incomplete form letter saying my LTV is ( blank ) and that my home isnt eligible for PMI removal because the loan is less than 2 years old, another form letter stating my LTV is 83 % and not eligible for PMI removal, and yet another that didnt seem relevant to my situation whatsoever. Ive asked on several occasions to have a case opened and a manager assigned to assist me, someone with a name and a direct phone number who knows what theyre doing, and I get told things like, Yeah I understand your frustration, Ill have a manager reach out in 24-48 hours, only to hear nothing in return.
I threatened to file a lawsuit on XX/XX/XXXX and noted their conduct appears intentional and was assured a manager would call me. I received a call me back in 24 hours. I received a call from XXXX in Collections on XX/XX/XXXX while I was tied up and asked if I could call her backshe agreed that I could call her back, but Id need to call in through the 1-800 number and ask a Customer Service rep to transfer me to her. I called back on XX/XX/XXXX, left her a message requesting she call me back, and didnt get my call back until XX/XX/XXXX.
When I finally got to speak with XXXX in Collections, I politely explained my frustrations and what Id been trying to do. She agreed to help get my information to the PMI Department and asked many questions. Finally, toward the end of the call, she advised me we have little time to get all this sorted out because my BPO will expire 120 days from completion. I had no idea their egregious incompetence was my barrier this whole time while a deadline closed in. This sent me through the roof. XXXX in Collections took my information, and agreed to call me back in the same day.
I missed her return call, but callled back a few moments later and a Customer Service rep refused to transfer me to her and instead read me the last note XXXX in Collections had posted to my fileevidently the PMI Department has now lost my BPO and theyd like me to send them my copy by fax.
Im nearly 3 months into this, and have come to expect nothing but ignorance from these people, and whats worse, my only out is to refinance my home with another company or pay the loan in full as I work against what seems like a constant barrage of roadblocks intentionally set to prevent me from getting my PMI removed. Id be happy to jump through their hoops, send before and after photos of the work weve done, cleared checks, a list of the work, vendors, and associated costs, but Im not even being asked for these things. Instead, I keep getting told to go back to square one and request another BPO. Is this what theyre pushing me to do in hopes the next BPO will come back with a lower value than the first? I hate to think thats the case, but its hard to imagine these people are just careless and not a single bit of what Ive been put through is intentional.
Please help me, I have no idea what else can be done. Im preparing a draft complaint and hope to get it to their Legal Department, but Id really prefer they do whats right, confirm I can make a payment of $ X.XX and my PMI will be removed, then I can focus on getting my loan paid off.
|
| 03/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In early XX/XX/XXXX, I received an Escrow Statement dated XX/XX/XXXX indicating there is a shortage in my escrow account in the amount of {$2000.00}. It went on to state my new monthly mortgage payment will be {$1100.00}. beginning XX/XX/XXXX.
I have only had this loan since XX/XX/XXXX, so it puzzles me how there could be a shortage of this magnitude after only 12 months. Obviously someone failed to do their job correctly at the start of this loan.
As I want to keep my mortgage payments at the same monthly amount Ive been paying in XXXX, I decided to make two payments in XX/XX/XXXX, into my escrow account, to zero out the escrow shortage.
On XX/XX/XXXX, I called and spoke with a Caliber rep at their XXXX phone number who explained to me that I can go on their website, choose to make an escrow payment, that I can make more than one payment and each time a payment is made, my monthly mortgage payment should be recalculated to reflect this. So that same day, I made a payment of {$1200.00} toward the escrow deficit.
On XX/XX/XXXX, I once again made a payment in the amount of {$810.00} dollars into my escrow account to zero out the entire escrow shortage. When I checked my account on Calibers website, it did not reflect my payment of XX/XX/XXXX had even been credited to my escrow account. I then called Caliber customer service and spoke with a rep who indicated that what he was seeing in his system did show that my payment had been applied to the escrow shortage and he wasnt sure why it was not showing the same on my end. He could also already see the payment I made that same day ( XX/XX/XXXX ) was showing pending. He plugged the figures into the system and stated my new payment, as of XX/XX/XXXX, should be {$960.00}. He was going to send this to the Escrow Dept to recalculate my payment so the correct amount would be deducted for my auto pay for XX/XX/XXXX. ( 22 mins ) On XX/XX/XXXX, {$1100.00} was deducted from my credit union through my auto pay to Caliber.
So as of XX/XX/XXXX, neither of the escrow payments I made in XXXX ( XXXX & XX/XX/XXXX ) had been factored in to recalculate my new mortgage payment.
The way I see it, I never authorized {$1100.00} ( XXXX additional principal payment for a total of {$1100.00} ) to be deducted from my credit union as I had already eliminated the complete escrow shortage.
On XX/XX/XXXX, I called Calibers service center as I wanted to speak with a supervisor to get this mess straightened out. I explained everything that had transpired and that as Im looking at my online Caliber account, it STILL does not show my payments on XX/XX/XXXX & XX/XX/XXXX as being credited to my escrow account. Supervisor XXXX ( no ID or last name provided to me ) stated that his system shows my payments were credited to escrow and the COMPANY IS AWARE THAT THIS INFO DOES NOT SHOW CORRECTLY FOR CUSTOMERS. This is unacceptable in my opinion as I want to know exactly where the payments I make are credited to. ( 31 mins ) XXXX explained that he is going to escalate this to a supervisor in Escrow Dept to get this resolved. As I stated to XXXX, I have other auto payments about to come due and I needed the overage that was taken out of my bank account reversed so the money would be sent back to my credit union. I also explained that I needed him to call me the next day to let me know what transpired as calling them yet again takes away my business production as I sit on the phone and make my way through their phone tree. He agreed to call me the next day, XX/XX/XXXX.
XX/XX/XXXX came and went with no return call from XXXX and no money credited back to my bank account.
XX/XX/XXXX, I called Calibers customer service, the rep had to search back through the notes to figure out which supervisor ( XXXX ) I had spoken to as I was not provided any ID or XXXX 's last name, and then to learn that he wasnt even available on either XX/XX/XXXX or XX/XX/XXXX ( so how was he even going to call me back on XX/XX/XXXX? ) ; she would send XXXX an email to call me on Saturday, XX/XX/XXXX. I pushed to speak with any supervisor that day as I want to know whats going on with my account. I was told there was no supervisor available for me to talk to. She will send an email out to another supervisor but that it could take 24-72 hours for me to receive a return call. In my opinion, this is totally unacceptable to not have a supervisor ( s ) on staff and available any time their customer service center office is open and answering calls.
( 28 mins ) XX/XX/XXXX, I received a letter dated XX/XX/XXXX indicating my new mortgage payment, as of XX/XX/XXXX is {$980.00}. This amount must be the {$960.00} ( the amount that I was told on XX/XX/XXXX my new payment would be + {$25.00} for my additional principal payment ).
Today is XX/XX/XXXX and I still have not received a return call from any supervisor, nor has the unauthorized overage deducted from my credit union account on XX/XX/XXXX been returned to me.
******Where did the additional money from my XX/XX/XXXX ( {$160.00} ) get credited?
{$1100.00} Deducted from my credit union account on XX/XX/XXXX {$980.00} ( {$960.00} new payment amount + {$25.00} addl principal payment ) __________ {$160.00} unauthorized overage taken from my credit union account ; which to date has not been reversed and returned to my credit union nor have I received notification of it being credited to recalculate a new monthly mortgage loan payment amount.
After being on the phone close to a total of 1 1/2 hours, it seemingly appears the Escrow Dept and Supervisors are incapable of completing important tasks correctly and timely, so at this time, I feel I am left with no option but to file a complaint with the CFPB.
|
| 01/27/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I was contacted back in XX/XX/XXXX by mail and phone per XXXX XXXX XXXX Caliber Homes Sales Manager/NMLS : XXXX ). After talking with Mr. XXXX we agreed we'd like to move forward with the re-financing program. We were assured we would have everything wrapped up within 30 to 45 days and that it did not need much documents since we were already Caliber Home customers. All that was required per XXXX XXXX was an unexpired driver 's license, Social Security verification and Utility bill which were emailed back XX/XX/XXXX to Mr XXXX XXXX. Mr XXXX advised that we had already locked in the interest rate and that we had nothing to worry about. On XX/XX/XXXX, Ms/Mrs. XXXX XXXX ( Caliber Homes Loan Processor/NMLS : unknow ) reached out to us to let us know that we should expect to close within the following weeks and that she would be sending docusign documents via email over to sign so we can process all paperwork to underwriting. My wife and I completed the documents the same following day and we didn't hear anything back until XX/XX/XXXX.
XX/XX/XXXX Contacted that the closing disclosure was emailed to us and that we needed to sign.
We signed that same day and sent it back.
XX/XX/XXXX Contacted again via email with new Closing disclosures to sign.
We had concerns with the paperwork and called XXXX which she assured us that it was just updated closing documents. We signed the documents and sent them back.
XX/XX/XXXX We received another email with updated loan disclosures. Called XXXX and she explained that because it has taken a bit longer than usual the numbers did get adjusted. We then again signed the documents that day.
XX/XX/XXXX We received blind disclosures with updated numbers. At this point we were really concerned with the process. I reached back out to Mr. XXXX and he apologized. He said he would be in contact with the loan processor and will get back to me.
XX/XX/XXXX Finally received an email which I was CC 'd in that explained the processor is still working on final numbers and that will be in touch.
XX/XX/XXXX Called Manager and Processor. Left Message on both phone. No Call Backs XX/XX/XXXX Received an email from processor explaining we missed a signature. Signed and dated XX/XX/XXXX XX/XX/XXXX Called Manager and Processor again to follow up. Left message on both phones again. XXXX called me the next day and said he will check up with processor to see where we are at in the process.
XX/XX/XXXX Called Manager and Processor again to follow up. Left messages again on both parties phone. I even sent an email out CC'ing the manager, processor and my wife.
XX/XX/XXXX I received a reply back from XXXX saying due to the holidays, a lot of people might be trying to catch up on work and to give the processor some time to get to my file.
XX/XX/XXXX Received a follow up email in which I was CC 'd with processor saying she did not remember our file at all and that everything was a blur. Will try to get documents over to underwriting.
XX/XX/XXXX Received another email from processor explaing these are new docusign documents needed to sign in order to process closing. Signed imeediately that day and send back via docusign.
XX/XX/XXXX Tried Calling both processor and Manager. Left messages on both phones. Never received a call back.
XX/XX/XXXX Tried calling both the processor and Manager. Left messages on both phones. Never got a call back from either.
XX/XX/XXXX I received another blind docusign package from loan processor. Tried contacting Manager and processor due to questions in updated numbers. My wife and I signed the documents immediately anyways and sent it back.
XX/XX/XXXX Tried Calling both Processor and Manager again with no answer. Left messages again.
XX/XX/XXXX Received email from Manager explaing that he sent the processor an email and she has not been able to get back to him. I tried calling him immediately as I received the email. Still no answer.
XX/XX/XXXX ( Saturday ) Tried Calling Manager and Processor again to follow up. No answer. Left messages again for a call back.
XX/XX/XXXX Tried calling Manager and Processor again to find out where we are at. Left message again with no reply 's whatsoever.
XX/XX/XXXX Received an email from Caliber Homes XXXX XXXX ) - You now have a new loan Processor ( Mr. XXXX XXXX XXXX. I replied to Mr XXXX via email the same day and explained to him my displeasure with the refinancing process.
XX/XX/XXXX Received a phone call from the XXXX ( XXXX XXXX ) and I explained to him that I was not happy with the process thus far. I explained that I am in need of a Manager and that I would like one to contact me immediately.
XX/XX/XXXX Received a phone Call ( XXXX XXXX ) from XXXX XXXX Manager XXXX at Caliber Homes. Explained my displeasure with the process. XXXX apologized and explained that she could cancel the application or continue processing it. Before I could even answer her, my phone died.
XX/XX/XXXX Tried Calling Manager back but I did not have a direct number so I was unable to contact her.
XX/XX/XXXX I just received an email from Caliber homes ( XXXX XXXX XXXX stating they have since cancelled or withdrawn my loan application. Nobody has confirmed any cancellations.
My wife and I have been with this company since XXXX XXXX. We've been loyal customers to this company, recommended them several times and spoke highly of them before but after going through all of this, It has come to my attention that the company needs re-structuring and training. It has also come to my attention that they also have extremely bad business practices and Caliber Home has NO interest in providing sub-par customer service.
|
| 01/18/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I Filled out a completed Loan modification package from day one when Caliber Home Loans sent me a package to complete after I contacted them asking them to help me due to the facts that I had became ill and unable to work way back in early XXXX around XXXX to XXXX. Every single times when I provided them all the documents that they need, they would confirm receipt and then when I would call them later on to check on my case someone else in their customer service department would deny receipt ... it was a very confusing communication back and forth with them along with frustration on my path .... I could not determine if what they were telling me was truth or not. I had also notified them back then that I was a victim of identity Theft so the 4506t form I filled out and submitted to Caliber via fax was not accepted by the IRS as per Caliber and when I spoke to someone at the IRS about this the IRS told me that they have to mail my tax transcripts to me personally and that Caliber Home Loan already knows that they cant give them my Tax transcripts for XX/XX/XXXX and XXXX at the time due to my Identity Theft status. The representative at IRS also told me that Caliber Home Loans knows what to do when a customer of them has this status.I did later receive from the IRS in my mail box my tax transcripts which I faxed to Caliber which a customer service representative confirms receipt and still explained to me that they still cant accept the transcript from me ... .Anyways I told the representative, he was a male figure at the time of the conversation. I ended up calling back the IRS and told them that Caliber is still refusing to accept the transcript directly from me and thats when a representative told me to download a 8821 form, fill out my section and forward it to Caliber so that Caliber can complete their section then forward it to them at the IRS so that they, the IRS can give Caliber my tax transcript directly since they refused to accept it from me. I completed my section and uploaded it to Caliber from my online mortgage account billing that I had with them and Caliber later confirmed receipt of the 8821 form. It was another male representative I spoke with back then and he said that he would forward the form to the IRS to receive my tax transcripts.rest assured I had already provided them with the transcripts before, but I guess maybe they want to be difficult. Between late XXXX and mid XX/XX/XXXX I received a letter from Caliber stating that they had received a completed file and for me to give them 30 days to review my file.to see what Loan Modification Help that Im qualified for. I did not heard from them at all about the final findings of their review and during my time waiting, Caliber filed a foreclosure lawsuit against me so I had to seek an attorney to defend my home from being forclose. I couldnt pay both lawyer and Caliber Mortgage at the same time .... so I ended up until now accumulating more and more unpaid mortgage payments and late fees. My attorney found Caliber was in error of wrongfully forclosing my home without offering me any loss mitigation assistance whatsoever in other words they did not follow the government guidelines to try and offer me the right help and all those programs that they had back then are now gone due to their deceptive and negligent unethical behavior towards me. I was not treated fairly and honestly. There was a lawsuit filed against them by my attorney back then which they claimed they settled in mediation, even that they were deceptive with ... they were supposed to pay my attorney for there work but they did not pay them as required of them and my attorney ended up taking the money that they Caliber should have paid them out of the settlement that they Caliber Home Loans claimed to have awarded me so I ended up getting barely anything out of it, which again is so inhumane and unfair, unfair. After the back and forth court sessions was completed now present day and year XXXX I reapplied to Caliber for Loan modification and during their review process again they filed another premature, wrongful foreclosure again ; repeating again what they did to me back in XX/XX/XXXX, they let the judge ordered my home foreclosed and to be sold at auction on XX/XX/XXXX.When I called Caliber Home Loans and brought this to their attention they immediately filed an emergency motion to cancel the sales date.Three Times now I reapplied to them for Loan Modification and they denied me. I even went as far as writing a letter to the main office for Caliber Home Loans to ask them if they can differ the late payments and mortgage payments accumulated on my Loan due to the fact they were the one who filed wrongful foreclosure on my home prematurely back in XXXX when I went to them for help to save my home. Right now Im a single mother with XXXX minor children and Im going through a XXXX XXXX right now, I dont think its fair for me and them to go on the streets due to Calibers deceptive wrongdoings.They denied me the three government Fha help and they claimed that I owe too much in the arrears on my mortgage payments and that this is one of the reasons they can not qualify me for a Loan Modification ; but the irony is that they are the ones that caused this by being deceptive and predatory. They didnt even tried to offer me in house help. I write the main office of Caliber which is located in Oklahoma since in Early XXXX of XX/XX/XXXX via certified mail but up until now I havent received any form of answer from them. Please look into this situation for me and see what can be done. Thank you.
|
| 08/29/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Our goal is to prevent a foreclosure on the above property, currently scheduled for XX/XX/XXXX and to obtain a settlement of the alleged default.
We are in possession of information which strongly demonstrates that errors during the servicing of the note have occurred and lead to violations of my clients due process and statutory rights. We therefore insist that you suspend foreclosure proceedings for 60 days in order to adequately investigate these errors and make suitable corrections.
Dual Tracking has taken place. Dual Tracking is where a servicer is simultaneously evaluating a customer for loss mitigation options at the same time that it prepares to foreclose on a property. On XX/XX/XXXX, I sent in a complete loan modification application which contained all of the documents that had been requested by Caliber Home Loans. On XX/XX/XXXX, I spoke to Caliber Called Caliber Home Loan @ XXXX, spoke with XXXX ( Id : XXXX ), she file is in review for Modification but they need the below requested documents, Documents fax number : XXXX, XXXX, Email : XXXX, XXXX Documents Required, 1. Need FHA Form the web site 2. Need Last 30 days Pay Stubs for 2nd Job 3. Need LOE for Business & Pension Income showing on Taxes of XXXX The borrower is 8 payments behind & the amount due over the account is {$15000.00}, the file is active Bankruptcy.
The Foreclosure Attorney Information : XXXX, XXXX XXXX XXXX, XXXX ( XXXX, XXXX ) On XX/XX/XXXX, I submitted the above documents to Caliber.
On XX/XX/XXXX, Called Caliber Home Loan @ XXXX, spoke with XXXX ( Id : XXXX ), she file is in review for Modification but they need the below requested documents, Documents fax number : XXXX, XXXX, Email : XXXX, XXXX Documents Required, 1. Need Last 30 days Pay Stubs for 2nd Job 2. Need LOE for Number of People Living in home The borrower is 8 payments behind & the amount due over the account is {$15000.00}, the file is active Foreclosure & there is a sale date for XX/XX/XXXX.
The Foreclosure Attorney Information : XXXX, XXXX XXXX XXXX, XXXX ( XXXX, XXXX ) Notes : Kindly get the requested documents for Modification Process.
On, XX/XX/XXXX, I submitted said documents to Caliber.
On XX/XX/XXXX Called Caliber Home Loan @ XXXX, spoke with XXXX ( Id : XXXX ), he file is in review for Modification but they need the below requested documents, Documents fax number : XXXX, XXXX, Email : XXXX, XXXX Documents Required, 1. Need Last 30 days Pay Stubs for XXXX XXXX 2. Need Last 3 Months Profit & Loss Statements for XXXX XXXX XXXX XXXX as is XXXX ( Needs to Mention Taxes & Expenses & Income ) The borrower is 10 payments behind & the amount due over the account is {$18000.00}, the file is active Foreclosure & there is a sale date for XX/XX/XXXX.
The Foreclosure Attorney Information : XXXX, XXXX XXXX XXXX, XXXX ( XXXX, XXXX ) I submitted the documents on XX/XX/XXXX.
On XX/XX/XXXX - Called Caliber Home Loan @ XXXX, spoke with XXXX ( Id : XXXX ), he file is in pending in review for Modification but they need the below requested documents, Documents fax number : XXXX, XXXX, Email : XXXX, XXXX, Documents Required, 1. Need FHA XXXX XXXX XXXX ( This was sent in XXXX and had not been asked for on the previous 2 calls ) The borrower is 10 payments behind & the amount due over the account is {$18000.00}, the file is active Foreclosure & there is a sale date for XX/XX/XXXX.
The Foreclosure Attorney Information : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ) Notes : Kindly get the requested documents for Modification Process.
On XX/XX/XXXX, I submitted said documents but on my follow up call on XX/XX/XXXX Called XXXX XXXX XXXX @ XXXX, spoke with XXXX ( Id : XXXX ), he said they can not review file as they need the all the documents before 15 days Before the sale date, hence they need the complete file before the XX/XX/XXXX, Documents fax number : XXXX, XXXX, Email : XXXX, XXXX, The borrower is 10 payments behind & the amount due over the account is {$18000.00}, the file is active Foreclosure & there is a sale date for XX/XX/XXXX.
The Foreclosure Attorney Information : XXXX, XXXX XXXX XXXX, XXXX ( XXXX, XXXX ) Notes : Lender is proceeding with the sale date for XX/XX/XXXX.
With the foreclosure date as XX/XX/XXXX, this is a clear violation of Loss Mitigation Procedures ( XXXX RESPA Servicing Final Rule ) which prohibits dual tracking. Further, in accordance with Error Resolution Procedures as stated in 12 CFR 1024.35 A qualified written request that asserts an error relating to the servicing of a mortgage loan is a notice of error for purposes of this section, and a servicer must comply with all requirements applicable to a notice of error with respect to such qualified written request. This is also goes on to say that the responsibility of the Servicer at this point is to resolve this notice of error Prior to the date of a foreclosure sale or within 30 days ( excluding legal public holidays, Saturdays, and Sundays ) after the servicer receives the notice of error, whichever is earlier.
We are requesting a postponement of the foreclosure. The sale date for my home is XX/XX/XXXX. It is abundantly clear that it would be a huge error on the part of the Servicer and that I would suffer material harm if the foreclosure sale were not stopped. If the foreclosure action is not suspended, we will seek an injunction in the appropriate Court for injunctive relief to prevent such foreclosure and to ensure that all the appropriate rights and protections of the Mortgagor have been met.
|
| 04/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Early XXXX, 2020, I received a notice from Caliber Home Mortgage, my mortgage company, that my mortgage payment would increase from {$2400.00} to {$2600.00}. This is an increase of {$180.00}. I called the Mortgage Company immediately to inquire about why my mortgage payment would increase. The representative said it is because my Escrow Account is short {$1300.00}. At this time, I asked why is the Escrow Account short? She stated that a check had been mailed to me by the Mortgage Company and that I had cashed the check. I replied and told her that I have never cashed any checks that have been sent to me by my mortgage company. I also explained that if I have ever been mailed a check by them, I would immediately place it in an envelope and mail it back to them.
This was the first of many lies that my family and I were told by Caliber Home Mortgage as we worked day in and out, conversation after conversation even being hung up on several times as an effort by the mortgage company to get rid of us and not help us get this issue rectified. While working on this issue, I decided to call my Home Owners Insurance Company, XXXX XXXX Insurance to seek direction. My insurance agent was able to pull my file, where she discovered errors that could have caused this Escrow Shortage and she was eager to get on the phone on a conference call with myself and the mortgage company to go over what she discovered. My insurance agent noted that there was a discrepancy with a check in the amount of {$1500.00} that Caliber Home Mortgage claimed had been paid to XXXX XXXX Insurance on a bulk check with several other consumer Home Owner Policies for my Home Owners Insurance but in reality, XXXX XXXX had never been paid by Caliber Home Mortgage for my Home Owners Insurance policy. Not only had XXXX XXXX not been paid but it shows, according to XXXX XXXX records that there were additional errors that had been made regarding payments on our behalf. XXXX XXXX along with my wife, I and Caliber Mortgage, got on several recorded calls together and as we spoke together with Caliber Home Mortgage, Caliber Home Mortgage acknowledged to us that an error was made on their part and that we should receive a deposit back into our escrow account of {$1500.00}. They promised that this would be resolved and to reach back out to them to confirm. Well even after acknowledging their error over and over, my family has been taken on a long goose chase regarding this and now when we call our mortgage company, they hang up on us repeatedly, won't allow us to speak to a supervisor and refuse to honor their word and resolve this issue. One of the young ladies that said that she was not going to stop until she got this resolved named XXXX XXXX refuses to speak with us now. She puts other representatives on the phone to give us messages. We are not being helped and are being discriminated against. We are consumers that honor our word and have never made a late mortgage payment since we have owned our home for 5 years. We have never been late on any mortgages that we have had. Caliber Home Mortgage is attempting to raise our monthly payment for something that is their error and keep monies that really belong to us as the consumer. This is illegal. Also, my Insurance agent asked them to send over a copy of the check in question of the {$1.00}, XXXX that was supposedly mailed to them to cover our Home Owners Insurance Policy. Caliber emailed a check copy that was not the correct check and refused to email the correct check or any proof that shows that they are being honest and honorable. Caliber has taken months and has not helped us as of today XX/XX/2020 and now they are demanding that our house payment be increased. Every phone call that has been made to Caliber Home Mortgage, they come back on the line with a different story to support their frivolous claims of why our Escrow Account is really short. Interestingly enough, they admit that they made a mistake and then put us on hold for extended periods of wait time trying to come back on the line with another false explanation in an effort to start the rat race all over again. We have contacted them regarding this and they have literally told us that although they have spoken to us regarding this, they have no notes at all on their computers regarding any of this on our account. You know this is not right and it is a lie. To have many recorded conversations with a consumer and have no notes regarding what the conversations were about, what compliant was filed and how it was resolved.
They tell us what we want to hear to get us off of the phone, they don't call us back as promised and when we call back to inquire about the status of our complaint, they act like they have no clue what we are asking about and start all over again with the games. They tell us to hold for a supervisor, we hold for 45 minutes and they hang up on us and we have to start all over again trying to get through and spending sometimes literally all day been tossed to and fro from person to person and hung up on. Our insurance agents has all of their copies and every conversation recorded. We are simply trying to get this resolved so that we can move forward but we will not roll over, play dead and be taken advantage of. This case is just our case. Imagine the other families that were too busy working everyday or trusted the system and took their word and never did their own investigation. These companies are ripping us off. We want justice!
|
| 08/04/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
In XX/XX/2018 I requested a mortgage assistance package from my mortgage servicer. We were falling behind due to reduction of available hours for me and my wife became seriously I'll putting her out if work. She has been out of work for almost 2 years and is not receiving any SS XXXX payments ... .nothing ... no income for a year now! We filled out the mortgagers Assistants packet and even sent them more information than requested ( Drs designation of illness ). The finally approved us for a modification tests was {$110.00} more a month then what we were paying! ( Nog sure how that helps us if we are struggling to make our original payment amount ), but moved passive to the back of loan. The instructed us to make 3 trial payment each being due before the last day of the month. We made first trial payment On XX/XX/XXXX. When I tried to make our second payment on XX/XX/XXXX Caliber home loans agent XXXX that the could not take mh payment as Caliber had transfeted my loan to a new mortgager. I never recieved any notice that this was going to happen. Yhr then told me that I would need to make the second payment to our new mortgager! First off ... they gave Mr the wrong contact information for the new mortgager and I called back s again recieved the same incorrect information. I was the able to find them by searching the web and made contact. The new mortgager ( XXXX XXXX XXXX ) they told me ..yes my loan was being transferred to them however they would not officially take it over until the XXXX, and that I should make mr payment to Caliber. I called Caliber back and again was told ... no ..I had to pay it to the new loan mortgager as we don't manage you loan anymore. So again I called back to XXXX and told them again what Caliber had said and again they told me that they do not own my loan yet. So come the following Monday I called Caliber again. I got the same answer. In addition they informed me that because I missed the payment date that I would be no longer eligible for the modification because I didn't meet the modification requirements even though they refuse to take the payment. So I had to wait in for XXXX to completely have all of my information and officially take over my loan after the XXXX to speak with them. Once I did inform them again what happened and they asked me to send them proof that I was a approved for a modification from caliber. I faxed them the acceptance paperwork from caliber showing that I did qualify and what my trial payments were. A few weeks went by I hadn't heard anything from XXXX so I contacted them again. Then for me at the time that they didn't receive my paperwork even though I had an fax confirmation. I then re faxed it again to XXXX. Few weeks more went by I heard nothing. I called back to XXXX and basically they told me that caliber sent them a letter saying that they had put me a caliber put me into foreclosure which I was never told that and I shouldn't have been as I was going through the process of them with for the modification. XXXX said they didn't receive very much information from caliber and that they were trying to get more information about it. That they would let me know. Of course nobody ever let me know anything. Then few weeks more went by I called back and they at that time asked me to email or fax their packet for modification or assistance. Sorry did that and also send them again another copy of the approval had gotten from caliber for modification. About 5 weeks went by and we just received a letter now stating that congratulations you are approved to short sale your home and deed in lieu. Congratulations!!! How is that congratulating me that I'm going to lose my house is viewed as a good thing!! I thought they were trying to help me! But now I feel like all they're trying to do is take my property!! Of course I called them really upset. Ask to speak to a manager. Spoke with her at length basically the girl on the phone to answer the phone originally told me I owe it doesn't matter they are going to review it again pretty much that's their decision so there's nothing you can do about it. Problem also is that I have a FHA loan XXXX XXXX loan and I know there are guidelines they must follow when there are the FHA loan provider. I provided them all of the information but in their letter they sent me congratulating me that I was going to lose my house, it says things that aren't correct like it says did not Mark that this is my primary residence when I know it did that was the very first thing on their questionnaire for Mortgage Assistance I asked that box and huge X I also says that we didn't give them any any of the information they ask for for my wife 's XXXX which I sent them even the doctors proof of illness. I said them all the same thing that I sent caliber. I just feel at this point that they're don't want to deal with me and they're trying to take my property! I spoke to XXXX XXXX and they are going to investigate also. But these companies seem to all be really the same they're very poor quality and the customer service is really lacking their phone stuff doesn't work half the time you can't get ahold of anybody and when you do all you always get the same answer I don't know we can't help you or the things I get all the time. There's any information you need from me and further details please let me know.
|
| 06/12/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
Older American |
|
FIRST, the phone number to contact Caliber Home Loans has been programmed not to accept my phone calls. The phone number submitted in all of their correspondence to contact them is ( XXXX ) XXXX number goes to a fast busy every time I call. XXXX XXXX XXXX XXXX XXXX XXXX. Trustee for XXXX XXXX XXXX XXXX and Caliber Home Loans, violated their 2015 Class Action Settlement Agreement with me as a protected member of that settlement action. Those entities sued me for an expedited foreclosure in XX/XX/XXXX knowing that I was exempt from any litigation from them. XXXX XXXX XXXX XXXX XXXX. states that Caliber Home Loans , Inc. is the owner of the Trust, not XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, representative, XXXX XXXX, stated that they were acting on Caliber Home Loans, behalf not XXXX XXXX. Caliber sent the attached letter stating that XXXX XXXX XXXX XXXX XXXXXXXX. owned XXXX XXXX Caliber Home Loans, Inc. filed fraudulent security instruments with the XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX. Those instruments were fraudulent because the Attorney in Fact were not legally authorized to sign them. In order for them to sign, they must have a Power of Attorney by the XXXX XXXX and/or XXXX XXXX . The next reason is because XXXX Master XXXX XXXX is not registered with the Texas XXXX of XXXX. Per the SOS, unregistered entities can not do business and/or litigate in the State of Texas. Caliber ; and violated the Texas Government Code Sec. 51.901 statutes by filing fraudulent document or Instrument. Caliber knowingly and intentionally signed those fraudulent security instruments to transfer thousands of Texas homes, which they did not legally own, to XXXX XXXX XXXX XXXX in order to launder money in which they received from those transfers activities. Caliber Home Loans, Inc. and the investment vehicle, XXXX XXXX XXXX XXXX is owned by XXXX XXXX. XXXX XXXX entities knowingly and intentionally committed Frauds to assume ownership of real estate illegally. The entity then registered the transactions in XXXX and XX/XX/XXXX ( the same months XXXX XXXX sold/settled the open real estate accounts then closed the real estate division ) into a Private Equity, Pooled Investment Fund that recorded closed activity for 12 months under the SEC Investment named XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX. In XXXX, a Class Action Lawsuit ( attached ) was filed againsXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX for XXXX XXXX and Caliber Home Loans, Case 2:14-cv-05233-SRC-CLW ( New Jersey ) with five causes of action. The actions resulted from 3 letters sent in the beginning of 2014, which I received, that violated Federal Regulations. They included RESPA Rule 12 U.S.C. 2605, FDCPA Rule 15 U.S.C. 1692K, as well as TILA and FCRA violations. My HELOC was owned by XXXX XXXX which was included in the XXXX XXXX, XXXX XXXX XXXX, XXXX Adjudication Agreement for Money Laundering. I invoked my homestead protection instrument to protect my home from sale and/or seizure in XX/XX/XXXX. XXXX XXXX XXXX has stated that they did not sell my property to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX and Caliber have committed constructive fraud by non-disclosure of those contracts that would prove a legal transfer existed between XXXX XXXX and XXXX XXXX. Dozens of requests have been made and Caliber withhold the regulated disclosures, which is confirmed in the Class Action Lawsuit. Caliber continues to commit fraud, especially constructive fraud, by illegally and fraudulently transferring the ownership to XXXX XXXX XXXX XXXX in XX/XX/XXXX so they could file a frivolous lawsuit against me and others for Expedited Foreclosure which had no legal standing. I sold my property on XX/XX/XXXX due to the Scam in this Rescue/Foreclosure/Fraud Scam. The Title Attorney and Buyer conspired and actually committed a fraudulent closing which there was no funding. She deducted over {$190000.00} from the proceeds illegally per the HUD Settlement Statement. Caliber and the Title Attorney refused to submit a copy of the check or wire which verifies that the XX/XX/XXXX closing paid the disputed loan off. The Attorney for XXXX XXXX XXXX XXXX and Caliber Home Loans sent an email to me that a Short Sale had been processed on my property. The ledger of activity I received from Caliber in XX/XX/XXXX did not tie into any contract and interest rate. I am a XXXX XXXX who managed XXXX XXXX for over 20 years. The ledger activity does not tie into what XXXX sent to me in XXXX which shows a XXXX balance. On XX/XX/XXXX, Caliber accepted a check and/or wire from Title Attorney XXXX. It was for a closing on that date on XX/XX/XXXX. Instead, the Title Attorney flipped the closing by using the Buyer of my property as the seller to another person XXXX XXXX of Home Perspectives, 5 days after my closing. I do not have evidence of XXXX 's purchase price from the XXXX ( my buyer ), which embezzlement of funds are likely by misleading me on a material fact of the fake XX/XX/XXXX closing. Deceptive practices continued because the XX/XX/XXXX sale was not filed with the XXXX XXXX XXXX XXXX until XX/XX/XXXX and was illegal since there was no funding. The Title Attorney held the XX/XX/XXXX closing instrument from being filed until XX/XX/XXXX. This is known as Real Estate Fraud and Foreclosure/Rescue Scheme .
|
| 01/11/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Our home was flooded during a building water leak on XX/XX/XXXX. Our insurance company made our claim check in the amount of {$20000.00} out to us and to our Mortgage lender, Caliber Home Loans. I reached out Caliber to find out how to get the check endorsed and the funds to us in order to pay the contractor, who had already begun work and who we had already made an initial deposit. I received a packet which included a substitute form XXXX for the contractor to fill out. The packet ( which included the insurance check endorsed by the mortgage holders ) was completed and mailed off in overnight mail along with a prepaid envelope to allow for a 3-5 day return of the funds. The packet was mailed XX/XX/XXXX and marked received by Caliber on XX/XX/XXXX, per the online website Caliber encourages its customers to use.
On XX/XX/XXXX I called to see if the funds had been processed. At that time I was informed that the XXXX was rejected. I asked why I had not been informed immediately about the problem with the form and no good answer was available. A new form was completed ( it turned out the contractor had pulled his State Comptroller ID vs his EIN ) and uploaded to the portal that same day. Once again I was told it should be a quick turn around.
On XX/XX/XXXX after still not receiving the funds and the Caliber website showing all documents received and a notation that the funds would be released four days after receipt, I once again called Caliber. I was informed that once again the XXXX was rejected. I again expressed dismay that at NO TIME was called or informed on my website portal that any documents had been rejected and that once again I had wasted time waiting for a check when none had been forthcoming. When asked why they had not contacted me there was again no initial answer. I asked what they could do to help me expedite this as I have had to borrow funds and sell other assets to pay for the work to my home while Caliber ( who has a strong interest in the homes repair ) has refused to communicate with me about getting the funds back to where they can be used. I was given two options : The first option was to have the contractor fill out a 3rd XXXX. When questioned he assured me that the EIN provided on XX/XX/XXXX was correct. When I asked the Caliber representative how we could be sure that someone one their side had not input the EIN wrong - I was told there was no way to know that. FYI - it turns out that the problem maybe that the contractor did not include LLC on their business name and per Caliber EVERYTHING has to match the IRS perfectly. Choosing this option - once again I would have to wait 3-5 days to see if the XXXX was approved.
The second option was to request an exception since the {$20000.00} only exceeded the {$20000.00} limit for adding the contractor to the reimbursed funds by such a small amount. I said great - how long will that take? 3-5 days. Of course.
I then requested they send me funds of {$20000.00} and keep the XXXX until they could verify the XXXX. They are not allowed to do that. I requested to speak to someone with authority and was transferred to the escalation dept. where the same discussion ( see above paragraphs ) took place. When asked why she was escalation representative, but had no additional authority over the first representative she had no response. I then asked to speak to her supervisor. I was transferred to a voicemail asking to leave my callback information and promised a return call within 24 hours which I did not, nor have not received.
XX/XX/XXXX, after the 24 hour waiting period I called back the escalation team and requested to speak to a supervisor. In the meantime, I had obtained and uploaded to the portal the actual IRS notice with my contractors business name and EIN the difference being LLC. I wanted to know if now that they had a copy of the IRS notice if they would release my funds. I specifically said I did not want to be transferred to a voicemail, but was told they had no way to accommodate me. Once again, I left a message this time stating I would be filing a complaint with the CFPB. I have not yet heard back.
To summarize my main complaint is the TOTAL LACK OF COMMUNICATION by Caliber, their representatives lack of ability to mitigate the issue and any supervisors lack of response. Our insurance company was able to set up our claim, send out an adjuster, approve and pay our claim in less time than Caliber has held our funds. THIS IS UNACCEPTABLE. I have sat around for 27 days waiting on them, not knowing that my request was on hold and needed to be corrected. This has caused me to have to sell stock I did not intend to part with and to borrow money from family in order to move the rebuilding process forward. Being in XXXX, TX post Hurricane Harvey one can not afford to bypass available contractors and subs, plus - cabinets, countertops etc are in such backorder status due to the hurricane that waiting a month causes even extra delays. In the meantime my family is living in a hotel with our home demolished ( though slowly coming back together with no help from Caliber ).
NO ONE SHOULD BE HELD HOSTAGE BY THEIR MORTGAGE COMPANY WHEN THEY ARE TRYING TO REBUILD THEIR HOME. SHAME ON YOU CALIBER HOME MORTGAGE.
|
| 04/19/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I recently submitted a complaint asking for answers and none of my questions were a addressed. Instead I received a letter which was a basic review of what I wrote and a recap of my history with Caliber. I want to know back in XX/XX/XXXX when I first contacted a single point representative and ask for help regarding a payment that was returned to do a problem I'm having with XXXX XXXX. At that time I submitted proof by uploading a letter from the manager at XXXX XXXX and took it a step further by initiating a conference call with myself the branch manager and a Caliber representative. All Calibers phone calls are rerecorded so this call can be reviewed. The phone conference call took place the same day the letter was uploaded. If you look at the documentation submitted in XX/XX/XXXX you will see the letter.
I want to know Back in XX/XX/XXXX when the bank held my money for over a month and I contacted Caliber for help ... ..
> Why would a representative advise me to do a modification knowing I was not qualified if according to what you stated in your answer that my loan could not be mortified because it was less than a year since the last notification >When the modification was denied, why was I told to appeal knowing under your terms it was less than a year since the last modification and again based on your policy I did not qualify?.
>In your answer you state, that my debt had exceeded my income. that was impossible because with assistance from my Hud counselor I have less than a XXXX dollar monthly expense which allows me XXXX to pay on my monthly mortgage.
> Loss Mitigation said there was no significant change in income with regard to the appeal ... .. That is 100 % in accurate, the reason for my appeal was to based off that missed calculation which put my monthly income payable to my mortgage at XXXX. A XXXX dollar increase is very significant according to the manger XXXX who I engaged in a 2 hour conversation. who promised to assist me with a repayment plan although I didn't qualify for one due to the misinformation information provided to me in the beginning which could of saved me from all this aggravation that ultimately led to foreclosure. I quote I asked her if we could use this conversation down the line and she said yes,,,,, PLEASE LISTEN<<<< because my plan is to have a judge listen to my conversations, This predatory loan originally from XXXX XXXX has been a nightmare ...
Why was I reported to the credit Bureau 14 times when I was in litigation with this predatory loan 2 years ago?????
>I was told not to let the account go over 120 days, but I wasn't informed that I could no longer make a payment over the phone or by computer which is what caused me to go over by 1 day? If I had these privileges taken from me why wasn't I informed ... Its like you do these things in efforts to make us fail. Why was I not informed????
>why was I told that there would be an exception on XX/XX/XXXX and the payment would be taken, but not note the account of the exception??
> you also say that I was sent a letter to cure the loan dated in XX/XX/XXXX., but I clearly have one sent out to me in XX/XX/XXXX? can you explain that?
> Your apologizing for the rudeness and the attitude given by your reps but how can we have a prosperous conversation and how can I expect true and forth coming advise when someone is basically talking to me like your garbage ... I have a video of my sister filming my daughter while I'm engaging in a conversation with XXXX on speaker and my sister basically stops in her trap as she hears how rude and ignorant a supervisor named XXXX is speaking to me. I hope I can let you hear how horrible and disgusting he is to me, when I ask to speak to his manager he flat out told me NO ... I told him I want this conversation reviewed and he told me No ....
I as a customer look for help advise and assistance from your representatives but your allowing them to misguide, withhold and misinform us as customers which has severe impacts on us and you don't hold them accountable. I'ts not right because I have to look to Caliber for the answers and not being truthful or withholding info puts customers like me in a position to lose their home,,,,, which is exactly what is happening ...
If it's your goal to mislead and guide customers into foreclosure I say this because there are over 3000 complaints against you and 800 have to do with your reps and misleading customers ... .over 600 with customer service.
I'm hoping The CFPB will take the initiative ti look into the way your reps are talking and treating customers it's as if they want to deter them from seeking help and having options.
Please do not apologize again for " if I feel that I was mistreated by your reps,, '', BECAUSE THE BOTTOM LINE IS I HAVE< ITS FACTUAL AND THE PHONE CALLS THAT ARE RECORDED PROVE JUST THAT ... .please listen to them .... I wish I could request that they be sent to CFPB, > you say that I was not given in accurate advise or information well please answer the above questions ... If your goal was to take my home from my children and I,, you can reward your reps because they are doing a great job. my home that! worked 15 years to keep is now in foreclosure,,,
|
| 04/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
On XX/XX/XXXX, I received a call from XXXX XXXX following up on a refinance inquiry Id previously made with Caliber. Upon sharing that I was going with another bank for better pricing, she requested my loan estimates to see if she could match, if not beat, the pricing. That same day ( XX/XX/XXXX ) loan estimates were provided, the loans were locked and my documentation was provided. ( Item 1, which was unable to be attached due to size but is available upon request ). Less than twenty-four hours after, XXXX reached out to share that the initial loan estimates provided and signed were not approved through her superiors and there would need to be a change resulting in an increase in the pricing of {$1200.00} total. After some back and forth, we agreed on the updated Loan Estimates on XX/XX/XXXX. XXXX Item 2 - 3 ) As I understand it, my loan was moved to processing and it was relatively quiet until XXXX when it was time for appraisals to be obtained. This process was extensively delayed by Caliber, not assigning the appraisals and subsequently not communicating with the appraiser to clarify the unit numbers. After several follow up on my end ( Item 4 5 ), they were scheduled and completed.
Once the appraisals were scheduled and completed, it was pretty static for a while with my calling and emailing for updates, with no updates of consequence being provided. During this time, I was working with my third processor ( at this point ) to re-provide documentation that had already been provided to Caliber on multiple occasions, while following up on status in an attempt to push the ball forward. ( Item 6 13 ) Up until this point, Id been receiving incorrect disclosures periodically but had declined them as I was told by XXXX earlier in the process that this was systemic and that once we were close to closing, they would be updated to reflect what was agreed upon in the loan estimate. This was in response to my email sent to her in Item 14.
After following up on an incorrect disclosure where the interest rate was changed and inquiring several times as to why, XXXX researched it and noticed that the original appraisal had come in under the other unit and the original appraisal at financing in XXXX and as a result, the interest rate had been adjusted to reflect that. After review from their Internal Real Estate Appraisal Review department, it was decided to request another appraisal and this began another month long process of my following up with Caliber on status. ( Items 15 20 ) The second appraisal came back in on XX/XX/XXXX and we have since been waiting for the locks to be updated. On yesterday, I began asking to elevate the issue as XXXX shared that the pricing on the executed Loan Estimate for the Origination Fees would not be honored as the delay in closing was due to me. ( Item 21 ) This was a complete lie, which is also evidenced in Item 21, as my most recent processor had told me that one of the conditions on the loans were that they all had to close together. Separately, XXXX had supplemented that by claiming that the paperwork would be easier and much quicker after the locks had expired as opposed to prior to. I told XXXX to do whatever made most sense as she and my processor had assured on multiple occasions that the pricing would be honored and even if I were not in agreement, there was nothing I could do as during this time, no attempts were made by Caliber to schedule a closing, no CDs were sent, nothing. Furthermore, as evidenced in the provided emails ( and more are available for further evidence, as well as call logs ), I have been very punctual in my responses. Most questions asked of me or requests made of me were provided same day, if not within 24 hours. I have reached out to everyone Ive been placed in contact with more times than I can count to inquire of status. Since XXXX yesterday evening, I have called each manager two levels above XXXX twice ( once yesterday evening and once this morning for four calls total ), emailed her direct supervisor and called the boss three levels removed twice for a grand total of six calls, none of my calls or email have been answered or returned as of XXXX EST.
The last communication I received from Caliber was at XX/XX/XXXX today from XXXX, detailing how whether the Loan Estimate would be honored was at the mercy of her VP. ( Item 22 ) At this point, I am convinced that this was intended to be a bait and switch. As Caliber knew that I had originated my loans with them, I feel as though the intention was to overpromise on the Loan Estimate and then find a reason to not honor it. At this point, they have delayed the refinance so significantly that the interest rate environment is dramatically different than it was at the time we entered into the process. I would be unable to find the same pricing at this point, even if I could gather the energy to move the loans and I feel as though that was the intention. I feel like they are giving me the run around hoping that I tire and accept whatever is given.
We have been working on this refinance for 7 months, with no visible end in sight. I do not want to ponder what might or might not be at play in the background, I simply want to resolve this.
|
| 02/05/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
Older American |
|
On XX/XX/XXXX was my last payment to XXXX XXXX, which was forfeited and protected by my homestead protection instrument due to their money laundering adjudication. XXXX agreed to release lein in XXXX or the XXXX XXXX department would. However, I continue to call, write and request release so I may move due to illness severity.
Instead, XXXX XXXX XXXX XXXX for XXXX XXXX c/o Caliber Home Loans, Inc. created fraudulent instruments in XX/XX/XXXX, after trying to get me to sign a modification agreement since XX/XX/XXXX. I refused and sent sever QWR and RESPA TILA with financial accuracy and contractual validation and nothing was ever sent. I continued to get harassed in XXXX even while they were in a Class Action Litigation involving the fraudulent Notices sent out in XX/XX/XXXX through XX/XX/XXXX. They submitted a XXXX instrument which said XXXX and XXXX was servicer XX/XX/XXXX, which was fraudulent. Class Action Settlement, which included me as a protected member was made in XXXX? XXXX. XXXX, XXXX. XXXX. v XXXX XXXX XXXX. XXXX. I received several letters from a firm that threaten to sue me for foreclosure, however, I sent pages of OWR requests and requested the same from them. The Firm continued through XXXX which had constructed a fraudulent modification agreement with my signature on it that I did not sign. The Firm transferred into another XXXX agreement for expedited foreclosures under rule XXXX which was a fraudulent notarized affidavit in support was attached. It did not mention XXXX XXXX and was using XXXX XXXX as owner with XXXX XXXX XXXX XXXX as XXXX ( servicer ) for XXXX XXXX, which had Caliber Home Loans Address. XXXX MPT does not exist as an entity per XXXX of XXXX. XXXX was not allow to sue any of the protected members so the created the front XXXX XXXX as a front for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The Judge granted Foreclosure order on the fraudulent Modification Agreement and did not read the 202 pages of facts regarding the real estate frauds, as set out and done before in other Class Action Settlements with the same bad actors. I filed a Petition for Automatic Stay and Dismissal and Defendants did not Answer for 60+ days, I filed Motion to Vacate Order with Order in XX/XX/XXXX with Default and Rule 736.11 ( c ). The XXXX ignored and accept Answer 78 days after served and 16 days after I file to Vacate w/ Order. The XXXX had some improprieties which are described in statements. On XX/XX/XXXX the XXXX allowed a move to XXXX XXXX with different parties and motions to delay, avoid or cease the Order to Vacate with Different attorneys and firms as in answer submitted XX/XX/XXXX. I closed on my house on XX/XX/XXXX with the agreement there would not be a lien, however, they deducted almost {$200000.00} from my proceeds which left me with enough to pay mover to get to XXXX because of my illnesses and healthcare from my son. I had nothing to purchase home and paying a rent I can not afford, nor medications, delayed operating procedures, etc. The lien was with a fraudulent Short Sale I did not sign. I did not get the HUD number form the Attorney XXXX XXXX. HUD said I never had a lien on my home which is true. The lien was created fraudulently and had been done, I assume thousands of times, since they settle these Class Action annually. I assume they make more money filing fraudulent real estate claims, which figures into the XXXX XXXX XXXX XXXX XXXX Billions in XXXX XXXX, an paying off a small percentage of these claims filed was more profitable for Caliber and XXXX XXXX Funds. The Move to XXXX XXXX allowed the Defendants to file fraudulent Motions of non service to XXXX and Summary Judgement doing the period I was moving a XXXX square foot home into a XXXX square foot rental home. I lived out of boxes for months, not having access to computer and was very ill and bed ridden most the time. The fraudulent material documents and statement of facts were accepted by the XXXX XXXX and ORDERS were judge against me. I sent Answer to Move Notice on XX/XX/XXXX regarding the fraudulent information, but again, it was ignored. This is an on going racketeering in XXXX area, since I could not get an Attorney to negotiate a settlement XXXX XXXX XXXX made because it was fair, one hung up on me and the other did think I should be able to get my home released from the lien, would take {$3000.00} to file bankruptcy though. This is a very bad situation when there are so many JUDICIAL IMPROPRIETIES allow to happen so hardworking, XXXX XXXX XXXX XXXX person are ripped of by the lack of enforcement of the rule of law. I just had hand XXXX on XX/XX/XXXX and sent a note to the Magistrate along with several motions proving fraudulent documents and facts and that the filing in XXXX XXXX was a Frivolous Law Suit. The Magistrate defended the Defendant position which said that All Orders were granted with Prejudice and that rulings made in XXXX XXXX that confirmed the frauds were double jeopardy. THIS WAS SHOCKING. AND NOT TRUE. PLEASE INVESTIGATE THIS. CALIBER HAS DONE THIS FOR YEARS AND I NEED MY MONEY OF {$750000.00} IN DAMAGES AND {$50.00} XXXX IN SANCTIONS AND PUNITIVE DUE TO FRAUD INCLUDING XXXX XXXX FUNDS, A {$160.00} XXXX DOLLAR ASSET FUND.
|
| 12/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I initially was with Caliber Home Loans as my previous mortgage lender but refinanced my loan with a different company. I received a mailer ( copy of the letter has been uploaded to this complaint ) from the company if that they would like the opportunity to beat the offer that my new company was offering. They said that if they were not able to beat my offer, they would give {$500.00}. I have made three attempts without any avail. Below is my emails to the with the sales rep including the Marketing manager who sent the offer : _______________________________________________________________________ -- -- -- -- - Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Wed, XX/XX/XXXX at XXXX XXXX Subject : Fwd : Thank you for completing your application To : XXXX Cc : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, I am hoping you could assist me regarding this matter. I have worked with XXXX twice to resolve this. Based on your name being on this letter, I am hoping that you could have someone from your staff can contact me on this matter. XXXX has forwarded this to the Marketing department twice but I have yet to receive a response from them.
Could you please have someone contact me at XXXX? Since XXXX was not able to beat the interest rate that I am in process of receiving, the letter indicates that I would receive {$500.00}.
I am hoping for a quick resolution on this matter.
Respectfully, XXXX.
______________________________________________________________________ XXXX XXXX XXXX Attachments Wed, XX/XX/XXXX, XXXX XXXX to me, XXXX I have sent up the request for the gift card to our marketing department they should be reaching out here with information on the gift card.
Thank you, XXXX XXXX XXXX XXXX _____________________________________________________________________ Fri, XX/XX/XXXX, XXXX XXXX to XXXX XXXX Im following up again on a status? Please advise.
Thanks, XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX _____________________________________________________________________ -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Wed, XX/XX/XXXX at XXXX XXXX Subject : Re : Thank you for completing your application To : XXXX Cc : XXXX XXXX XXXX Please let me know when I will receive the {$500.00} gift card. My phone number is XXXX.
Thanks, XXXX.
______________________________________________________________________ On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX XXXX wrote : View In Browser | Unsubscribe.
XXXX XXXX : XXXX Caliber Home Loans Your application is complete!
Next Steps Youre one step closer to reaping the benefits of refinancing with Caliber Home Loans. To learn more about what will happen with your refinance, just click the " Next Steps '' button.
Now that your application is complete, lets move on to the next step : locking in an interest rate. Contact me today at ( XXXX ) XXXX to discuss your options.
XXXX XXXX XXXX Consultant XXXX ( XXXX ) XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Upload Documents XXXX Caliber Home Loans, Inc. All Rights Reserved. NMLS # XXXX This email contains an advertisement from Caliber Home Loans , Inc . Caliber Home Loans, XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX ( NMLS # XXXX ) ( XXXX ). XXXX. Copyright XXXX. All Rights Reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or for all dollar amounts. Other restrictions and limitations apply. Caliber Home Loans , Inc. is required to disclose the following license information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not an offer to enter into an agreement. Any such offer may only be made in accordance with the requirements of Minn. Stat. Section 47.206 ( 3 ) and ( 4 ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We respect your right to privacy. View our policy.
If you prefer not to receive future commercial emails from CaliberHomeLoans.com regarding its products and services, unsubscribe here.
|
| 07/04/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XX/XX/2023 I noticed that my mortgage payment normally paid via my banks bill pay was still outstanding meaning it had not been cashed by the mortgage company. I contacted Caliber Mortgage who said they had not received it. I told them I would have my bank submit a new check. Caliber encouraged me to wait to see if my original payment showed up and I agreed. When it didn't I called them again and we agreed i would stop payment on the check and reissue a new check.
Subsequently, my original check and my new check arrived at Caliber. My original check Caliber attempted to process against my express request and conversations with them which they later told me they could not do.
One time problem solved ... or so I thought. The next month ( XX/XX/2023 ) same routine. The check is not there on time and I am monitoring this and scramble to get a new check to them. I speak to them again and ask what is going on and they tell me it's the post office problem not thiers. So I spend countless time talking to post masters and post offices along the chain of custody to determine what is happening and found nothing wrong.
Meanwhile I have paid Caliber via their online payment portal and no sooner had I paid but they received the check for XXXX and I don't have sufficient funds to cover two mortgage payments. So it's comes back NSF again generating a fee.
XXXX comes and it is the same drill once again. So I call Caliber and say what is going on. For many years I have sent payments without a problem now it is a problem. They say it is because my bank mails paper checks rather than an electronic debit service. They suggest I change banks. So I spend more time finding a bank who has the type of service Caliber wants and get established at XXXX XXXX
XX/XX/2023 comes and my account at XXXX XXXX is not yet set up so I go to pay on the Caliber website and they have locked me out from paying my mortgage because they say I am delinquent. I call and ask to pay by phone and they say I can not pay by phone because I broke a payment plan. What payment plan I ask? The XXXX agent tells me that when I spoke to them in the past that they set me up on a payment plan because I was behind. Yet I never asked for such a thing. I just want to pay my bill like I always have.
So now I owe two months ' mortgage and I make a single payment with the intent to make a double payment in XXXX. I owe this double payment keep in mind that they would not accept my payment by phone, or on their website and my checks keep being lost in the mail to them.
I want to pause for a moment and ask you to read that last line once more. How exactly am I to pay my mortgage in this instance? Moreover, every single time I talk to Caliber Mortgage their position is that it is someone else who is at fault. They are not even willing to consider it may be something on their end.
So now it is time to make my payment at the end of XXXX and imagine my surprise that on the website it says my mortgage has been transferred to another lender and I may not access my loan nor pay it at this time.
Meanwhile, Caliber has been sending information about missed payments to the credit reporting agencies completely decimating my credit rating.
I have been a customer of Caliber for over twenty years. I have never had a problem with missed payments. Something clearly went wrong with the mailing of my check but I made herculean efforts to make my mortgage payments and got absolutely no help from Caliber or suggestions on how to resolve this issue. And to make matters worse they have made it virtually impossible to make my payments resulting in credit reporting that is entirely unfair and unwarranted in my view.
I have much more detail on this including transcripts of my calls with Caliber but I think this gets to the heart of the issue. They have made it incredibly hard to work with them and in doing so have sent my credit rating so low it is affecting other parts of my life.
I was the one to contact them about this, I have been the one to try to find a solution and all they do is report me to the credit bureau when they literally won't accept my payment.
This month ( XX/XX/2023 ) having sold my mortgage to another lender was the last straw, I am trying to pay my bill and neither one will take it. Caliber because they say it has been transferred and the new lender won't accept it because they say my account isn't ready to take my payment. Yet one or both will undoubtedly report me to the credit bureaus once again. It is wrong and truly confusing to me how illogical this company can be. Do they not want my payment? Are they more interested in seeing me hurt by a plunging credit score?
Caliber used to be a top mortgage company. I have had five different mortgages with them over the years. They are nothing like they once were and in my view acting in total disregard to the facts and circumstances in my case. Calling them resolves nothing. They respond to me by saying it is not their problem it is mine.
This has to stop and I hope you can help. I just want to pay my mortgage for goodness sake.
|
| 03/11/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Caliber Loans has a system that does not work and has advised that they have no way to change payments which has the impact to really harm consumers that are proactively making their payments and making them timely.
I have bi-weekly payments set up to through my bank account XXXX for my monthly mortgage at Caiber Home Loans. My account number is XXXX. My monthly payment in XXXX and XXXX was {$2200.00} and starting on XX/XX/XXXX my payment is {$2900.00}.
I commenced bi-weeklly payments using my bi-weekly bank payment in XX/XX/XXXX.
On XX/XX/XXXX and XX/XX/XXXX - I may payments utilizing the bill pay in the amount of {$11000.00}, which was applied to my XXXX XXXX payment and {$.00} was applied to principle.
On XX/XX/XXXX, my automated payment was made in the amount of XXXX and applied to my mortgage payment. However, on XX/XX/XXXX, ( 2 business days later ), they took that same payment and applied it as a extra principle payment. On XX/XX/XXXX, I sent another payment of {$1100.00} via my bank 's auto payment ( bill pay ) and Caliber applied it to my Mortgage Payment. I received a notice early XXXX advising me my payment was not in full and I need to send in additional funds in the amount of {$1100.00}.
I called and spoke to an agent in XXXX and was advised she would have the principle payment reversed and send me the caliber automatic payment forms to complete so I didn't have this issue any more. She further advised if I had this issue again to call back and they can reverse the payment until the autopay goes into effect.
I kept my bank auto bi-weekly auto payment on as I was told if it happened again it could be corrected.
On XX/XX/XXXX I sent in a payment in the amount of {$1500.00} which was for my XXXX, XXXX payment. Caliber took XXXX and applied it to my XXXX payment. Additionally they took the additional {$350.00} and applied it to principle.
XXXX XX/XX/XXXX, I sent another payment in the amount of {$1500.00} for my XX/XX/XXXX payment. This payment reflects on my online portable as being applied as a mortgage payment.
On XXXX XXXX, I was sent a letter advising me that they applied the payment sent to my suspense account as they were insufficient to pay my mortgage and I needed to send an additional {$2900.00} to avoid a late fee. However in the same letter they also advised I needed to make an additional payment of {$1400.00} online. However, when I go online I am unable to make any payment except {$2900.00}.
XXXX XX/XX/XXXX, I sent {$1100.00} via my automated payment to Caliber Loans.
On XX/XX/XXXX, I called Caliber Loans and spoke to XXXX. XXXX told me that my prior loan payments were not reversed and that Caliber denied the reversal previously requested and applied them to principle. She further told me I could not send in bi-weekly payments unless it was on their system and the prior agent didn't write good notes and gave me bad advise.
She said my payment will be past due and I will be charged a late fee and she can not apply my funds to the payment and reverse or change any prior payments made. I need to submit the full payment or will be changed a late fee. She said she would go in and request the automatic payment form to be sent to me.
I tried to explain to her I was ahead on my payments and that I had sent in bi-weekly payments starting in XXXX and the XX/XX/XXXX payment should have been towards my XXXX Payment. She said I could not do that and once the funds are applied they can't do anything and I needed to send extra money now to cover my mortgage payment for XXXX.
I was very frustrated because if I didn't have extra month in my account this would have cause me extreme harm and caused me to become delinquent on my mortgage payment when I am not delinquent I have been sending bi-weekly payments for two months.
In XXXX they correctly applied by payments with no issue but starting in XXXX they suddenly could not do that anymore. Caliber should notify consumers when payments are received and they are not clear on what they are doing with funds or if they can not follow in suit with prior months ( XXXX ). I was never advised that this was a problem. No Caliber has taken {$3000.00} from my payments and applied to the principle and will not correct the allocation and has caused me to appear late on my payment.
I am able to make the payment as they requested but if I was a consumer that lived month-to-month, this would have cause severe borrower harm and cause a consumer to become delinquent on their loan and fall into a viscous cycle.
Further, Caliber did not advise me of any denial of reversals or refund me any money.
Lastly, when speaking to XXXX I was advised no managers could speak to me and I would receive a call back in 21-48 hours but because it was Friday it would likely be longer.
I am requesting that the CFPB look into this matter as this practice has the potential to cause extreme distress on consumers and should be updated. I would like to understand why Caliber can not take money that has been proactively sent and misapplied and correct their error on my account.
|
| 10/25/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I am writing to dispute the following information on my file. The items I dispute also are circled on the attached copy of the documents Ive received. Im disputing a foreclosure that Caliber Home Loans started on XX/XX/2022. This information is wrong and they must fix it ASAP, as it is affecting my credit and my daily life. I was on Cares Act Forbearance and I currently have a VA loan mortgage. Ive been communicating constantly with Caliber Home Loans to check in throughout the process and to also make payments to the escrow account while in forbearance.
Once I was ready to start resuming making payments I started doing so in XXXX for the amount of {$1300.00}, because I was told that the underwriter set up that amount for the Loan Modification Agreement at the beginning of XXXX. I received that package, signed, notarized and sent it back to Caliber Home Loans. XXXX XXXX I received another Loan Modification Agreement stating that I was short on the escrow and that the amount needed to be changed for {$1300.00}. I did the same thing, signed, notarized and sent it back to Caliber Home Loans, only to know that apparently they received the package late and that they couldnt longer honor that agreement and that I was going to receive a Disaster Loan Modification Trial Period Plan Payment.
This is when everything started. I received the letter for TPP in XXXX, I called them to make sure what it was and proceed to start making the payments as stated on the agreement. Payments started on XX/XX/XXXX, until XX/XX/XXXX. During that time I didnt receive anything mail from Caliber Home Loans. I did make all the payments on time and kept doing them waiting on the new Loan Modification Agreement. Mid XXXX I received a letter saying that I was in default and if I couldn't cure the loan for the full amount owed by XX/XX/2022 they were going to put the property on foreclosure. I called right away the person I spoke to told me that she could see all the payments and that the package was not sent in yet and to discard that letter and not to worry about anything.
In XXXX I received another letter about foreclosure, again I called the representative and said the same thing as the other one, not to worry about anything because the package with Loan Modification Agreement was not sent in yet and to discard the letter, because it was a mistake. The beginning of XXXX is when we received 3 letters. The first two are from Caliber Home Loans one is the Mortgage Statement stating that I have an unpaid balance since XXXX and that the property is in foreclosure. The second one was a check for {$330.00} because it was not enough to make a full payment to cure the delinquency. The 3rd letter is from XXXX XXXX XXXX XXXX XXXX, a debt collector attorney, ( which I called at the beginning of XXXX to let them know about the mistake and they told me that they need to hear that from Caliber Home Loans itself ).
My wife called Caliber Home Loans right away to let them know about the mistake. Only to find out the representative who spoke to her was very rude and didnt even bother to look down the notes and kept telling her repeatedly that in fact the property was in foreclosure and if she wanted to stop the foreclosure we needed to fill out a Loss Mitigation form. This is not the agreement we were in. I went ahead and called them the same day and the representative who answered was very helpful and found the mistake along with the supervisor she had at that moment. They were able to put a stop to the foreclosure and told us that the payment I did for XXXX was going to be returned. On XX/XX/XXXX we made the payment again over the phone with a representative and it was accepted because they were able to stop the foreclosure and accept payments. The payment for XXXX went through and returned again. When I call theyve put property in foreclosure again, and they cant accept any payments because of that. My credit has been affected ever since this started in XXXX. Ive been in constant communication with the Caliber Home Loans representatives and I have had no luck on getting this mistake resolved. I found out that the supervisor who was supposed to help me is no longer working with Caliber Home Loans due a transition, because another bank has bought Caliber. I've been calling at least 3-4 times a week and every time the representatives say they are escalating the case and they keep saying a supervisor will call me to resolve this and Im still waiting for that call till today. There are no notes from the underwriter, nor is someone willing to fix this and send the Loan Modification Agreement that has never been sent to me so we can resolve this once and for all. I havent been able to sleep and work properly since this started. I appreciate all the help.
Ps. I've also sent out letters to Caliber Home Loan to dispute this and to the attorneys the sent over documents to put my property on foreclosure.
|
| 11/23/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I am writing to regarding several complaints that I have experienced with Caliber Home Loans that have been completely ignored.
First Complaint : In XXXX myself along with my family became sick with XXXX. I had the worst case of XXXX. I felt my health going down and I decided to refinance my mortgage with Caliber Home Loans. Had I know I would become a victim along with feeling like I have been discriminated against just violated in every way.
Regarding the refinancing : XXXX XXXX was my first point of contact she was my loan adjuster who completed my application along with obtaining the necessary documents. XXXX had me along with my spouse to DocuSign the new mortgage and after this we never heard anything back. As we wait for XXXX to contact us back well months past and I call and I email just to see when the refinancing would be completed and Im doing all of this as I became sicker from the complications of COVID along with the unnecessary stress that Caliber Home Loans brung. ( was it due to requesting a supervisor who still could not help and allowed the tactics to be performed. While Im waiting, I later found out that Caliber Home Loans held up my refinancing to work with an unknown third-party collections company against me. ( third party disclosure of our information ). This refinancing wait pressure me into the XXXX COVID forbearance and to mention the same day we applied for the COVID Forbearance a XXXX XXXX call and inform us that since we took the COVID Forbearance we could not refinance. The refinancing process started in XXXX of XXXX I have records, Caliber listed us as denied for refinancing. Im blaming every representatives that work on the refinancing and seen the unjust but instead look away. I would say this seems personal and a common tactic that I have seen other complaints similar. Whatever happen with the refinancing? My complaint went unheard ignored. What all this created for me and my family was devastated- financial burden and losing several love ones during this time etc. I applied for refinancing in XXXX of XXXX completed all paperwork just to be string along until the end of XXXX of XXXX which is when I was pressured into the Covid Forbearance.
Second Complaint : We did everything we was told to do while in Forbearance : we paid the Escrow each month. Today my escrow balance is {$15000.00}. XXXX of XXXX, we started back making the normal mortgage payments and later was told all the monthly payments we made from XXXX of this year until the present went towards the Forbearance balance instead of the normal monthly mortgage. I will also attach a copy of my credit report where Caliber Home Loans is currently showing me past due for 12 months for the 12 months of Forbearance which is another tactic - However a forbearance is not to be reported to the Credit Bureaus. I sent letters to Caliber Home Loans and emails and I file complaints in hopes that Caliber would contact me and this never happen everything I said was ignored like I was nobody. I like to know the reason why I was targeted for all these tactics. Maybe its because I spoke with a supervisor a few times and maybe the representatives did not like that. I also spoke with several supervisors regarding the refinancing in XXXX. If these ladies would have did right by my refinancing I would not have been forced into forbearance. This is truly frighten as these individuals hold the power to tell lies and use tactic to try and force families out their homes.
Another tactic against me Now this year I completed an application with the Mortgage Relief for help after applying I was contacted by this company letting me know that Caliber Home Loans had not sent them what they needed to complete the application and they requested the details several times - I then call Caliber Home Loans and was told again that Im past due and under pending foreclosure. I later found out that Caliber Home Loans inform Mortgage Relief on XX/XX/XXXX that my Caliber Home Loan was not past due but yet my escrow balance is {$15000.00}. This Mortgage Relief application was denied due to Caliber Home Loans saying they did not receive my notarize partial claim documents several times after calling and even speaking with representatives who inform they received the mail in documents until I finally I mail the documents certified mail and watch the mail travel the po box address that Caliber Home Loans use is incorrect and the mail will be forward to another address just makes me wander is this what was taking place when I was using Caliber Pre Paid postage mail and not certified. Nevertheless, I know I have been discriminated against for whatever reasons or whoever is behind this. Makes me feel like someone is trying to steal the home from me. This may not be important to Caliber Home Loans, however it is important to me. I need to help with this.
|
| 01/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
In early XX/XX/2022, we got in contact with Caliber Home Loans to begin the process of getting a mortgage. We were previously in contact with a different mortgage company, but we switched to Caliber because they immediately told us about a {$10000.00} down payment assistance loan that they could set us up with through XXXX XXXX. They told us from the beginning and consistently throughout the process that the {$10000.00} would be an interest-free loan that would be forgiven after 5 years if we did not move from the house we purchased with that loan nor did we refinance. We decided to go with Caliber and we increased our budget as we searched for homes due to this promise of the {$10000.00} deal.
We made an offer on a house, got our closing date, and proceeded to work with Caliber. It wasn't until the very last bit of paperwork at our closing ( XX/XX/2022 ) that we found out that what they had been telling us about the down payment assistance had been incorrect. The paperwork said nothing about the {$10000.00} being forgiven after 5 years. The program through XXXX XXXX had changed its terms but Caliber still advertised the deal that no longer existed. The actual terms of the down payment assistance program make clear that the {$10000.00} loan must be repaid in full at the time of refinancing, sale of the property, or the final payment of the mortgage loan. I believe this is predatory lending because we would not have worked with Caliber had they not misrepresented this down payment assistance to us.
I have attached a screenshot of a text conversation that happened on XX/XX/2022, where I brought up with a Caliber employee ( our main contact throughout the process ) that we weren't seeing the XXXX forgiveness information in any of the documents for the {$10000.00} loan from XXXX XXXX XXXX We were consistently told things like, " Don't worry about it, '' and, " In XXXX years of doing this work I've never had anyone ask me this question. '' I felt shut down and as if I could not ask questions to clarify what was really going on. As a first time homebuyer, I now have clarity about the process that I did not have when we were in the midst of it, and I am disappointed in Caliber for not doing its due diligence in making sure that the products they are selling are portrayed accurately to their customers. While I understand that there are a lot of moving parts in the mortgage world, when XXXX XXXX changed management in XXXX and apparently changed some of its policies, Caliber should have put forth the effort needed to check if any changes had been made, rather than just assume that things were the same as they have been for the last 20 years. This was not quality service and they let me and my husband down and severely misrepresented the service that they were selling us.
When the issue came up at the closing meeting and we definitively saw in the paperwork that the {$10000.00} would not be forgiven, our realtor called Caliber from our meeting and the Caliber agents still said that the money would be forgiven. It took some effort to convince them to look into the issue, and the whole thing made our closing last XXXX XXXXours. While they eventually called us back and said they had made a mistake, they did not offer us a solution. We requested that they do something to make up for their mistake, and they initially offered us only {$250.00} for the {$10000.00} that they falsely advertised to us, and then later offered to refund the loan origination fee that we were paying them as part of our closing costs. Both of these offers are measly compared to the sum we were originally guaranteed, and we have not received any refund at all from them to date.
Additionally, during the process of working with Caliber, we experienced various violations of our and other 's privacy, like a confidential email meant for me being sent to someone with a similar name, or me being added to an email chain for an XXXXXXXX XXXX XXXX XXXX XXXX buying process ( both attached ). This is an unacceptable way to handle business.
Caliber did also offer to refinance our home for free in the future after we asked them for this directly, but Caliber has not earned our trust in this current transaction so it's going to take some serious deliberation to want to use their services again. Additionally, when we confronted them over the phone at the closing meeting, they kept mentioning that we can refinance at a better rate. While this is a possibility, it's not guaranteed and we were counting on this forgivable {$10000.00} bond to be a sure thing. I know that everyone is capable of mistakes, but this mistake affects my and my husband 's financial future for years to come and at this point Caliber has not done anything to make up for how they misled us and failed to properly do their jobs as a mortgage company.
|
| 03/28/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
The issue is their choice to become completely inaccessible to their customers, and it is distressing and financially damaging to their customers. They also continue to make errors and have technical difficulties that cause confusion for their customers.
I am attempting to pay back my mortgage account to become current again. But by making it impossible to be reached, ( Completely unreasonable hold times and reduced hours of availability ) I am unable to get needed information on my mortgage, I am racking up more and more costly foreclosure attorney fees, and I am being forced to miss deadlines that would have allowed me to save my mortgage.
I applied for an assistance program and wanted an update since I hadn't received any calls or letters and more than 30 days into my review had passed. So I called on Thursday XX/XX/XXXX and they're automatic system told me there was nobody to speak to but that my house had been foreclosed on on XX/XX/XXXX I had to wait until the next day and 20 minutes on hold to speak to someone who could tell me that their foreclosure department didn't know what they were doing and she manually had my account updated. She informed me that my review had been denied on XX/XX/XXXX and referred to an attorney on XX/XX/XXXX. She called the attorney who confirmed they had just received the file and there was no sale date.
I asked how much I needed to pay to become current and she stated that the amount on the letter I was supposedly sent, {$5000.00}, wouldn't work and I would only be able to become current by paying the 'reinstatement amount ' and that she would have to order it and I would be unable to get it until XX/XX/XXXX the next week.
We are losing income and will potentially lose jobs due to the COVID 19 situation so I asked if they can help and she stated that this far into the COVID 19 situation they still didn't have anything available for their customers that are impacted, and they wouldn't probably have something, if at all, for 2 more weeks.
I called to follow up on XX/XX/XXXX. I waited on hold for an hour and 40 minutes until the call failed. I called right back and waited for 40 more minutes on hold right after and was unable to reach them, and then they were closed again, because it was after XXXX XXXX CST.
Today, XX/XX/XXXX, at XXXX XXXX CST, I found the actual letter that I got an email message about on XX/XX/XXXX and it informed me that the woman I spoke to was wrong and as long as I did pay the {$5000.00} by today, I could become current. So I called and waited 40 minutes on hold to speak to someone to find out which was true, because I had gotten my tax return and would be able to pay the {$5000.00}. I still hadn't heard back or been able to find what the reinstatement amount was. I needed to know if the woman on the phone was right that I had to pay the reinstatement amount, and if so, how much it was. Or I needed to find out if it was still an option to pay the {$5000.00} and become current. If I found the information I could have bank wired or used XXXX XXXX to send certified funds in time. The person who finally answered the phone told me that they could do nothing to assist me and they could only transfer me to their single point of contact department and that there is no direct line to reach them. She said the company is open on Saturdays but the only department I am allowed to speak to won't be open to speak to tomorrow, on Saturday. So I consented to be transferred at 3 minutes before XXXX XXXX CST ( their new closing time ) and she transferred me to an automatic response that told me they're unable to be reached at this time and that they can't tell me when they're next going to be available.
The misinformation and the insane delays caused me to miss the deadline where I could have become current, and now when they're finally able to be reached next week, ( hopefully ) they can tell me 'I didn't hit the deadline ', and force me to pay more than {$5000.00}, which may now become unaffordable and cause me to lose my house. They're foreclosure attorney 's are obviously going to be expensive and every day they're 'unable to be reached with no ability to tell me when they're available ', I am likely incurring hundreds in attorney 's fees. And each time I try to reach Caliber I am either misinformed or delayed by days with a big question mark about whether I'm going to be able to keep my house or not.
We came on hard times and fell behind, we now have the ability to become and stay current, and they are incapable of assisting their own customers in doing that. And they seem to have no concept of how to help, nor any urgency to help, the millions of families being financially impacted by COVID 19. This is very very poor loan servicing and I'm sure I'm not the only customer being impacted by it.
|
| 02/10/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
Hello I am an authorized agent and son of XXXX XXXX. We took out a lien on our property at XXXX XXXX XXXX XXXX # XXXX XXXX, Ca XXXX. We have tried for over a months to get an demand for payoff and or release and have had no success. Now we have sold this property and ready to close, and continually getting no where with anyone. No one is available. Please see the following on XX/XX/XXXX Good morning, everyone : I have called the SOS for California ( XXXX ) XXXX and SOS for Delaware ( XXXX ) XXXX. The XXXX XXXX XXXX XXXX XXXX XXXX is a Delaware Corporation. The SOS for California could not assist me and suggested I contact the counties.org ( XXXX ) XXXX and they had no idea why the SOS would direct me to them as they had no idea what or how to assist me.
The SOS for Delaware found the name of the company and said in XXXX the name had been changed. The new name is XXXX XXXX XXXX name change effective XX/XX/XXXX. However, I was told this may not be our company and the only way of knowing is to pay the upfront fee and get the annual report that may not tell us anything, other than the company is or is not in good standings with the state.
I contacted the Resolution of Receivership ( XXXX ) XXXX they are a division of the FDIC and only handles entities such as bank and they could not assist with this lender, as they are/were not a bank.
In review of the recorded Deed of Trust with XXXX and his title unit there was a return address for XXXX XXXX XXXX, XXXX, the unit was able to provide a contact number ( XXXX ) XXXX and I called. This company XXXX XXXX XXXX XXXX XXXX is a doc drawing company only, but was able to provide information that loans with The XXXX XXXX went to XXXX XXXX and Caliber Home Loans. The title unit accessed the XXXX and found out with XXXX XXXX social number the lender of record comes out to be Caliber Home Loans.
We started with Caliber Home Loans ( XXXX ) XXXX, I requested a demand payoff with Caliber Home Loans ( fax number ( XXXX ) XXXX, on XX/XX/XXXX, only to follow up and was told they could find nothing AFTER they confirm with me that they had the loan.
Escrow Holder has exercise due diligence in the effort to obtain a payoff demand, with request directly with the Lender and following up with XXXX and his team. At this point, the Seller will need to follow up with Caliber as they will not allow me to go any deeper into this matter, as I am a third party with authorization only to obtain a payoff demand statement. Attached is the XXXX printout showing the Lender of record is Caliber Home Loans. The XXXX print out provided yesterday had The XXXX XXXX and it stated inactive and it is believed because the loan is now with Caliber.
Please keep me posted on the outcome.
Thank you NOTE : OUR OFFICE WILL BE CLOSED ON XX/XX/XXXX IN OBSERVANCE OF THE FEDERAL HOLIDAY. THANK YOU Thank you for being a valued customer of XXXX XXXX XXXX XXXX. In the face of the current challenges impacting the world, we want you to know we are here to serve you : Our office is only open via appointment, please no walk-ins.
Email is the best way to contact escrow officer ; however, if you need to speak with escrow officer please call ( XXXX ) XXXX.
" DO NOT WISH TO BE ANYTHING BUT WHAT YOU ARE, AND TO BE THAT PERFECTLY. '' ( XXXX XXXX XXXX XXXX XXXX XXXX " XXXX '' XXXX Escrow Officer/ Manager/ Notary XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Office ( XXXX ) XXXX / Fax ( XXXX ) XXXX Cell ( XXXX ) XXXX Office Hours Monday-Friday XXXX XXXX XXXX XXXX XXXX
I was also informed by the Secretary of State and was told that XXXX XXXXXXXX XXXX had purchased XXXX and this is the following Reply XX/XX/XXXX XXXX, Please be advised because your request is XXXX XXXX XXXX XXXX we are unable to assist.
XXXX XXXX records are not held by XXXX XXXX XXXX XXXX XXXX XXXX successor by merger to XXXX XXXX XXXX XXXX. and we are not authorized to sign on their behalf.
XXXX XXXX XXXX sold its home lending assets, and the servicing with respect to those assets and all associated account records was transferred to Vericrest Financial XXXX Inc., now known as Caliber Home Loans , Inc .
Since XXXX or earlier, XXXX XXXX and The XXXX XXXX XXXX XXXX XXXX have had no continuing involvement in the servicing, collection or activities associated with these loans.
Please email Caliber at XXXX for further assistance as they have access to archive records their front line associates may not be able to retrieve.
Caliber Home Loans XXXX XXXX XXXX XXXX XXXX, OK XXXX PHONE XXXX Phone XXXX Fax # XXXX Respectfully, XXXX XXXX XXXX Assistant Vice President, Mortgage Servicing Mortgage Division | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX fax XXXX XXXX
|
| 02/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
QWR and DVR and Notice of Legal Hold On XX/XX/XXXX I entered into a securities transaction with undisclosed to me XXXX XXXX who was acting via chain of XXXX XXXX XXXX, XXXX ( originator whom pretender XXXX XXXX XXXX XXXX XXXXXXXX passed my information ) and XXXX XXXX XXXX XXXX XXXX Caliber Loans Inc.
None of these parties were disclosed to me in RESPA settlement which was forged to cover time when I signed it During the closing I received information about {$130000.00} and Deed for the property. I was confident that XXXX XXXX received these money from XXXX and forwarded them to property XXXX XXXX lender as a payment on my behalf.
So, I signed a Promissory Note to XXXX and Mortgage to allow XXXX access to my property.
As I later learned, neither XXXX XXXX of XXXX XXXX XXXX can not provide me any proof of any funding from XXXX or anyone else.
On XX/XX/XXXX I received a letter from XXXX company informing me that servicing rights were transferred from XXXX ( whose loan number was listed as XXXX to Caliber whose loan was listed as XXXX.
As I alter learned, someone prepared an Alloge to my Note which was titled to Caliber, However, Caliber is a fictitious corporation created from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX of which are XXXX as Caliber in my transaction : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX who used Calibers name on the letterheads to create appearance that my loan is serviced by Caliber.
Caliber did not do anything as a Servicer at all. Servicing activities were performed by XXXX, who sent me billing statements, XXXX XXXX XXXX ( owned by XXXX XXXX XXXX XXXX, branch of XXXX XXXX ) who collected and processed my money into account with XXXX XXXX XXXXXXXX held by unknown to me parties.
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX that servicing of my alleged loan was transferred from XXXX XXXX XXXX, XXXX dba Caliber to another hedge fund, likely XXXX, XXXX who was XXXX via XXXX XXXX XXXX, XXXX, a single member XXXX XXXX XXXX wholly owned by another single member XXXX XXXX XXXX Mortgage Co XXXX XXXX ( owned by XXXX XXXX ) who purportedly purchased my alleged loan from undisclosed to me parties, but implied from XXXX XXXX XXXX, XXXX dba Caliber.
During all time in question I tried to validate this debt by QWR and DVR without any accord. XXXX companies hired by XXXX XXXX sent me numerous absurd runaroudns acting as XXXX. XXXX companies hired by XXXX XXXX sent me contradicting with XXXX runarounds.
XXXX, whom XXXX XXXX and XXXX rock are servicing under Caliber and XXXX names have no records about my transaction at all.
On XX/XX/XXXX XXXX died, thus XXXX XXXX XXXX, XXXX is not a single dead member XXXX.
Yet, on XX/XX/XXXX dead XXXX XXXX managed to hire XXXX lawyer XXXX XXXX who submitted XXXX XXXX in XXXX XXXX XXXXXXXX demanding from me payments to XXXX XXXX in the amount of {$140000.00} XXXX dont know how lawyer Cook XXXX to deliver my money to XXXX XXXX XXXX I hope directly, but I have objections to this False Claim specially since Caliber ( now owned by XXXX XXXX XXXX XXXX on XX/XX/XXXX sent me a letter stating that the owner of my alleged loan is XXXX.
XXXX, who deny any knowledge about my transaction, sent me Form XXXX evidencing that someone pooled my alleged loan with XXXX XXXX while XXXX claimed to be a servicer for pool XXXX. As the result I am forced to proceed with Adversary complaint and demand ALL parties specially XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX, XXXX, Caliber and XXXX to place legal hold and preserve ALL documents related to my transaction.
All administrative remedies have been exhausted. None of the defendants have answered statutory letters demanding the disclosure of the location and status of an implied ( but never stated ) unpaid loan receivable account or the owner of such account.
If that account exists and the owner is disclosed and affirms that it is making the claim, then XXXX concedes that judgment should be entered for the Defendants. But if the account does not exist and the defendants can not provide corroboration for their claim that they are owed money due to a breach by thXXXX XXXX of a promise to pay them, then the court should issue a declaration regarding the ownership of the subject recorded XXXX, an injunction prohibiting the defendants from asserting claims, an injunction requiring the defendants to withdraw and correct prior notices and filings regarding the alleged default or breach by the XXXX and damages in the form of disgorgement of money received by them contrary to law plus statutory damages, and common law tort damages as set forth below together with interest, attorney fees ( according to statute ) and court costs.
|
| 02/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/XXXX, I mailed a check in the amount of {$200000.00} which was for the XX/XX/XXXX payment with the remaining to be applied to the balance of the loan, as noted on the statement mailed with the check. Instead, Caliber Home Loans applied the funds to XXXX, XXXX and XXXX of XXXX. The remaining amount was applied to the balance of the loan, which is not what I requested.
On XX/XX/XXXX, I called and was told they would reapply the funds as I originally requested. The Customer Service Rep also said that I could not payoff the loan with a regular check ; she indicated that a cashier 's check is required. I told her this fact was not noted on the monthly statements. She could not handle my request herself and said she would refer the request to another area and that it would take up to 10 days.
During the week of XX/XX/XXXX ( I'm not certain of the exact date ), I called and was told that my previous request was cancelled. There was no explanation as to why that occurred. I asked to speak to a Supervisor, but the CS Rep said there was no one available. I asked for a Supervisor to call me back. The CS Rep asked me to hold while she took care of my request. She did not actually handle it herself, but stated that my request had been submitted to the appropriate area to apply the payment as originally requested. She indicated my payment would not payoff the loan. I asked for a loan payoff quote once the payment was corrected.
In the first week, or so, of XXXX ( again, I'm not certain of the exact date ), I called again because no action had been taken and I had not received a payoff quote. I had also not received a call-back from a Supervisor. The CS Rep advised that the correction should be made by XX/XX/XXXX.
On XX/XX/XXXX, I submitted a request in Caliber 's online service center and asked for my payment to be reapplied correctly. I also asked for a Supervisor to call me.
An automated response was sent from Caliber on XX/XX/XXXX indicating that a " Senior Specialist '' or a " Manager '' would call back in 7 - 10 business days.
I replied immediately on that same day, XX/XX/XXXX ( again in Caliber 's online service center ), indicating that 7 - 10 days was not acceptable given that I had already been waiting for a month for my account to be handled.
An automated response was sent from Caliber on XX/XX/XXXX indicating that a " Senior Specialist '' or a " Manager '' would call back in 7 - 10 business days.
Caliber sent text messages to my phone on XX/XX/XXXX and XX/XX/XXXX, indicating that action was finally taken on the account. I checked the website and it showed my XXXX payment was applied but that it was 59 days late. The remainder was reapplied toward principal, but now a payment for XXXX was showing as past due.
On XX/XX/XXXX, I called again because I had received no statement, no loan payoff quote... nothing. When I asked to speak with a Supervisor the CS Rep explained all of the following : only one Supervisor was working that day ; the Supervisor has too many other calls and is too busy to talk with me ; I'm not the only one that is experiencing problems ; and, they have a new computer system, so everyone has problems and they are overwhelmed with calls.
I explained the issues to the CS Rep. She said she did see my previous request for a payoff quote and doesn't know why it wasn't sent. She indicated that I was provided incorrect information previously about a loan payoff and that a Cashier 's check is not required. There is a fee, though, as shown on the monthly statements. I told her that there is no mention of a loan payoff fee on the monthly statements. She gave me a payoff quote of {$960.00} and said it was good until XXXX ( not sure of the exact date ) ; however, she then said that the payment would need to be received by Monday, XX/XX/XXXX. She indicated that the reason they would need to have the payment by Monday is because XXXX 's payment of $ 1,200+ had not been received and that they would need either the loan payoff OR the XXXX payment by Monday. One or the other. ( Obviously, I chose to send {$960.00} to payoff the loan. ) She offered to provide wiring instructions ; but, because it was Saturday, I chose instead to overnight the payment ( guaranteed to arrive on Monday, XX/XX/XXXX ).
My check for {$960.00} was cashed on XX/XX/XXXX. From what I can tell, however, the check has still not been applied and I have not received confirmation of the loan payoff, as requested. I have also not received a return call from a Supervisor.
I believe Caliber Homes has been quite unfair in the handling of my payments and in continuing to accrue interest on the loan after the date I made a {$200000.00} payment, which was the balance of the loan in XXXX.
|
| 05/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
Caliber bank sent me incorrect modification documents, and they are aware the AZ HUD ( HAF ) is paying {$25000.00}. to reimburse expenses Caliber incurred due to missed payments as per the Cares Act/ forbearance during Covid. Caliber is extending my mortgage by 14 years, or nearly {$170000.00}. more in payments, because they will not receive the money ( {$25000.00} ) from the state of AZ for approximately 3 weeks, yet advised they still plan to keep the money from the state of AZ upon receipt.
I am forced to sign the modification documents that they actually mailed to an incorrect address, and so had to e-Mail to me shortening the amount of time I had to review. I am told I must sign these papers, and increase my mortgage payments to Caliber by 14 years, from the 26 year balance to a new 40 year loan they never discussed with me or advised me of, even though I am now aware of a potentially fraudulent act on the part of my mortgage servicer.
The {$25000.00} that I applied for assistance to the state for was to be used to make up for the payments not made during the forbearance period. I did not intend for the state to send that money to Caliber to have them collect it in addition to collecting 14 more years of payments from me. They are doing this with full knowledge that they are being paid twice. As they told me about this, I feel they have now made me a party to their unjust enrichment/fraudulent acts.
The paperwork that they provided me with states that the unpaid amount of mortgage payments was approximately {$20000.00}. They advised State Of Arizona That the outstanding amount due is in excess of XXXX. They have also quoted other outstanding amounts in the area of {$26000.00}. Each time I speak with them there is a different dollar amount quoted, which is very disconcerting.
I have not been able to access my account online at Caliber bank website for nearly 2 years. They have limited access to anyone who is part of the Forbearance program. I switched to electronic access to my account just before the forbearance program/Covid struck. As such I am flying blind in this regard and can not obtain an accurate assessment of my account. I was told to send three trial payments in to Caliber bank beginning in XXXX and I have done so. I made the first payment in XX/XX/XXXX. I sent those by mail as instructed. I have made five mortgage payments, in full, with the last being made online through my bank on XXXX XXXX.
I cant be a party to Caliber Banks plan to keep the money, but Caliber Bank has only given me until XX/XX/XXXX to mail the modification documents back to them, or are threatening foreclosure. This was per my conversation with XXXX at Caliber bank today.
Yesterday, I spoke with a XXXX at Caliber Bank who asked me to provide her with proof that the state of AZ/HAF is/will be making the payments and approved my application for assistance. I emailed her a PDF version of the approval letter from HAF as well as a PDF print out of the XXXX1 payments being made in the amount of {$2000.00}, and one payment in the amount of {$2000.00}. The total of this is {$25000.00} being paid to Caliber bank. Regardless, I was told today that they are accepting those payments but still modifying my mortgage as if the payments are not being received. They told me I have to EITHER accept the payment from the state OR accept the modification but not both. I confirm that if I accept the payment from the state, which wont be a receipt for three weeks, they will likely put my account into foreclosure status so thats not an option. The payment from the state is not going to me its going to Caliber bank anyway. Accepting one or the other which is not even possible in my case. Yet, they are doing BOTH, taking the payment from the state of Arizona and taking 14 additional years of payments from me.
They are well aware of this yet are continuing to tell me that these are my options. I have no options. Theyre forcing me to sign the modification knowing that they intend to take the states money and keep it even though its not legal for them to do so.
This is not only reimbursement from two different individuals/entities for the same loss but the bank is knowingly involving me in this, when I applied for assistance from the state, but never to assist Caliber in committing fraud.
I dont have any good option in this case, as Caliber is forcing my hand.
When I repeated this back to XXXX today at Caliber Bank and asked her if this is truly what they expect of me and intend to do, she said basically yes, the only other option is my account will go into foreclosure status, I was appalled.
I need assistance, please!
Are they doing this to other homeowners in my same situation?
|
| 03/09/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I called the XXXX XXXX XXXX ( XXXX ) on or about XX/XX/2017 with a home mortgage that was close to auction. Once my mortgage serviced by XXXX XXXX ( XXXX ), became more than a month overdue, they would not accept anything except all arrears paid in full.
A major illness, and subsequent hospitalization kept me out of work for a short time, yet long enough to affect my financial situation in a detrimental way. Shortly after this, my wife underwent costly medical testing and was diagnosed with a multiple health issues, 2 of which were serious.
I am informing you of this because it is important to know that I did not become delinquent due to lack of commitment to an acquired debt, or misuse, of any kind, of monies owed to creditors. To the contrary, I have always maintained employment, and when work slowed, I willingly sold assets to ensure my mortgage was paid. Therefore, the experience I have had with the XXXX feels like being kicked when down.
When I called XXXX, I initially spoke with XXXX XXXX XXXX. He was very helpful, seemed informed, and available and/or very quick to get back to me. He, after reviewing all of the requested paperwork I sent over, informed me that I was eligible for XXXX. XXXX XXXX XXXX understood that my mortgage servicer had been XXXX for several years and was very recently sold to Caliber. I was told that I would have to continue working with XXXX, but that by qualifying for this program, my payments would be reduced significantly, all arrears would be restructured into the loan, and I would be on a fixed rate between 2.5 % -3 %. He also stated that our first trial payment would be due XX/XX/XXXX. This was 3 months away. I was told that they would need {$2700.00} put into their account via XXXX wire transfer before any paperwork could be prepared to present to the lender. I did this. I was also instructed that for the process to move forward I needed to file for bankruptcy to halt the sale of the home. I was told how to and where to go to complete this process. I did this as well. I was informed by XXXX XXXX XXXX that if we spoke to our lender it would jeopardize the process. XXXX XXXX XXXX also informed me to not pay anything on the mortgage because it was not necessary until the deal was done. Then I was told to wait. I waited On XX/XX/XXXX, I was informed by someone named XXXX XXXX XXXX ( senior loan processor ) that my file was accepted and was in processing. Again, I waited and was told under no circumstances, to speak to anyone at the lending end of the mortgage. During this time I sent over additional documentation requested by XXXX XXXX. I inquired about how much time it would take to have everything in place and wasn't given a defined answer ; I was told to understand it would take a little bit of time, and it was reiterated that we must not speak with the lender/servicer on the mortgage.
On XX/XX/XXXX, XXXX XXXX emailed, stating that the " modification '' had been approved through Caliber. I thought this was strange, because it was stated that it would be a restructure through XXXX. Upon questioning her she refused to give me a clear response, instead saying aren't you just happy we saved your house?. She was very concerned that I fill out a BBB survey for her which I refused as I was not happy with the result. Moving forward, I called Caliber as instructed in the email sent by XXXX XXXX. I was told that my payment should be made by or before the last day of XXXX. I sent a cashier 's check, drawn from my credit union, on XX/XX/2017 directly from my local post office. On or about XX/XX/XXXX I received a phone call from Caliber stating that I had not signed the modification agreement. I inquired as to where they sent it. First I was told my residence, then it was said that it had been mailed to the lawyer. There was never a lawyer involved in this.
Subsequently, I was told that the mortgage was again in default, I received a refund check from Caliber in the amount I had paid on XX/XX/XXXX, with a letter stating that it was not the amount if the arrears in full and would not be accepted. I called XXXX and let them know about the situation. We had done EVERYTHING we had been asked to do to get this on track. XXXX XXXX XXXX stated at that time that the banks play these games he would talk to his manager and get things right for us at no extra cost. XXXX XXXX XXXX has never spoken to us since. We have emailed him several times in an attempt to pay our mortgage, at this point, XXXX will not respond as a company.
There was no mortgage relief in this, there was no assistance. If anything, a greater problem has been created by this company. I am out {$2700.00} and my home us back on the auction block.
|
| 10/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
This complaint is a follow up on previously filed complaint with CFPB # XXXX that I understood was resolved on XX/XX/XXXX, per communication from Caliber loan agent XXXX/operator XXXX XXXX, and her informing me that the payment agreement that I had signed/returned to Caliber for a XX/XX/XXXX mortgage restart after COVID forbearance was in place. Since then, I understood, per Loss Mitigation Specialist, XXXXXXXX, that underwriters were working to bring my account active per the agreement on file now. And since I filed that complaint with CFPB and understood all was in place, I also made my first mortgage payment on XX/XX/XXXX. But since XX/XX/XXXX, I have received notices from Caliber that state I am in default, that I have 30 days before a foreclosure process will be started, that I should get an attorney and also pay the deferred amount ( $ XXXX by XX/XX/XXXX, and that I am 411 days delinquent. ) and that my loan terms are being modified. This is VERY concerning. When I review my account on the Caliber mortgage site on a daily basis, it has yet to show that my account reflects the payment agreement, with the XX/XX/XXXX restart date. It continues to show that I am 411 days past due. I have called Caliber serval times about this one explained all this should be/has been resolved based on the XX/XX/XXXX resolution with XXXX/underwriters, but no one seems to be able to actually confirm that. I called this week, XXXX XXXX and waited over an hour on the phone to spoke with a Manager, XXXX, who informed me that he could see the notes/actions as requested by XXXX and that underwriters and Caliber had agreed to abide by the signed agreement in file now and defer the $ XXXX and abide by the initial interest rate/terms of my 30-year fixed mortgage. But XXXX said they have not updated my account. He was not sure why and he said he would contact the dept. that was processing/completing the underwriting to learn when they would be finished with my account because he now knows it's been 36 days since the agreement should have activated and he said it should have been done in 3 weeks. He also said he would ask that what he said were 'system generated ' /automatic foreclosure notices, that 'were not activated ' -- be stopped. I asked for written notice of all the information he shared w/me and esp. w/re to the approval to hold to my initial mortgage terms and the deferral of $ XXXX and he said only the COMPLIANCE dept. could provide that and he could not provide anything in writing confirming this, even just s simple email to me he was not able to provide to reassure me that the payment plan was in place because I had not received any written communication or notice on the website tot hat effect. I said that I continue to get notices and conflicitng information every time I call Caliber and it is incredibly alarming to receive these foreclosure notices because my payment agreement should be in place and these notices fly in the face of that. I explained to XXXX that at this point, with so many people that I speak with at Caliber not knowing what is going on my with account and getting differing information, that a verbal/our phone call was not good enough -- and I requested at least a printout of what he is actually seeing as noted in my account. He said he could not provide that. I am VERY CONCERNED that what I thought had been resolved with the complaint I filed on XX/XX/XXXX is a rouse and that Caliber is going back on what they said they would do. 9I understand now from XXXX that XXXXXXXX is no longer with Caliber either so only her notes exist and that is another concern. ). I am extremely concerned that I have not received written notice or a confirmation that my agreement has been received and is in place and being worked on by underwriters ( even thought that is what I am told by Caliber operators ) -- and that Caliber is going to continue to tell me all kinds of reassuring things as these 'fake or inaccurate or inactive ' foreclosure notices continue to be sent and that that nothing is actually in place and that my house gets foreclosed. It's a simple thing to provide a statement of actions on my account and esp. the status of the payment plan with underwriters so that I have reassurance IN WRITING that my payment plan is in place and that at issue is only the electronic systems at Caliber which are lagging behind underwriters work on my loan ( which is what they say they are doing to deal with the deferral, which makes NO sense to me because the terms stay the same, the interest rate and payments stay the same ) so why underwriters are even involved is not clearly understood to me. )
|
| 05/03/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
We purchased our home in XXXX XXXX and the mortgage lender was XXXX XXXX XXXX . In XXXX , we applied for a loan modification due to financial hardship ( XXXX XXXX XXXX was now our servicer ). We submitted a loan modification application, along with proof of hardship. We were informed multiple times that they were working on our application and that we should receive something in the mail soon, but it never happened. We could not wait any longer so we filed for Chapter XXXX Bankruptcy in XXXX . We completed the bankruptcy case, fulfilling every stipulated requirement, payment to the trustee for five years, timely mortgage payments and turning over to the trustee, the income tax refund for the required 3 years, as evidenced by the Trustees Final Report and Account to obtain Discharge from the United States Bankruptcy Court. Our application for discharge was wrongfully denied on XXXX / XXXX / XXXX , due to the erroneous claim made in Court by Calibers attorney, of the outstanding balance of {$36000.00}. My Bankruptcy Attorney, XXXX XXXX , contacted Calibers current representing attorney, XXXX and XXXX , XXXX , to see if they had received the proof of payments that they claimed was received after the XXXX / XXXX / XXXX BK hearing. She is still awaiting for a response from them. My attorney can not proceed with a BK discharge until they reconcile their records. A few weeks after the BK discharge was denied, I received a Notice of Default and Intent to Accelerate fro m Caliber. I sent Calibers Bankruptcy Department a letter, dated XXXX XXXX , XXXX ( see attached ) with proof all mortgage payments in the amount of {$2300.00} from XXXX to the present. In addition, I requested a payment history from XXXX Countys T ax Collector ( see attached from XXXX to the present ). The payment history specified who had made the property tax payment. I then provided Caliber with proof of every tax payment made by me, either directly to the tax collector or reimbursed to a servicer. The XXXX XXXX , XXXX letter was a Notice of Error, Request for Information or Qualified Written Request requesting that they reconcile their records based on the proof of payments that I had provided. To date, we have not received a written response fro m Caliber t o the letter, dated XXXX XXXX , XXXX . On XXXX XXXX , XXXX , I spoke with a Caliber representative that confirmed that they received the proof of payments and he informed me that they had withdrawn the motion filed but that it would take a few days to process. I thought that finally Caliber wa s listening to what we had been saying all along, but on XXXX / XXXX / XXXX , they sent a Notic e of Default and Election to Sell Under Deed of Trust that showed a balance of {$53000.00}. I contacte d Caliber and I was informed by XXXX ( emp loyee number XXXX ) that there is an outstanding balance of {$5200.00} for XXXX and XXXX XXXX mortgage payment. I told him that I had made the payments in question and that I would print mortgage payment confirmation and send to them right away. The next day, I faxed over a letter with the payment confirmation ( see attached ). Just as a precaution, I also sent it to their customer service email. On XXXX / XXXX / XXXX , I was informed by XXXX ( employee number XXXX ) that they did not receive my XXXX mortgage payment either. I informed XXXX that the proof of mortgage payment I had sent the day before, XXXX XXXX , XXXX , also showed XXXX mortgage payment. She also informed me that theres a life of loan payment history request and that its hard to say, at this point, what is really owed. XXXX said that they hadnt received by payment verification but that it appeared that it may have been applied to a mortgage payment in XXXX . She asked me if I had made a large sum payment on XXXX / XXXX / XXXX in the amount of {$22000.00}. I told her that I had not but that amount was very close to amo unt Caliber was cla iming was outstanding when they bought the loan from XXXX . I expressed my concern th at Caliber h ad filed Notice of Default Intent to Ac celerate without reconciling their records. I honestly, dont know what to do anymore. I have worked so hard to keep my home during the bankruptcy and after my separation in XXXX so that my children dont suffer any more losses. I dont think its right or fair to apply for a loan modification of some sort if I dont owe what is being claimed and they want to take our home. I pray and hope that you can look into my situation.
|
| 04/26/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
3 years ago, my husband went through Chapter XXXX bankruptcy. I did not. Even though I did n't, because my husband is party to our house payment, the note servicer, Caliber home loans can not report to credit agencies, nor charge any late fees. My perception was that the only reason I should pay the note on a monthly basis was because it was the right thing to do. There appeared to be no negative consequence as long as I continued to make payments. I was never informed otherwise by the loan servicer. In fact, we never even received a statement of our account for the three years, either. I only received an annual statement telling me what my new payment would be each year. We had a modification agreement which expired in XXXX , so it became imperative to refinance. Our payment jumped from about {$1600.00} per month to about {$2500.00} per month, or from 3.25 % to 7.1 %. We started XXXX XXXX , XXXX to do a VA refinance loan. A VA loan requires the house to be in near perfect condition and the house had a huge pest report of {$26000.00} that needed to be cleared. ( We were never told by our new loan originator that we would be having a payment history provided by Caliber home loan s to the new lender. Of course, had we known that we would have made sure that the payments were made earlier in the month. ) Since my husband and I did not have {$26000.00} we decided to do all the work ourselves which took us until XXXX XXXX , of XXXX . This was the day the inspector was to arrive to inspect. Many days prior to that we re 15 hour days fo r each of us and we worked every waking minute until the pest inspector arrived. Although it was typical that I made each payment in the latter part of the month, during the last week of the month of XXXX XXXX , I attempted several times to make the payment online, after my day 's work was completed. Each time, the site was down for maintenance. The on screen message was that they were doing a little work on their own house. Finally it got to be the XXXX and this time the site was up. I made the payment successfully and I have a message that I have done so, both in my personal email, and in my online account w ith Caliber home loans. I have attached both.
None the less, because Caliber does n' t post payments the same day they are made, they are reporting me as 30 days late for the XXXX payment, even though they posted my payment only 28 days after it was due and I made it on the XXXX day of the month. I made the XXXX payment also on the XXXX and it was not marked late. f No where in the original note, does it state that a payment made late will be reported late to a credit bureau. No where in the original note does it define the concept of a reporting period, or that a 28 day month is the same as a 31 day month in terms of reporting or for any other point. This is just servicing company policy. I have spoken to the Assistant Vice President for Customer Complaints, XXXX XXXX , who in turn spoke to the Vice President of Communications. XXXX is sympathetic, and the XXXX XXXX XXXX agreed that I was right in theory, however they still refuse to correct my credit report, because " if they did it for me they would have to do it for everybody ''. In other words, they could fix this, but they wo n't. California LAW states I am correct. See attached letter from my attorney, XXXX XXXX XXXX , stating Civil Code. Additionally, in order to obtain my new loan, I was required to provide a copy of the original note, also attached. I was told by Caliber that it would take 5 to 7 busin ess days. I requested it XXXX XXXX , XXXX . It took until XXXX XXXX to arrive. They would not email it to me, it had to be delivered b y USPO s ervice. It was dated XXXX XXXX , but not postmarked until XXXX XXXX , XXXX . Another arbitrary Caliber policy.
I was able to obtain that same note in 5 b usiness HOURS by EMAIL, from the original lender, XXXX XXXX . I feel the delay on the part of the servic er, Caliber, is because I am paying 7.1 per cent and that every day they delay is to obtain more money from me.
Further, the attached response from Caliber to my attorney, says that they will respo nd in the time allowed by law. My attorney states that this is an indefinite period. Again, I feel they are dragging this out, in order to collect as much interest from us as possible. If they do n't agree to change it, we will not be able to refinance f or 11 more months. Please help us resolve this matter.
|
| 06/06/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Recently I filed a complaint with Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX pretending to act as a Trustee called the XXXX XXXX XXXX XXXX which has not returned any of my calls to date. Also Caliber Home Loans, Inc. ( Caliber ) claims to Service my loan but has failed to address any of the issues I have presented to them.
They claim they have Rights to Enforce the Deed of Trust and Note originated on XX/XX/XXXX, with a principal balance of {$310000.00}. The original lender was XXXX XXXX XXXX DBA XXXX. The Note is secured by a Deed of Trust that was recorded against the property located at XXXX XXXX XXXX XXXX, XXXX, California XXXX. Your loan was bought by XXXX XXXX ( i.e. XXXX ).
Caliber advised numerous times, XXXX XXXX XXXX, XXXX, as Trustee for XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) acquired your loan from XXXX XXXX on XX/XX/XXXX which is a misrepresentation and there is no evidence to prove this.
There are at least two different versions of the Note. They claim that the " two versions of the Note you included with your complaint are identical with the exception of the indorsement stamp ''. The stamp is undated so we do not know who endorsed it, nor when, nor to whom?
They claim that " XXXX XXXX XXXX is in possession of and can enforce the Note under California law, through its designated loan servicer Caliber ''. Yet we have requested many times to see the original note many times and they have refused.
Therefore we can safely conclude that XXXX XXXX XXXX does not possess the original Note that I signed in XXXX.
I did not receive a notice of assignment of your loan within 30 days of the assignment pursuant to 15 U.S.C. 1641 ( g ), and therefore automatically rescinded the loan.
They received a copy of the automatic rescission of the note sent to General Correspondence address : XXXX XXXX XXXX XXXX XXXX, OK XXXX, www.CaliberHomeLoans.com, Notice Of Error, Request for Information, or QWR address : XXXX XXXX XXXX XXXX XXXX, OK XXXX dated XX/XX/XXXX, according to 15 U.S.C. 1641 ( g ) which requires the assignee of a mortgage loan to notify the borrower of the assignment in writing within 30 days of the transfer.
The time has now expired and they did not object nor file a case in any court with competent jurisdiction in XXXX XXXX, CA. so we will proceed to record the cancellation of the note on title with the approval of the XXXX. XXXX XXXX XXXX violated 15 U.S.C. 1641 ( g ).
According to 15 U.S.C. 1640 ( any action under this section may be brought in any United States district court... within one year from the date of the occurrence of the violation. ). There violation occurred in XXXX of XXXX and in the state of California Borrowers have six ( 6 ) years to file the rescission and we did so within said time frame.
Also under 15 U.S.C. 1641 ( g ), and the right-of-rescission provision of 15 U.S.C. Section 1635, applies to all consumer credit transactions, involving borrowers who are natural persons as is the case here. Also see 15 U.S.C. 1602 ( i ), 1635 ( a ) transactions involving the sale, transfer, or assignment of loan between banks, lending companies, creditors, etc. pursuant to violations under 1641 ( g ).
Therefore, the violation of 15 U.S.C. 1641 ( g ) is automatic and no action needs to be taken by the part of the natural person borrower.
Rescission under 15 U.S.C. 1635 of the Truth-in-Lending Act ( TILA ) is not time barred and is determined on a State by State basis. In California it is six ( 6 ) years.Therefore, the right of rescission would expire in six ( 6 ) years after the consummation of the transaction, meaning the time when a consumer becomes contractually obligated to a credit transaction from a new alleged lender which was against all Bankruptcy rules and regulations in XXXX of XXXX.
Also see 15 U.S.C. 1635 ( f ) ; 12 C.F.R. 226.2 ( a ) ( 13 ) ; see also XXXX v. XXXX XXXX XXXX XXXX in the State of Montana.
The alleged notice of assignment lists a new account number for your loan, which is XXXX, and which was securitized and sold on Wall Street after having been sold and funded by XXXX. See the copy of the note from XXXX attached.
They used the name of XXXX XXXX XXXX to do this, c/o : General Correspondence address : XXXX XXXX XXXX XXXX XXXX, OK XXXX www.CaliberHomeLoans.com, Notice Of Error, Request for Information, or QWR address : XXXX XXXX XXXX XXXX XXXX, OK XXXX Sincerely, XXXX XXXX XXXX XXXX Senior Vice President Customer Advocacy and Response Team
|
| 08/31/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
SUMMARY : Caliber Home Loans erroneously posted a XXXX late-payment notice on my credit report and I want it removed. A Caliber Home Loans customer service representative told me that my XXXX payment did not go through due to an error with their third party payment processor. I have the confirmation number of that XXXX payment by their third party processor, Caliber Home Loan 's own internal system shows this exact XXXX payment confirmation number, and my mortgage payment statement reflects that I made my XXXX payment. Still, my payment was reported as late. I feel this is a misrepresentation of the facts by Caliber and it is erroneously being reported on my credit report.
TIMELINE : I submitted my mortgage payment for the month of XXXX. I used my usual payment method and submitted the payment to debit my bank account. The confirmation number for that transaction was XXXX. The XXXX payment appeared on my mortgage statement.
In early XXXX, when I went to submit my XXXX payment, I noticed my XXXX payment was rejected. I promptly paid both XXXX and XXXX payments at the same time but Caliber Home Loans already reported a 30-day late payment to the credit bureaus.
At this point, I double-checked my bank account and my bank statement showed I had more than enough funds to cover the XXXX transaction multiple times.
I called Caliber Home Loans three times on XXXX XXXX 2017 and spoke to three representatives : 1. XXXX told me that there is nothing that can be done. That opening a dispute to try and rectify the situation would result in an illegal violation of FCRA on their end. XXXX is not licensed to make such a statement.
2. Called again and another representative immediately opened a dispute and told me that I would get a written response within 10 days. He also told me the error code that their system generated when their third party payment processor processed the payment -- " Unable to locate account ''. I confirmed that I paid the same way I always pay, through their third party system. He later noted that I should have a favorable response since on their system the payment was attempted in XXXX but that the error on their end kicked it back.
XXXX. Called again and spoke to XXXX to submit my bank statement as proof that there were funds in the account. XXXX stated that there was no way to submit said bank statement to the dispute process but that he would make note of it on his log. He further explained that the error message was not from a lack of funds and that the dispute investigation will take note of that. When I asked for a manager, I was ignored.
I was alarmed that on the same day ( XXXX XXXX 2017 ), I got different responses on how to proceed with my issue. It makes me question whether my concerns were being properly handled. I was professional with all three customer service representatives. Having agents not have any standard response or knowledge management resource and telling customers whatever they want is always alarming. Especially when they start claiming legal violations of FCRA. That is not standard for contact agents to claim what is legal or not unless they are licensed to do so.
All efforts to further escalate the matter to upper management have been met with resistance.
On XXXX XXXX, 2017 I received a letter from Caliber Home Loans stating that they maintain their current stance and that the late - reporting would stay and that as a reminder, they must receive the payment within the month to avoid a late payment. I find this finding ridiculous as I did attempt to make a payment but it was rejected on their end.
CONCLUDING : I feel as I am being unjustly reprimanded through the submittal of 30-day late payment on my credit report. I have confirmation that I made the payment in XXXX by their third party processor, Caliber Home Loan 's own internal system, and my mortgage payment statement. Still, my payment was reported as late. It is not my fault that a computer error on Caliber/Payment processor 's end returned my XXXX payment ruined my credit score. I feel this is a misrepresentation of the facts by Caliber Home Loans.
ATTACHMENTS : 1. Caliber 's XXXX XXXX after I called to start an inquiry. Notice that the letter does not mention that I made any attempt to pay the mortgage nor does it address Caliber 's error code on their end.
2. My Caliber home loan mortgage statement stating that I made the payment.
3. My bank statement showing that I had enough funds to cover the transaction.
|
| 01/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XX/XX/XXXX Caliber transferred service of my loan to XXXX. Just before this transfer, I ended my COVID forbearance under Caliber, and made restarted payments eff. XX/XX/XXXX but was told I had to make phone payments because underwriters were working on my account. I requested the removal of PMI based on the evaluation of my home, done by Caliber 's broker and was issued a XXXX XXXX XX/XX/XXXX, showing the increased value of my home, which put the value above the threshold to carry PMI. Caliber let me know that underwriters would automatically remove this, they issued the letter and it would be included with all materials when the underwriter saw it, and I would see the removal of PMI in my statements once the underwriting was complete. When I asked why an underwriter was reworking my loan, since my mortgage terms remained the same per my COVID deferral/ending agreement, a SPOC agent let me know that all those ending COVID forbearance go through underwriting and it would take minimally 45 days to complete this. All this sounded reasonable, so I waited. Shortly after this Caliber conversation, I then learned in late XXXX that my mortgage servicing would move to XXXX, with Caliber holding the note. When I called XXXX ( many times ) to ask about status of the PMI removal they said they would review that and did not have the records and no information. I stated that I have the letter and it should be in my records from Caliber. XXXX said they would review it after they got my records and then later told me they could not 'see ' any records prior to my mortgage being transferred to XXXX for servicing. It is nowXXXX and my account is still inaccessible online. The PMI is still on my mortgage statement/payment. I have to make my payments by phone - and when I call to request a fix a CSA tells me they are working on it, but not before they tell me they are a 'debt collector '. By law XXXX/any services has 60 days after transfer to provide transparency around your mortgage. I am also now being hit with an escrow shortage, an increased mortgage payment. I spend countless hours on hold with no resolution and no information. At times, I have spent 2 hours on hold with no one answering. Who has the TIME to wait like this and then be told they don't have the info and/or they will file an IT ticket or complaint. This is not a good servicer that leaves the consumer in the dark about payments. What I want : access to view my mortgage and terms ; information on what is now a 2nd escrow analysis ( one in XXXX, a XXXX in XXXX ) ; removal of PMI based on my BPOE letter showing increased house value ; transparency around the COVID deferral/no-interest back due amount that should be shown separately from my main mortgage ( I am under same terms as prior to COVID, per my deferral agreement. ) which is now shown as being grouped in with the main mortgage with interest being charged on the combined total amount ( an increase of $ XXXX per month ). ( My total mortgage was {$510000.00} prior to my COVID deferral of 12 months. It is now showing on the paper statements that XXXX is sending as {$520000.00} with no breakout of the missed payments ( PITI ) from the new total mortgage balance. ( Caliber made escrow payments during my COVID forbearance ; any backdue should be tacked to end of loan, or sale/refinance. ) When I ask for clarification or correction from XXXX I am told they dont have my mortgage information prior to transfer, or, that I can file a complaint and they can do an analysis. They are not providing me with information around the details of my mortgage other than 2 paper billing statements and a 'hello/goodbye'/ 'welcome ' letter. XXXX is very simple not following the federal law regarding PMI removal, COVID deferrals and using delay tactics with the additional upfront cost being pushed to me/the consumer, while they take many more months to get information from Caliber and do an analysis. XXXX illegal delay tactics are costing me serious money and stress. At minimum, my interest on the mortgage should NOT be significantly and consistently higher than when I began the COVID deferral ( but it is per the 2 statements I've received ) and with PMI being removed, per law, my mortgage payment should be reduced by approx. $ XXXX {$150.00} per month. I want clarity around the ENTIRE scope/duration of my mortgage, what escrow payments have been made, what has been deferred into a zero-interest account, and the removal of PMI.
|
| 01/25/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
To : CFPB Consumer Finance Protection Bureau From : XXXX XXXX and XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX FL XXXX, Telephone number XXXX, and email address XXXX Re : COMPLAINT : Against - XXXX XXXX, SR. Vice Pres XXXX and XXXX XXXX of XXXX XXXX XXXX ( XXXX ), XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, MD XXXX AND - Caliber Home Loans XXXX XXXX XXXX XXXX XXXX, OK XXXX This complaint is about origination issues and the servicing of FHA loan by XXXX and Caliber Home Loans ; and the telephone message threat by XXXX attorney XXXX XXXX, to begin foreclosure proceedings on property on XX/XX/XXXX ; this was while Caliber HL was the servicer. Caliber loans colluded with XXXX to effect the demise of a mutual client. These mortgage companies are federal contractors of HUD/FHA and representatives of federal standards and expectations of fairness.
The FHA loan # XXXX ; and per the conversation with the XXXX FHA/HUD Office the case number indicates that the loan has been insured since XX/XX/XXXX. The loan was initially serviced by XXXX and sold to CALIBER LOANS ; and then sold back to XXXX for re-servicing ; which ; appears to be very suspicous and highly questionable concerning unethical referrals and fee splitting. Senior VP of XXXX, said Caliber required XXXX to buy back loan because of incomplete paperwork. ( email : XX/XX/XXXX ) It has been since XX/XX/XXXX that XXXX has been saying that the loan is under review for foreclosure by HUD. The Senior VP of XXXX, XXXX has intentionally misrepresented the truth to increase stress, pain and suffering ; intimidate and threaten with the following emails : 1. Mr. XXXX, HUD is NOT accepting the loan without confirming the deposit. Caliber will probably ask us to buy the loan back and we will ask you. Mr. XXXX, I am requesting that you avoid all that unnecessary back and forth and help us clear this and insure the loan with HUD. ( email dated XX/XX/XXXX ) 2. We need HUD to insure your loan ... They came back and asked us about a XXXX deposit and we requested that from you ... We are actually trying to stand by you and not have the loan go in to foreclosure due to HUD not insuring it because you refused to provide a requested document ..., HUD is requesting ( email dated XX/XX/XXXX ) 3. HUD has escalated the case and XXXX underwriter is working with HUD ( email XX/XX/XXXX ) The XXXX agree, according to Article 8 of the Compliance Agreement - to fully cooperate in adjusting for clerical errors on any and all loan closing documentation deemed necessary or desirable in the reasonable discretion of the Lender to enable the Lender to sell, convey PLEASE NOTE that XXXX have complied to complete business of the closing and sell of the loan ; and that on XX/XX/XXXX XXXX was given direct access to XXXX bank account. And without previous notice or approval XXXX changed the XXXX XXXX account password. Re : IP ADDRESS FDM appears to be attempting a cover up : Phone message XX/XX/XXXX XXXX XXXX XXXX beginning of pressure and stress ; we would like to process another loan for you.
Threat and intimidation by XXXX Atty XXXX XXXX - Phone Message XX/XX/XXXX I will begin foreclosure proceedings on Monday XX/XX/XXXX ; if I dont hear from you by the end of today.
Supported by email of Senior VP XXXX on XX/XX/XXXX Stating : Mr. XXXX we have your loan back. Your payments are going to be due to us now. Please confirm that you have received correspondence from Caliber. Accounting please advise (? ) the payments to XXXX. Mr. XXXX, XXXX will be sending out letters to you as to what to expect next. Please note that this has happened because you decided to not respond to our request for explanation of large deposit. Please also note that you had agreed to do so when you signed the loan documents. Mr. XXXX, I have a better loan for you at this time for you and I can refinance out of this Please email or call back so we can help you get out of this.
Supported by email of XX/XX/XXXX from SR. Vice Pres XXXX ; Mr. XXXX , Please call or email. All we are trying to do is make the situation better for you. Your payment will drop in Conventional refinancing and it will NOT cost you any closing costs.
PLEASE NOTE : XXXX have not received a welcome package from XXXX that includes the payment amount, date due and options to pay. Re : R.E.S.P.A. is has been 30+ DAY NJ XXXX RA XXXX CFPB Consumer Finance Protection Bureau XXXX HUD/FHA Resource Ctr. XXXX XXXX FHA XXXX
|
| 09/11/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) contacted us via mail, we responded, spoke w XXXX XXXX, and went through a qualification process. We were contacted next by the Senior Underwriter, XXXX XXXX on XX/XX/XXXX, who told us that he had spent several days on our file, had contacted our Mortgage company, Caliber Home Loans, and negotiated a restructure of our existing loan with the following terms : 2-3 percent, 30 yr fixed, and arrearages forgiven. He spoke with both my husband and me and told us this was done ( we had a complete modification pkg in at the time with Caliber and it was in underwriting ). I sent a letter of confirmation stating the terms quoted to XXXX. Next XXXX XXXX told us XXXX would sent a Cease and Desist letter to Caliber in our behalf, and a contract. She asked for three monthly payments for " performance trial payments '' for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX totaling {$1200.00} per month. We made all of our payments. I have copies of all of the cashier s checks, as well as the tracking number information of receipt of same. She said we would receive an award letter at the end of three months, and the restructured loan document. The Senior Processor, XXXX XXXX spoke several times to us, said forward any correspondence from Caliber to him, until XX/XX/XXXX and cashier 's checks to XXXX, to XXXX XXXX.
Meanwhile, we received an approved modification agreement from Caliber on XXXX XXXX, XXXX, which was an interest only, 5 yr loan from XXXX XXXX, rather that Caliber. The agreement needed to be signed and returned by XX/XX/XXXX, and we did not received it until XX/XX/XXXX. I contacted XXXX, and they encouraged me that the negotiated loan was more in our interest.
XXXX XXXX told me to forward their agreement to him. Recently in XX/XX/XXXX, we received a verification of claim amount, and then a Notice of Power under Sale from XXXX XXXX of a sale date of XX/XX/XXXX. I forwarded these to XXXX XXXX at XXXX. i made several calls, daily, w no return calls. I emailed XXXX XXXX at XXXXXXXXXXXX He told me that he would " Look into it. '' I emailed him several times, and there has been no action : at one point, he sent a second email, stating " please forgive me, I will reach out to you in 48 hours. '' There has been no response via phone or email from XXXX.
i next contacted XXXX XXXX, XXXX @ XXXXXXXXXXXX who advised me to call Caliber that day, and find out if XXXX had forwarded our payments to Caliber.
CALIBER They had no record of our payments, nor of a negotiated restructure of our loan.
Caliber told us that our offered modification agreement from them expired XX/XX/XXXX, and to send a new application package in " tomorrow. '' I spent an entire day getting our application package ready, and uploaded the documents to Caliber.
I spoke several times with different representatives, XXXX, XXXX XXXX, and XXXX. Each time they informed me that there is " no sale date. '' Our application pkg was acknowledged, and a couple of documents were requested at approximately on or about XXXX XXXX on XX/XX/XXXX, which i gathered to upload within the hour. I knew that the regulation X law protected us from " dual tracking '' which was in play. I had also documented in a memo to Caliber, that I had been told there was " no sale date. '' by the Caliber representatives, previously mentioned with their ID no. s I tried to upload the requested documents, and was blocked, then I called Caliber and they told me that they " must have just place a sale date in their system ( after I noticed them in a memo ) ; and now they '' won t review my application. '' I believe this is deceit according the the fair debt practices act, and the federal regulations.
I believe that first XXXX deceived us, and has received our payments.
XXXX needs to instantur return all of our payments.
Secondly, CALIBER has told us " no sale date, '' while their law firm has told us the opposite. They are both debt collectors, and must be in communication. This is against the FDPA, and federal guide lines.
CALIBER needs to instantur rescind the Sale date ; XXXX XXXX needs to instantur rescind the Sale date..
With all of this deceit, I believe that we should be given that which was promised by XXXX- a 30 year fixed loan, at 2-3 per cent interest, with arrearages forgiven.
This complaint is documented in order that we retain our family home of 26 years, and hopefully no other family experiences this.
|
| 05/29/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Over the course of the last year Caliber Home Loans knew that there was an escrow shortage in my account and neglected to inform me that this was the case ; it was never disclosed to me either by phone, mail or email that there was an issue and that my payment would increase.
On XX/XX/XXXX I went to pay my mortgage and found out that my payment had increased by over {$1000.00} from {$1800.00} the month prior to a new amount of {$2900.00}. I then found out that I would need to have my home listed as my primary residence with my county Tax Assessor in order to fix the issue and that I was being charged taxes at a 6 % rate when I should have been charged at a 4 % rate. When I called Caliber home loans I was told by the representative to make payments until I had everything situated with my county adjusting my tax rate and that I would need to call back and submit documentation showing that the tax rate had been readjusted. When this was submitted they would submit an escrow re-analysis and that any overages that were paid while at the 6 % rate would be refunded to me.
I called the county tax assessor and found out that I needed to provide utility statements and other documentation as verification that I had lived in the home since closing on it in XXXX of XXXX.
I obtained and provided those documents as well as many others to XXXX county tax assessors to prove what was needed to re-assess my taxes at my primary residence tax rate of 4 %. When providing these documents to XXXX County they retroactively adjusted my tax rate back through XXXX and provided documentation for me to submit to Caliber home loans for escrow re-analysis.
When submitting the documents I was told that a case would be opened and they would evaluate and readjust accordingly. It was once again stated by the representative in the tax / escrow department that I would be refunded the overages from the mortgage payment on XX/XX/XXXX at the 6 % rate. I was also told that the escrow re-evaluation would be completed by the end of the month.
On XX/XX/XXXX called Caliber again to see if the mortgage payment had been or would be re-adjusted and if I should pay the {$2900.00} payment since my payment is due on the XXXX of every month. I was told to call back on the XXXX.
On XX/XX/XXXX I received a check in the mail from XXXX county in the amount that was over paid by Caliber Home loans for XXXX XXXX {$4500.00} ) On XX/XX/XXXX I reached out to Caliber yet again and found out that my payment had been re-adjusted to a new payment amount of {$2200.00}. I then explained that I received the check from the county and wanted to know how best to handle the over payment from the month prior ; whether I should deposit the check from the county and send them the difference from what was over payed and keep the rest in my account or if it they would need to issue a refund for the over payment.
I was then told that I would need to remit the full check from the county as well as an additional amount of over {$100.00} and that there would be no refund for overpayment the month prior.
I explained what was stated by both previous representatives and explained that just as the county retroactively refunded me for the year XXXX that this would be no different on their end. I stated that the difference between the payment I am now being quoted by them was a {$650.00} difference from what was paid the month prior and that amount needed to be remitted to me in one way or another.
The Caliber home loans representative placed me on hold 3 separate occasions each over 5 minutes. I asked for them to send me a breakdown of the escrow re-analysis to show where the over payment went if I was not to receive it back and somehow owed even more than what the county refunded. The representative then scrambling to get me off the phone sent me a payment ledger that was made for taxes and insurance for the prior year, information that showed nothing as to how I now owed more and was not being refunded for the overpayment made. I asked to speak with a supervisor several times and the representative did not transfer me.
Certainly seems like predatory lending to me if a lender is unwilling to verify and explain to the consumer where their payments went and how they arrived to the numbers and figures that the consumer would be paying. Certainly seems like my overpayment is just disappearing into thin air.
|
| 08/08/2019 |
Yes |
|
|
|
Web |
Servicemember |
|
My wife and I recently completed a refinance of our existing home mortgage with Caliber Home Loans mid-XX/XX/2019, who was and remains our home mortgage company. We had questions about the numbers throughout the entire process with the Caliber Senior Loan Consultant as they changed weekly, if not daily. We have several email exchanges between Caliber and myself or my wife. On the day of the closing the numbers didn't make sense and we even reached out to the closing company along with Caliber staff as we were concerned. The Caliber Senior Loan Consultant advised over the phone that we had nothing to worry about and everything would be fine. We were still to be able to skip one month payment and would receive our entire escrow from previous loan back without any additional fees. We decided to keep move forward with closing on the evening of XX/XX/2019 thinking everything would be fine.
On XX/XX/2019, we received a refund check in the mail from Caliber Home Loans in the amount of {$530.00} as being ESCROW/UNAPPLIED CASH DISBURSEMENT ACCOUNT, but we were supposed to receive a check for quite a bit more after closing on our new loan. It should have been around {$3400.00} or so. We sent of emails and attempted to make calls only to be ignored for a day or so. Finally received a response from the Senior Loan Consultant saying he/they would be more than willing to answer our questions. After sending yet another email, we received a response from the Senior Loan Consultant where he broke down where our funds went, which was quite a bit different from what we were provided previously or even given in our closing documents. As part of the new loan breakdown provided, we were charged {$1700.00} for Homeowners Insurance, {$560.00} of prepaid interest ( {$43.00} per day from 6/18/19-07/0/19 ) and {$2000.00} for the 1st half of taxes, but after looking at the current mortgage escrow, there is only {$1200.00} accrued. Somewhere there is about {$2900.00} - {$3000.00} unaccounted for, which we believe we should have received vice along with the {$530.00} check. Given the check received says this is Paid in Full we have not and will not deposit the check and asked Caliber to look into this. To date, nothing ... Not a call, email response and Caliber Home Loans customer service is worthless as they can't provide us any information. To add ... we were required to pay {$960.00} + ( personal check ) towards closing because of upfront escrow costs, but we do not see where that has been applied to the loan, taxes, insurance, etc??? Initially our loan was {$20.00} cheaper, but it went up the {$20.00} throughout the process, which we questioned and were told once againthis was due to upfront/escrow costs at closing on refinance. The numbers just dont add up.
It seems during the refinance process, Caliber Home Loans decided to charge us {$3000.00} of accrued interest during the process. This was never discussed with us and is nowhere in any of the documentation we received before or during closing. Had we known this ahead of time, we more than likely wouldnt have proceeded forward. We were advised by the Senior Loan Consultant that we would be able to skip the XX/XX/XXXX payment and no other fees ( none ) would be assessed while going through Calibers refi process. Additionally, we are being charged {$87.00} for a late fee!?!? We were told by the Senior Loan Consultant that if any late fees were to be accessed, he would ensure it got rectified. To date, nothing has happened or changed. Additionally, we had to pay {$30.00} to stop payment on our previous loan with Caliber Home Loans to ensure we didn't pay for the month of XXXX in order to skip one months payment.
At this point, we just do not feel comfortable with Caliber Home Loans or how things have been handled with our refi. We also feel like we have been lied to WRT the funds and it seems to continue. Once again the {$3000.00} of supposed accrued interest and the late fee of {$87.00} are just incorrect. Caliber Home Loans was never forthcoming with how the funds would be handled and from our perspective, lied throughout the entire process. Period! {$3000.00} might not seem like a lot to some, but it means a lot to us and Caliber Home Loans continues to ignore us.
Needless to say, we could not be more frustrated or disappointed with the entire process or with Caliber Home Loans.
|
| 06/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have an ARM with Caliber Home Loans. According to the terms and conditions of the loan, at the 5th anniversary of the loan, the ARM is slated to be adjusted. The date for adjustment is XX/XX/2020.
I reached out to the company on XX/XX/2020 to find out the new payment starting XX/XX/2020.
Here is what i received from them : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Dear XXXX, Thank you for your recent inquiry. Our records indicate that a response was provided on XX/XX/2020. Please accept our apologies if you havent received it. Please be advised that the next payment change will be on XX/XX/2020 and interest rate will be 4.1255 %. we have issued a copy of initial ARM notice to your email address on file which will received in separate cover.
Please note a letter will be mailed 60 days prior to the effective date advising of the new payment amount.
Check out our FAQ page to find answers to commonly asked questions and to watch our informational videos.
If you have further questions, please contact Calibers Customer Service Department at XXXX, Monday through Friday from XXXX XXXX to XXXX XXXX CST, excluding federal holidays.
Thank you for being a valued Customer, cid : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This information does not make sense because according to the terms of the loan, my rate can not be 4.125 %. I replied back to the company on XX/XX/XXXX at XXXX XXXX with the following email : ============================================================ Hello, I am rather concerned and disappointed with the cavalier attitude with which my questions have been answered. I am rather surprised with you answer regarding interest rate, see highlight below. According to the terms and conditions of my loan which I confirmed with Mr. XXXX XXXX, local Caliber Home Loans Officer, the interest rate is adjusted based on 12-month LIBOR ( index ) plus a 2.25 % margin. The current index is at 0.6 and therefore, the new rate would be ~2.825 %.
Thank you very much for looking into this and clearing up this confusion.
Best regards, XXXX XXXX ============================================================ I have not yet received an answer to my query above.
When I visited Caliber Home Loans website and looked up the details of my loan, it now states that the change date is XX/XX/2020!!! This is very confusing.
Here are the details on Caliber website : XXXX Interest Rate The interest rate you pay may change on XX/XX/2020 and on that date every 12 month thereafter. Each date on which my interest rate could change is called the Change Date.
At each Change Date your interest rate will be based on the 1-YEAR LIBOR as published Daily in the XXXX XXXX XXXX.
Rate Limits Your rate can not go higher than 8.125 or lower than 2.250 over the life of the loan. Your rate can change at each adjustment by no more than 2.000. Please note : if youve had a short term modification that lowered the interest rate below the ARM floor rate stated on the note, the interest rate after the modification expires will adjust to the ARM floor.
Calculation of Changes Before each Change Date Caliber will calculate your new interest rate by taking the published index rate and adding a certain number of percentage points, called the margin. Under your loan agreement, your current index is 0.816 and your margin is 2.250, We will then round this calculation to the nearest 0.125.
Your new payment will be based on the 1-YEAR LIBOR index, your margin 2.250, your balance of amortized to the next payment change date, and the remaining loan term of your loan.
************************************************************************* According to Caliber, I should receive a payment notice 60 days prior to the loan change date. Now, I am not sure if the change date is XX/XX/XXXX or XX/XX/XXXX? It seems all rather arbitrary. When I called them ( which I did multiple times ), the customer service rep always reassures that a loan officer will be calling me back. However, it has not happened yet.
I am very concerned that my mortgage adjustment is at the mercy of Caliber with no attention to the details of the loan.
PLEASE HELP.
|
| 09/21/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
In XX/XX/XXXX, I received a letter from Caliber Home Loans informing me that my escrow account was severely deficient and that my month mortgage payment was increasing from $ XXXX/month to $ XXXX/month. The reason given was that the new payment would account for the deficiency.
I immediately contacted Caliber Home Loans and spoke to their support. Initially, I was informed that my property taxes probably went up and that this was common. I demanded for this to be escalated and was able to get a tax agent on the phone. They informed me that they didn't see an issue, so I logged into my account online and noticed 4 tax disbursements from my escrow account in a matter of 8 days. I asked what those were and after some hesitation by the agent, was informed that there was an investigation going on with my account. I asked for more details and after not receiving any, requested the issue be escalated immediately. I was told that it was being escalated internally and someone would contact me.
XX/XX/XXXX - I was contacted by a XXXX in the tax department for Caliber. She informed me that somehow there was a glitch in their system and some parcel numbers for other townships were submitted and taxes were paid for other properties. XXXX informed me that she would be contacting the townships involved to request a refund. She informed me that these payments were all against my escrow account at this time. I requested a follow-up from XXXX on XX/XX/XXXX and XX/XX/XXXX, even if there were no updates, to which she agreed. She also informed me that one of the payments appeared to have already been refunded back to the account in the amount of {$3300.00} Tax payments were disbursed as follows : - {$3500.00} ( XX/XX/XXXX ) - XXXX XXXX ( not my township or my property ) - {$3300.00} ( XX/XX/XXXX ) - XXXX XXXX ( possibly my property, although amount is higher than usual ) - {$3300.00} ( XX/XX/XXXX ) - XXXX XXXX ( a neighboring property, from what I was told. Not my property ) - {$3400.00} ( XX/XX/XXXX ) - XXXX XXXX ( not my township or my property ) XX/XX/XXXX - XXXX called to inform me that she had no updates XX/XX/XXXX - XXXX called to inform me that she had no updates XX/XX/XXXX - XXXX called to inform me that she had no updates, but that she was waiting for a call back tomorrow from XXXX and XXXX townships. I asked what happens if they don't call tomorrow. Her response was that she's contact them again and then wait.
I then asked XXXX five questions : 1. What happens when my own property taxes need to be paid again, because they are due in XXXX. She informed me that at the present time, there are no funds in the escrow account and it is actually negative.
2. I asked XXXX why Caliber isn't refunding my escrow account since this was a clerical ( " glitch '' ) on their end. She responded saying that Caliber doesn't do that and that I'll have to wait until the funds are refunded from the townships involved.
3. I asked XXXX what happens if this situation isn't resolved next month because I keep receiving letters from Caliber saying they are changing my monthly payment to increase to $ XXXX/month due to this issue. XXXX informed me that there wasn't anything she could do about that and that would be my new monthly payment until the issue is resolved. She told me she understood how frustrating this is and she has instructed her internal parties that this will cause a hardship on me, but repeated that there wasn't anything she could do about it.
4. I asked XXXX what would happen if I changed my mortgage company and go somewhere else. She informed me that my escrow account is currently negative, so it would remain that way and there isnt ' anything she can do about that.
5. I asked XXXX how to escalate this further as I can not afford that monthly payment and it's going to affect my credit. She said that she is handling it. I told her that it may be time to get a lawyer involved. Her response was, " if you choose to do that, you will no longer be working with me and you will be contacted by someone else that will take over your case ''. She asked if that's how I want to proceed, to which I said yes and she said okay, then this conversation is over.
As of XX/XX/XXXX, I have not been contacted by anyone at Caliber Loans.
|
| 02/01/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
This concerns repeated claims by Caliber Mortgage Company that I have not made payments, even though I have had repeated lengthy phone conversations with Caliber, and have repeatedly paid amounts that they requested, and followed their instructions. Here is a history of my conversations with Caliber representatives, the claims and promises made during those, and what happened as a consequence of those conversations : XX/XX/XXXX. Conversation with XXXX - Teller ID XXXX XX/XX/XXXX XXXX said that I had not paid escrow - we determined that this was because taxes paid at closing that should have gone to Caliber at closing was sent to the County.
XXXX quoted an amount for escrow of XXXX - XXXX, insurance increase, and cushion.
He sent me a form to use to make sure that a paymwnt went to escrow.
Using this form, a check for XXXX was sent to Caliber.
XX/XX/XXXX Talked with XXXX Teller ID # XXXX This was in response to a claim by Caiber via letter saying we owed {$430.00} additional to the {$2200.00} paid for mortgage.
It turns out that {$4800.00} payment by me was not applied to escrow by Caliber. XXXX has now done that.
XXXX says if we pay {$2300.00} on XXXX XXXX we will be square.
XXXX will call me to tell me why the payment went up from XXXX to XXXX ( approx. {$28.00} ).
XXXX never called back.
XX/XX/XXXX. Talked with XXXX - Teller ID # XXXX XXXX was responding to letter saying we are delinquent - that {$2700.00} is due. XXXX says that there is now a {$95.00} late fee total due {$2800.00}.
After reviewing the conversations above, XXXX agreed that the notes under XXXX above were in the Caliber notes for this mortgage. XXXX agrees that XXXX has said she got escrow in right place and that payment was to be {$2300.00} XXXX Tried to see if XXXX was available. She was not. XXXX was going to hand me to a manager. None was available. He agreed to have someone call me back. He created a task for that to happen.
But then XXXX decided via some internal correspondence he was having/advice he was getting - that if Caliber did a escrow analysis that everything would re-calibrate and the problem would go away.
XXXX told me that XXXX Teller # XXXX agreed to get this straightened out. XXXX said that he had created a task, and She will have this straightened out in 5 days.
XX/XX/XXXX. Talked with XXXX Teller ID XXXX. XXXX, says that Payment adjusted on XX/XX/XXXX new payment : {$2300.00}. XXXX says that XXXX and XXXX delinquent. ( Payment checks were made to Caliber and cleared on XX/XX/XXXX and XX/XX/XXXX ) XXXX said {$1700.00} was applied to principal and that the payment on XX/XX/XXXX ( XXXX payment ) not allowed because payment was a few dollars less than what Caliber says it should have been. But the payment was cashed by Caliber. I requested a manager - After around 10 minutes, XXXX passed me to XXXX. ID XXXX. XXXX is a escalation specialist.
XXXX tells me that Taxes in XXXX were XXXX. Then taxes went up to {$4100.00}. Notice on this was sent to the property address, not my mailing address - even though XXXX says the file is clear on my mailing address. XXXX spent 15 minutes reviewing this with no conclusion as to what was/had happened, then agreed to call me back ( call ended around XXXX XXXX MST ).
There was No call back by XXXX XXXX MST. I sent email via the website around XXXX XXXX requesting that XXXX call me back.
Caliber continues to call me claiming that I am delinquent, but, after review, says that payments were not applied or that there is some other reason that they claim my payment was not accepted - and that they will straighten everything out. Still I continue to receive calls or letters saying I am behind. I have made all payments as instructed by Caliber representatives, and a mortgage payment that is the correct amount according to information from Caliber representatives. Payments have been made at the first of each calendar month since the onset of the loan. Twice Caliber representatives have said they would call me back, and have not. Caliber reps repeatedly tell me that they will tell me why mortgage payments are raised, but with the exception of XXXX on the call on XX/XX/XXXX, they have never been able to do so.
|
| 01/23/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
When I closed on my home XX/XX/XXXX all documentation was provided that I was tax exempt. The only requirement was to file the documentation after closing to reenforce that fact. The final approval was made XX/XX/XXXX and mailed the first week of XXXX in which my mortgage payment was due XXXX XX/XX/XXXX. Upon logging in I saw that the mortgage payment was not credited to my mortgage balance but to the taxes that the mortgage company paid in which I am exempt from. I provided the letter via secured messaging XX/XX/XXXX with the following message : I received my tax exemption letter. Although taxes were not included in my mortgage payment with awareness that I am entitled to tax exemption, I saw the payment/credit for XXXX taxes on the account. I'm not sure how that was accounted for. I have attached the XXXX XXXX XXXX exemption to ensure and reenforce that the entitlement of tax exemption for this home and account has been approved.
An automated message was returned the following day : Dear XXXX, Thank you for your recent email. The information you provided has been forwarded to our Tax Department for further review and the appropriate updates will be made to your account if necessary. If you have any further questions, please contact XXXX? XXXX Tax Department at XXXX, Monday through Friday from XXXX a.m. to XXXX p.m. XXXX, excluding federal holidays. Thank you for being a valued Customer, Customer Service XXXX XXXX XXXX XXXX XXXX, OK XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Notice to Consumers presently in Bankruptcy or who have a Bankruptcy Discharge : If you are a debtor presently subject to a proceeding in Bankruptcy Court, or if you have previously been discharged from this debt by a Federal Bankruptcy court, this communication is not an attempt to collect a debt but is sent for informational purposes only or to satisfy certain Federal or State legal obligations..
I called the XXXX number several times with either no response or very incompetent representatives that placed me on hold and dropped the call. Customer service representative XXXX ( XX/XX/XXXX ). I called again on ( XX/XX/XXXX ) the representative stated that I should mail the document when the document has been provided via secure messaging. She stated that it will move the process along faster. How does mailing a document expedite a process versus sending a document electronically? Make this make sense! Additionally, she stated that by XX/XX/XXXX the issue would be resolved. The process to credit my mortgage payment and balance out the taxes should not take this long when I have reached out to the company twice.
What do I expect? I want my mortgage payment appropriately applied to interest and principal, the interest correctly adjusted as it should be since I DID make the payment on time for XXXX. Caliber resolves the issue of taxes with XXXX XXXX as I am tax exempt 100 %. I should not see any issues on my XXXX statement.
Following the call ( XX/XX/XXXX ) a response was sent : Dear XXXX : Thank you for your recent inquiry. Our records reflect your concerns were addressed by a Customer Service representative on XX/XX/XXXX. Check out our FAQ page at https : //www.caliberhomeloans.com/faqs to find answers to commonly asked questions or to watch our informational videos. If you have further questions, please contact Caliber? XXXX Customer Service Department at XXXX to speak with a Customer Service Representative. Hours of operation and other contact information is available at https : //www.caliberhomeloans.com/connect/contact-us/. Thank you for being a valued Customer, Customer Service XXXX XXXX XXXX XXXX XXXX, OK XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Notice to Consumers presently in Bankruptcy or who have a Bankruptcy Discharge : If you are a debtor presently subject to a proceeding in Bankruptcy Court, or if you have previously been discharged from this debt by a Federal Bankruptcy court, this communication is not an attempt to collect a debt but is sent for informational purposes only or to satisfy certain Federal or State legal obligations.
|
| 01/30/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
When I closed on my home XX/XX/XXXX all documentation was provided that I was tax exempt. The only requirement was to file the documentation after closing to reenforce that fact. The final approval was made XX/XX/XXXX and mailed the first week of XXXX in which my mortgage payment was due XXXX XX/XX/XXXX. Upon logging in I saw that the mortgage payment was not credited to my mortgage balance but to the taxes that the mortgage company paid in which I am exempt from. I provided the letter via secured messaging XX/XX/XXXX with the following message : I received my tax exemption letter. Although taxes were not included in my mortgage payment with awareness that I am entitled to tax exemption, I saw the payment/credit for XXXX taxes on the account. I'm not sure how that was accounted for. I have attached the XXXX XXXX Tax exemption to ensure and reenforce that the entitlement of tax exemption for this home and account has been approved. An automated message was returned the following day : Dear XXXX, Thank you for your recent email. The information you provided has been forwarded to our Tax Department for further review and the appropriate updates will be made to your account if necessary. If you have any further questions, please contact Caliber? s Tax Department at XXXX, Monday through Friday from XXXX XXXX to XXXX XXXX CST, excluding federal holidays. Thank you for being a valued Customer, Customer Service XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Notice to Consumers presently in Bankruptcy or who have a Bankruptcy Discharge : If you are a debtor presently subject to a proceeding in Bankruptcy Court, or if you have previously been discharged from this debt by a Federal Bankruptcy court, this communication is not an attempt to collect a debt but is sent for informational purposes only or to satisfy certain Federal or State legal obligations.. I called the XXXX number several times with either no response or very incompetent representatives that placed me on hold and dropped the call. Customer service representative XXXX ( XX/XX/XXXX ). I called again on ( XX/XX/XXXX ) the representative stated that I should mail the document when the document has been provided via secure messaging. She stated that it will move the process along faster. How does mailing a document expedite a process versus sending a document electronically? Make this make sense! Additionally, she stated that by XX/XX/XXXX the issue would be resolved. The process to credit my mortgage payment and balance out the taxes should not take this long when I have reached out to the company twice. What do I expect? I want my mortgage payment appropriately applied to interest and principal, the interest correctly adjusted as it should be since I DID make the payment on time for XXXX. Caliber resolves the issue of taxes with XXXX XXXX as I am tax exempt 100 %. I should not see any issues on my XXXX statement. Following the call ( XX/XX/XXXX ) a response was sent : Dear XXXX : Thank you for your recent inquiry. Our records reflect your concerns were addressed by a Customer Service representative on XX/XX/XXXX. Check out our FAQ page at https : //www.caliberhomeloans.com/faqs to find answers to commonly asked questions or to watch our informational videos. If you have further questions, please contact Caliber? s Customer Service Department at XXXX to speak with a Customer Service Representative. Hours of operation and other contact information is available at https : //www.caliberhomeloans.com/connect/contact-us/. Thank you for being a valued Customer, Customer Service XXXXXXXX XXXX XXXX XXXX XXXX, OK XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Notice to Consumers presently in Bankruptcy or who have a Bankruptcy Discharge : If you are a debtor presently subject to a proceeding in Bankruptcy Court, or if you have previously been discharged from this debt by a Federal Bankruptcy court, this communication is not an attempt to collect a debt but is sent for informational purposes only or to satisfy certain Federal or State legal obligations.
|
| 10/14/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
XXXX payment was posted by mortgage company per payment amount and additional {$100.00} for principal only.
{$1500.00} normal monthly payment XXXX principal only {$1600.00} total payment Per that date the balance forward was {$250000.00} after the original payment was posted. And that was the correct application of the payment and principal based on the escrow application, the principal, and interest of {$1500.00} plus the additional principal of $ XXXXThat totaled the {$1600.00} I had authorized for them to withdraw from my checking account on XXXX.
But because we have a dispute about Regulation Z and the grace period they backed the principal only payment out and brought the total to {$250000.00} in another transaction immediately following the correct application. AT this point in the totals for the account the principal I had asked to apply just disappeared in the totals.
To further compound the problem they then reversed the principal and interest regular payment bringing the total back to {$250000.00} that had been the original beginning balance prior to the payment 's application on XXXX.
The new transaction posted on XXXX they arrived at was {$1600.00} total payment per their new questionable total {$490.00} Applied principal {$780.00} Interest {$280.00} Escrow account {$64.00} Late fees they simply took.
The new total was now {$250.00}, XXXX and that does not add right either at this point.
A second transaction on XXXX described as a " curtailment with payment '' was posted for {$35.00} then brought the total on the account outstanding to {$250000.00}.
At that point I went ballistic. I am a retired CPA and I know Reg Z and understand it perfectly. The vendor is always trying to tie the payment to the date they finally post the payment. That is incorrect and Reg Z discusses it quite clearly. The date I submit the payment is like them receiving the payment in a lock box and is the date late fees can be determined. I submitted the payment days before the grace period was met. So late fees with me were not valid and I fight them every time they try this. However, they took the late fees because they posted later than the grace period and we went to war.
So on XXXX they did several reversals manually. I won the argument and they had to fix it. But in doing their adjustments they were overriding the systems and their calculations did not fix the problem. They brought the total outstanding balance back to {$250000.00} and never properly posted the principal payment I instructed them to make on XXXX during my online instructions. You can see the attempt to post the principal again but when you look at the total outstanding the manual override negated the actual post on the history. The totals are off.
I have called them, written them many internal memos, done my best to communicate their error. My account is screwed up because of their incompetence. They never brought the balance back to the {$250000.00} in their corrections which was the proper application of the payment they posted originally on XXXX before they tried to take my principal payment and use it to pay their bogus late fee.
I kept a record of their account history and my attempts to email them about this issue. I will not say I have been kind. I am furious that this has been so poorly done. They do not understand what is clearly evident if you know what should have been done. For me this is accounting 101 and these people are incompetent at best. I can NOT talk to their accounting staff directly. Everything goes through customer service and I want my principal refunded to me or applied correctly. And I am tired of asking. Any good auditor would spot this problem immediately, and I am a good auditor.
We have been arguing about this for over six months now and I am fed up. Who do I have to go to handle this complaint. It is not rocket science but this company refuses to comply.
And they have taken {$100.00} I paid in good faith and it has disappeared into their systems fraudulently. What do I need to do besides file this complaint?
|
| 09/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Summary : CHL disclosed fair rates and no discount fees, asked for up-front money, and then added in enormous fees and rate increases just before closing. We were left with the choice of cancelling the contract, coming up with cash on our own, or paying their jacked up price. CHL 's management decided that the original/disclosed rates & fees weren't " enough profit '' and would no longer approve the loan. In short, it was a bait & switch.
Details : I used CHL on the recommendation of our realtor. Early in the process, I was told by the loan officer ( LO ) that there was a cap on interest rate at 5 % due to the low loan value ( {$65000.00} ), and as long as I paid the {$1300.00} ( very high ) processing/underwriting fees, then CHL would cover any cost to get the rate to 5 %. She said I didn't need to worry about " locking '' since my rate was capped and fees were fixed at {$1300.00}. This was reflected in a Loan Estimate that I was asked to sign on XX/XX/XXXX XXXX attached ). They asked that I pay {$500.00} to CHL for the appraisal up front, which I agreed to because the rates, pricing, and fees were quoted at maximum according to the LO. This is the amount I am disputing, since it is useless to me now and was paid before pricing changed.
On XX/XX/XXXX, my LO called to say that management was unwilling to approve the loan because they " weren't making enough money on it. '' She said that I'd need to pay around $ XXXX {$3500.00} in fees and she wanted to know if I could split those with CHL. We politely requested that CHL honor the disclosures we'd signed on XX/XX/XXXX and move forward with the loan at 4.95 % with 0 points and {$1300.00} in fees. They refused, and I asked to speak with the LO 's supervisor, XXXX XXXX. He just kept repeating that I was getting the best pricing that CHL could offer. I'm not sure he ever understood my frustration on the bait & switch. He did agree that if this fee hadn't been disclosed and CHL said in writing that all fees were disclosed high, then he would honor that. I found in email where my LO had said : " If we do not disclose ALL possible fee 's in the beginning, we have to eat the fee 's that may come up later. '' " All of our fee 's and other lenders on the initial disclosures are high. '' " So we over price all initial fee 's to ensure we do not eat the cost of fee 's. '' " None of these fee 's are set in stone and are all over quoted. '' I can provide these emails if requested. But still, he refused to honor these statements and CHL 's loan estimates/disclosures because CHL wasn't making enough money on the loan.
On Friday XX/XX/XXXX was the first time I received an updated loan estimate in writing, which showed {$2300.00} in " discount fee '' in addition the {$1300.00} for the same rate, which amounted to 3.5 points on the loan. Market pricing had changed less than .1 points over this time frame, a fact which I have confirmed independently with multiple other lenders.
I spoke with XXXX XXXX on Friday XX/XX/XXXX ( regional VP at CHL ). I explained that I had been disclosed 4.95 % with 0 points and told verbally the rate was capped at 5 % and told in writing that fees were capped at the disclosed amounts, and I expected CHL to honor their own loan estimates and the statements from their own LO. She also refused to honor these, but did offer a {$250.00} credit if I closed with CHL. Unfortunately, the {$250.00} credit towards the {$2300.00} price increase didn't help at all.
I have purchased 2 homes before this one and been through one additional refinance, so I've been through the loan process several times, but I've never dealt with anything like this.
Final note : The loan estimates included a " rate lock '' page, but my LO said not to worry about this since my rate was capped at 5 %. Also, the disclaimer says " I am assuming the risk of any market rate changes between now and when I do elect to lock ''. And as mentioned, the market changes were effectively zero during this time frame ( 2 days ). The pricing changes were purely due to management 's profit scheme.
|
| 12/28/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
A few months after we closed on our new house I received a tax bill. When I called Caliber I was told that they pay our taxes automatically and that I didn't need to send them our bill. I mailed them the bill anyway and assumed that it was taken care of. At the end of XX/XX/XXXX, I received a notice from the tax collector that our taxes were passed due and that we would need to pay a 10 % penalty. The notice also said that if the taxes were not paid by XX/XX/XXXX, liens would be filed against our house. I contacted Caliber on XX/XX/XXXX to notify them of the issue and to ask them to resolve it. I called more than 10 times since to check on the status of my tax payment. From XX/XX/XXXX to XX/XX/XXXX, I was told that the tax department was trying to contact the local tax collector and that they were unable to reach her. I talked with the tax collector many times during that time period, so I'm not sure why they had so much trouble. After a month of calling I was told by Caliber that my taxes were paid at closing and that I needed to talk with the title company to resolve the issue. I contacted the title company and after reviewing the closing statement, we determined that not only were the taxes not paid at closing, but Caliber had failed to escrow the amount necessary to cover the taxes. I called Caliber again and was told that they were still trying to contact the tax collector. I asked what information they needed and they told me that they needed to confirm the amount due. I told Caliber the amount due numerous times but this time I offered to upload the tax bill. I uploaded the tax bill on XX/XX/XXXX and called back on XX/XX/XXXX to confirm that Caliber received the bill. The person that answered confirmed that they had the bill but they still needed to contact the tax collector. I asked to speak with a manager because if they haven't been able to contact the tax collector for more than a month, they probably wouldn't be able to contact her in the next week. The manager, XXXX, apologized for the mix up and said he would personally follow up to ensure that my taxes were paid. I called back on XX/XX/XXXX to confirm that the check had been sent out but the person I talked to said that they still needed to contact the tax collector and the next follow up was scheduled for the following week. I was so frustrated by this point that I hung up on the guy. After XXXX on the XX/XX/XXXX, I called again. This time I was told that Caliber needed to contact a third party tax collection company to handle the issue because the taxes were delinquent. I talked with the local tax collector numerous times and she never mentioned this third party company. I again asked to speak with a manager and this time I spoke with XXXX. XXXX told me that he would do everything he could to resolve the issue and that he would call me back to follow up. XXXX did call to follow up and left a message saying that they still needed to contact the third party company to determine how much was owed. I called Caliber back on XX/XX/XXXX and I was told that they were unable to contact the tax company and that they were scheduled to follow up on XX/XX/XXXX. I told them that wasnt good enough and that liens would be filed if they didnt send the check. I called the third party company and the message said that their office was closed until after XXXX XXXX. I called Caliber back and asked to speak with XXXX. XXXX is a manager in a call center and there was a limit to what he could do. I was not able to speak directly with a representative from the tax department. I ended up paying the taxes out of pocket. I had to pay the 10 % penalty instead of the 2 % discount I should have received if Caliber had done their job. If the money had been withheld properly at closing, which is Calibers responsibility, this wouldnt have been so bad. But having to pay this much money at this time of year really hurts. Im going to continue to call Caliber to get the difference between the discount and penalty amounts but Im not confident that they will make it right.
|
| 09/15/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I want to express my frustration with working with Caliber Home Loans on trying to save my house in which it started on XXXX XXXX 2017.
They claim that its my fault that that my file has been dragging for years and that the debt has accumulated, in which they know every single document and explanation they have requested I had faxed over timely to them.
This company kept requesting the same information over and over for years. Most of the time it was the same information that was just recently sent, and they claim that not only that they did not receive, in which I had confirmation of this. Sometimes they requested information that had nothing to do with my personal loan and debt with them.
After years of being reviewed, they finally provided a decision of the loan modification. An approval that is only convenient to the investor of this mortgage. They approved me for an internal loan modification { which they called it } in which they required me to put a down payment of {$64000.00}, my question is, where did they come up with this amount, they know my bank does not have more that {$3000.00} on a monthly basis, I had enough to make a monthly payment to them, but not the down payment.
In this agreement, they were also requesting all the money they had paid for taxes and insurance to be paid back as an added escrow for 5 years. They said this amount is due to no payment received for so long, when they know I kept working with them and they just kept adding more debt and more weight to this situation, when it could had resolved this issue years ago, and still they put me at blame for all this.
When I asked if I can work with them regarding the down payment they just told me that this was the investor decision to do regarding my mortgage, there is nothing better for me, and if I did not make this payment, I would loose my house because they will keep processing the foreclosure, not only did I felt threatening, but they keep calling me everyday from XXXX XXXX trying to force me to make this payment if I wanted to save my house.
I requested an extension because I did not have the money available, and begged them but they said that if the payment was not received by that certain date, they would close the file, and even if they received the payment, they could not guaranteed a loan modification because the investor makes the final decision. I tried to get an extension and told them that money was not in the account, and all they said was to make sure to send the money asap though what ever means necessary.
When I tried to send in the down payment, I was asking a representative on how to make the payment because I did not have any agreement or proof where to send the payment, they advise me that they had send the agreement to me already. I asked for the address where they have send it, and they gave me the name of an attorney that I had never worked on my file, not only did they misplaced where they send the information, but they sent sensitive information to someone that to this day can steal information from me due to having sensitive information. I never worked with this attorney and do n't even know who it is, I do n't know how they obtain this information to be sent to them, because every piece of information, letters requesting documents, mortgage statements, foreclosure notices, everything was sent to my house, except this information of approval that was sent to this place I do n't know about. I personally felt that Caliber Home Loans did this on purpose to make sure I failed with this agreement, this way they can wash there hands by selling the house at an auction. They eventually sent out the agreement to me, but said to send the payment and it would not be a guaranteed that they would have accepted the offer due to being time sensitive, in which they are at fault, not me, but they keep blaming me. Now I have lost my loan modification.
All I want is help, and to save my house where my kids have grown up, the house that I have worked so hard to maintain as a living space, my investment.
|
| 12/03/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
On XX/XX/XXXX i filed a complaint to the XXXX about Caliber Home Loans reporting missing information on my account. I received the following Caliber Home Loans on XX/XX/XXXX.
To Whom It May Concern : Caliber Home Loans, Inc., hereafter known as Caliber, servicer of the above-referenced loan, provides this response to the inquiry received on XX/XX/XXXX, wherein Mr. XXXX states that his credit report reflects incomplete information regarding the recent payment and loan balance. Further, he states that the loan is paid in full. Subsequently, he requests that Caliber delete all information related to the loan with the Credit Reporting Agencies ( " CRAs '' ).
Loan Background and Status The loan originated on XX/XX/XXXX with a principal balance of {$72000.00} with XXXX XXXX XXXX, XXXX, who was also the previous servicer.
Caliber became the servicer of the loan on XX/XX/XXXX.
The loan was paid in full on XX/XX/XXXX.
o At the time of the payoff, the loan was contractually due for the XX/XX/XXXX and subsequent monthly installments.
Requested Clarification Caliber last reported to the CRAs as Paid in full/180 days past due on XX/XX/XXXX. Please be advised that the reporting is accurate since the loan was contractually due for the XX/XX/XXXX monthly installment when the loan was paid in full on XX/XX/XXXX. As the loan was paid in full, no recent payment information is reflected on the report, and it is important to note that the report accurately reflects the date of last payment was XX/XX/XXXX because that is the last date that Caliber received a contractual monthly payment prior to the payoff. Further, the report reflects a balance of {$0.00} because the loan was paid in full.
Please be advised that Caliber is required to report accurate information in accordance with the Fair Credit Reporting Act ( " FCRA '' ) and reports to the CRAs based on receipt of payment. Our records reflect that our reporting is accurate ; therefore, we respectfully decline Mr. XXXX XXXX request to alter or delete our reporting. Please note that the CRAs may delete information related to a closed or paid in full account seven to ten years after the date of first delinquency ; however, each CRA has its own practices, which may differ. As such, we are unable to provide further information to Mr. XXXX regarding when the account may cease appearing on his credit report, and we would encourage him to contact the CRAs directly for additional information regarding this matter.
Please be assured that Caliber has not reported additional information to the CRAs since XX/XX/XXXX. Should Mr. XXXX have additional questions or concerns, we encourage him to contact our Customer Service Department at XXXX.
Sincerely, XXXX XXXX XXXX XXXX Senior Vice President Customer Advocacy and Response Team Now Caliber Home Loans clearly states in there response " it is important to note that the report accurately reflects the date of last payment was XX/XX/XXXX because that is the last date that Caliber received a contractual monthly payment prior to the payoff. '' Now looking at my XXXX credit report where the payment history is, its showing 120+ days past due in the month of XX/XX/XXXX in bold red. If Caliber Home Loans says i made my last contractual monthly payment XX/XX/XXXX why is my XXXX report showing 120+ days past due in the month of XX/XX/XXXX I find this really confusing to me. Caliber Home loan is saying one thing but my XXXX credit report is showing something totally different. To me this looks inaccurate. Under the FCRA, creditors who furnish information about consumers to consumer reporting agencies must Provide complete and accurate information to the credit reporting agencies ; Investigate consumer disputes received from credit reporting agencies ; Correct, delete, or verify information within 30 days of receipt of a dispute ; and, Inform consumers about negative information which is in the process of or has already been placed on a consumer 's credit report within one month.
|
| 02/28/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I started the home loan process with Caliber Home Loans on XX/XX/2020. I supplied all of the requested documentation for the loan process ; verification of income, tax returns, bank statements to name a few as requested by the loan consultant. The loan consultant submitted the documents to the Caliber Home Loans underwriting department to ascertain loan approval prior to the necessary steps for loan review. The loan consultant moved forward in checking my credit history, rental history, income verification in addition to being given all the information to meet the stipulations that the underwriting department needed. The Caliber Home Loans underwriting department gave approval to move forward with the remaining steps required for loan processing and closure. All employment gaps were verified as I am self-employed and consistently employed seasonally which paid hourly and with bonuses as a licensed XXXX insurance agent. With the approval given, I was scheduled to close on XX/XX/2020. I took on permanent employment with a higher salary during this final process and notified my loan consultant about it which he received approval from underwriting that this was not an issue. However, three days before closing, the loan consultant contacted me regarding the final underwriter had stopped the closing and was requesting additional documents for employment gaps and income verification, and verification of me being self-employed in which I had already provided. I have worked for the past three years with XXXX as a licensed XXXX insurance agent. When the loan papers were sent for a QC audit, I was informed that due to the new employment being a family business, I would need payroll checks for 30 days. Now, I am being told I would have to have 6 months of payroll checks to meet approval. With each request, I provided documentation but each time she/he came back wanting me to provide more to prove I am loan worthy. All documents requested were provided with tax returns, check stubs, verification of my ongoing businesses. The underwriter requested the schedule C of the tax returns, wanting an explanation for business losses. Once again, the underwriter came back requesting verification of my insurance licenses for the years of XX/XX/XXXX, XX/XX/XXXX, transcripts of my continuing education to prove I am a licensed agent. Every piece of documentation for loan approval was provided to the underwriter as requested and with each supporting proof of viable income, businesses, she/he continued to request more information. It seems as though the underwriter is looking at the point of desperation for a reason to deny me the loan by constantly asking for more and more proof. It seems as if this underwriter is challenging my tax returns seemingly alleging that I would produce fraudulent information. I have provided documentation for my businesses but it still is not enough. I have been paying rental in the same amount of the proposed mortgage payment without being late consistently for the last 10 years. I believe that I am being discriminated against in an overt effort to block me from obtaining home ownership. To be given a loan approval with a set date for closure only to have it shut down is highly suspect and now after providing everything needed to prove I have legitimate businesses and employment, the underwriter for Caliber Home Loans is attempting to deny me the loan by constantly asking for more information and challenging what I provide. I question if this is some type of minority homebuyer discrimination tactic being conducted with Caliber Home Loans and associates. I stand to lose in excess of than {$3000.00} that I can not recoup. I have been led on in believing everything was a go and I have given my rental company notice of my intent to move. At this time, I will be basically homeless if I am not granted the loan struggling to find somewhere to live. If I had any idea of how this was going to transpire, I would have been prepared to have somewhere to live.
|
| 03/07/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
During our first loss mitigation, we were approved to make three trial payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/2018 ) We successfully made all three trial payments. We were sent a letter in between the second and third payments saying a title issue was discovered and we needed to submit a subordination form. We did, however we were still denied and started a second loss mitigation application.
We have completed two trial payments and will make our third on XX/XX/XXXX. Again, were sent the same letter saying a title issue was discovered. This is not true, Caliber knew about the title issue from the first loss mitigation.
U.S. Department of Urban Housing and Development Handbook 4000.1 Section III.A.2.
5 ) End of Trial Payment Plan Period ( a ) Standard The Mortgagee must offer the Borrower a permanent FHA-HAMP Option after the Borrowers successful completion of a TPP.
The Mortgagee must : prepare the permanent FHA-HAMP Modification Agreement early enough to allow sufficient processing time for the modification to be effective no later than the first day of the second month following the final Trial Payment Plan month ; provide the Borrower with the permanent FHA-HAMP documents to be executed by required parties at least 30 Days before the effective date of the modification with notification of the date by which signed documents must be returned ; sign the FHA-HAMP Modification Agreement and provide a fully ratified copy to the Borrower no later than 15 Days following receipt of the Borrower-signed documents ; and update its servicing system and files to reflect the FHA-HAMP transaction.
On XX/XX/XXXX, we will be making our third and final trial payment for this second loss mitigation application. This will be the second time we have successfully completed the TPP. Why are we not receiving a modification agreement? Why did you approve the trial payments, and then send us the same subordination letter from the first loss mitigation application?
We have submitted the subordination paperwork several times. What is the title discrepancy? Why will no POC specialist tell me what the discrepancy is?
If the discrepancy is that we have a second lien, why are you approving loss mitigation applications, accepting trial plan payments, all the while knowing that our modification can never be approved due to having this second lien?
If it is acceptable to have a second lien on an FHA title, then what is the title discrepancy you're speaking of?
Section III.A.2.
( I ) Lien Status The Mortgagee must, if required by state or federal law, record the Loan Modification documents to preserve the first-lien status of the modified FHA-insured Mortgage.
( 1 ) Subordination Request If title to the Property is encumbered with an FHA Title I Mortgage and the Mortgagee servicing the Title II Mortgage has determined that a Subordination Agreement is necessary to ensure HUDs first-lien status, the Mortgagee may forward a subordination request to : U.S. Department of Housing and Urban Development Home Improvement Branch XXXX XXXX XXXX, XXXX, XXXX XXXX Washington, DC XXXX ( 2 ) Subordination Notification If title to the Property is encumbered with an FHA Title I Mortgage which has been assigned to the Secretary and the Mortgagee servicing the Title II Mortgage has determined that a Subordination Agreement is not needed to ensure HUDs first-lien status, the Mortgagee servicing the Title II Mortgage may send a written notification to : U.S. Department of Housing and Urban Development XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Our lien with Impact Development Fund is the second lien. The FHA is the first lien. Why are we being denied a modification? We have provided you with the subordination form several times. How many times have you submitted a subordination request to the U.S. Department of Housing and Urban Development?
Why are we being denied a modification when we have followed every request and rule set forth by the FHA and Caliber?
|
| 07/22/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
On XX/XX/XXXX I submitted Documents for a Loan Modification, since there representatives said that is what was needed since no other loan I would qualify for. On XX/XX/XXXX received 2 letters stating Documents they needed regarding my Benefits Award letter from social security, along with 2 months bank statements ( already submitted on the XXXX XXXX ), any lease agreements I might have, and a Year to Date Earnings Benefit from Social Security. XX/XX/XXXX I submitted XX/XX/XXXXtax return along with form XXXX. XX/XX/XXXX They sent 2 letters requesting Any Lease Agreements I had on any other properties of which I did n't own any, they wanted bank statements AGAIN, they wanted form XXXX instead of the XXXX, they wanted Form XXXX, Income Documentation from Social Security and a Hardship Letter XX/XX/XXXX I submitted bank statements AGAIN, Social Security Documentation, and letter that they had told me to submit on a phone conversation I had with them regarding NO RENTAL Income along with Hardship explanation. XX/XX/XXXX They repeated wanting an updated Form XXXX, another Hardship letter, a second letter that same day requesting Form XXXX, Form XXXX, Income Documentation again from Social Security, and Hardship Document again. XX/XX/XXXX I re-submit Letter of Explanation for NO MORE Rental Income along with Hardship letter. XX/XX/XXXX They send thank you letter for submitting documentation and prompt response. XX/XX/XXXX Now they wanted why I had a XXXX XXXX XXXX, and Bank Statements for 60 days wanting to show social security deposit of {$2200.00}. I contacted them again by phone explaining that my XXXX was $ XXXX monthly deduction and a US Treasury deduction of {$320.00}. I also explained that I did n't have a XXXX XXXX mortgage anymore and that went away in XX/XX/XXXX. They said showing up on a credit report so I needed to submit a letter of explanation regarding that. XX/XX/XXXX I sent to them another new XXXX XXXX XXXX bank statement for XXXX which had my social security deposit on it, so now they had XXXX, XXXX, XXXX and the new XXXX statement. I also sent them a letter explaining an old XXXX XXXX mortgage that did n't exist anymore along with my social security deposits which equaled {$1800.00} ( {$2200.00} minus {$130.00} XXXX, and minus {$320.00} Treasury amount. XX/XX/XXXX a letter from Caliber thanking me for prompt response and there receipt of documents. So after a couple of weeks and no updates I contacted them and now because of that XXXX XXXX mortgage a letter of explanation is no good and I needed to contact credit bureau to get it removed. XXXX XXXX sent another XXXX bank statement for mid XXXX along with XXXX and XXXX XXXX statements with Social Security deposit circled. I contacted 3 credit bureaus and it was only XXXX that had the XXXX XXXX on my credit report and requested removal. They removed it by XXXX XXXX which I verified by phone with XXXX representative. XX/XX/XXXX Caliber sent another thank you letter for updating documents. XX/XX/XXXX I sent to Caliber a letter that it was being removed and I would follow up further with XXXX later in the week to make sure it did n't show up on my credit report again. XX/XX/XXXX Caliber sent another Thank you letter. XX/XX/XXXX Denial letter from Caliber on Loan Modification because of missing or incomplete of all documents. XX/XX/XXXX I submitted ALL proper documents again to Caliber Home Loans. Approximately XXXX XXXX I followed up with a phone call for a status update. Called again for a status update on XX/XX/XXXX only to find out that my documents submitted on XX/XX/XXXX, had the same XXXX XXXX mortgage showing up on the credit report. Representative said that it takes a full 30 days to get it removed properly. I could submit in mid XXXX and it should be removed. XX/XX/XXXX Submitted documents again. I feel they are playing the same game and will deny me again after the 60 day period. They are not processing the documents that are received in a timely fashion in good faith.
|
| 02/28/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Complaint against Corporate Headquarters of Caliber Home loans XXXX XXXX XXXX. XXXX, TX XXXX XXXX, TX XXXX On theXX/XX/XXXX I contacted Caliber home loans to inform the mortgage company that I was XXXX XXXX XXXX and XXXXl and had signed and approved documentation from the Commissioner of the Revenue 's Office. I was told to fax my document to the tax branch at Caliber Home Loans which I did immediately. I later went to the website and enrolled since I just bought a brand new home through XXXX XXXX which they sold to Caliber. After enrolling I sent a message online through Caliber 's Messaging System and attached a copy of the Document that I received from the Commissioner of the Revenue. After two days I called Caliber and was hung up on for no reason because I asked ask about my Exemption of Taxes. I called back and spoke with someone else whom seemed to get the information flowing so I thought. The person that was suppose to process my documents said he called and talked to " XXXX '' and she said I was not exempt and not to process my documents. So the Caliber agent called The Commissioners office to talk with XXXX XXXX Who is the Senior Administrative Executive to the Commissioner. She said on the phone that I was exempt and I will pay {$0.00} in any tax for my home. We hung up and I talked to a woman supervisor in the Tax Branch at Caliber and was promised to have it completed on Monday the XXXX of XXXX. Well today in Tuesday the XXXX of XXXX and I have been hung up on denied to talk to Supervisors and can not talk to anyone but agents that do not want to process my exemption because it doesn't have a dollar amount. They said it was Policy and I asked for a copy of the Policy and was told they don't have email accounts. Today I have made multiple phone calls to get someone to process my exemption as my Mortgage is due on the XX/XX/XXXX. Nobody at Caliber will assist me or let me speak to a Supervisor. I do feel discriminated against because I have never been treated this way before I was XXXX. I served in 15 months of XXXX with a XXXX XXXX 2 XX/XX/XXXXXXXX and a XXXX XXXX. I have been XXXX XXXX Multiple times and XXXX at almost everyday for 15 months. My injuries are forever and the stress that this puts on my family is just about overwhelming. There isn't one person at Caliber Home Loans that cares about XXXX veterans. I had an employee at Caliber say XXXX Your Service before he hung up. Who does that? My XXXX XXXX XXXX Saved my life and was awarded the XXXX XXXX XXXX that I wrote. On my way home tonight Caliber called me and said mine name and my wife 's name and said I can save you money on your mortgage as I hear people in the back ground and pool balls being broken with music in the back ground. Another thing is Where is there headquarters is it in XXXX Texas or XXXX Texas? I don't know what's going on at Caliber but its not fair to me my family, XXXX veterans like myself or be treated this way at all for anyone. My Mortgage is due on the first and my mortgage company will not accept my Benefits for being Tax Exempt and I feel that if I pay my Mortgage I won't get that money back to put toward the principle or even in the escrow. My Taxes from the County of XXXX was back dated and I probably won't get that back either. I feel that Caliber home loans won't process my Real Estate and Property Tax Exemption Document because I am a XXXX veteran. Why can't I talk to supervisors. Why don't they have emails? They don't have direct lines. When you look up this company you won't find specific departments you get a XXXX number to call and they route you around until you get sick and won't call back. I had a XXXX XXXX tonight after dinner because of the stress the Company has put me through. Dealing with this has probably caused me more ailments than I already have. Bottom Line, is I am XXXX XXXX XXXX and XXXXl I have Documentation that I provided to my County and then provide the Tax Document to the Mortgage Company. This is insane.
|
| 10/04/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Thank you for your time to review. This is a complex situation.
As part of a purchase agreement to buy a Condo, I was referred to work with Caliber Home Loans as a " preferred lender '' with the added incentive that a punitive condition in the contract of $ XXXX/day would not apply if I worked with this " preferred lender ''.
The loan application was made in my sole name, but as required in Washington it was understood that my wife would need to sign in various appropriate loan and title documents As part of the process, Caliber credit approved the loan and ordered an appraisal in due course. The initial appraisal was developed and matched the purchase price ( {$490.00} ). However, after reviewing the appraisal, it was determined that the appraiser had incorrectly assumed that the unit included ownership of a parking spot. As identical units with parking were selling for $ XXXX more than those without parking, this was flagged for review.
After receiving the feedback about the error, the appraiser proceeded to amend the appraisal applying an adjustment of $ XXXX for the lack of parking. However, more meaningfully, the appraiser elected to also amend unrelated valuation of the condition of the 2 offsite comps used in the valuation. The net effect was to offset impact of the parking correction.
The appraiser was asked to explain the basis for the unrelated change, and Caliber has also been asked to do so. At no time has either party provided any satisfactory explanation for the action other than " it doesn't matter ''.
However, this lack of explanation raised a reasonable concern with the overall integrity of the appraisal in the first place. Using reasonable logic, the appraiser would have etiher a ) left the condition as is and still simply attested that the original value held or b ) adjusted the value down by the $ XXXX assigned to parking resulting in a low appraisal.
The implication of their choice was to avoid the low appraisal. However, the purchase agreement ( like others ) included a very balanced set of procedures to address that situation which could have been leveraged. However, instead, the appraiser ( and lender ) insisted on a proceeding with the valuation despite the obvious questions.
As a result, my wife, with whom I am separating, and whose primary interest is to ensure that our joint assets aren't diminished expressed concern. She felt that if the appraiser maintained integrity then the property was valued at $ XXXX and that needed to be addressed and has refused to sign any documents related to the transaction if not addressed.
However, Caliber and the appraiser both elected to ignore the logic and have proceeded with the insistence that the original value to the sole benefit of the seller ( reminder that Caliber is their " preferred lender '' ).
As such, I advised Caliber that my wife would not be signing the documents which would result in my inability to satisfy the loan conditions. I then communicated to the seller that the agreement needed to be terminated due to lack of financing availability. As part of this termination, the seller had the right to request confirmation on 3 criteria from Caliber.
It is not yet clear, whether the seller has requested this from Caliber, but at this point, Caliber has refused to address the 3 criteria, and maintains that the loan is approved even though they have separately acknowledged that the conditions could not be satisfied. This position that the loan is still approved, serves no other practical purpose but to benefit their preferred relationship with the seller, and create a situation whereby I am unable to terminate the agreement and be reimbursed the earnest money associated with the transaction.
Caliber 's ( or it's appraiser ) mistakes created the issue, and not only have they failed to reasonably address the issue, they are then doubling down on it by taking a position blindly in the favor of it's preferred seller to cause financial harm to me.
|
| 10/30/2017 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I have had my mortgage loan serviced by Caliber Home Loans , Inc for over 3 yrs, and have always paid on time, and have added add'l principal to the required payment. I have always used my online bill pay. I set up automatic payments at the time that I took the mortgage out, through XXXX XXXX, and I can verify that the payments have gone out on time, EVERY month, with add'l principal payments.
On XXXX/XXXX/XXXX, I received notice from XXXX XXXX that my payment had been returned. I called, as I was surprised that my payment was being mailed. It was, as they said that Caliber will not accept electronic payments, ( which seems antiquated ). XXXX XXXX could n't tell me why my payment was returned, so I had to reach out to Caliber Home loans. I tried to call, and was n't able to get anyone to pick up. So I managed to log onto their website, and sent a request to verify why my payment was returned. I have an automated response from them on the XXXX of XXXX, stating that they would reply to me within 5 days. Again, I still have a copy of that email, but I did n't get a reply. I verified that it did n't go to my spam folder. NO RESPONSE, I know, shocking!!!!
So I was finally determined to call in and find out why my payment was returned, so I blocked off an hour of my time to stay on hold an get through. I did eventually get someone to answer, and he explained that they had changed the mailing address during the previous month. He claimed that they sent a notice to my bank that they had changed the address to a P.O. Box. I tried to change the address on my bill pay, but it would n't allow me to enter the address that he gave me. So I called my bank, XXXX XXXX, and I was fortunate enough to get someone who then called Caliber to find out why the payment was returned. We were on the phone together, and were told a different address, and told that the reason my payment was returned was because the account number referenced on the check was incorrect. So we updated both the address and the account number, and resent the check through my bill pay on XXXX/XXXX/XXXX.
I received a collection notice a couple days ago, so I called and was told they had received my payment, and that there had been no penalties. I then asked him to go through the last few transactions, and was shocked to find that I had a smaller amount applied to 'additional principal ' with this payment, then with the previous months payment. Upon that catch, the rep, XXXX ( # XXXX ) stated that I WAS in fact charged a {$35.00} late fee. I asked him to have a someone call me back, this was on Fri the XXXX, only one business day prior to today. Today, I rec 'd a statement that again reflected that my previous months payment had n't been made, and it DID reflect that late fee on it. So I took the time to call again .... Determined to be refunded the {$35.00} fee that I should n't have been charged.
Today, the rep told me that I should have noticed the address change on my monthly statements, and that it was n't their responsibility to let me know that they had changed their address. I confirmed that I have the correct address and account number in my bill pay software, and expect the payment that my bank is sending today, will be applied on time.
I ca n't believe the nerve they have to fail to respond to my electronic request sent through their website, on XXXX/XXXX/XXXX, the day after I rec 'd notice that my payment was returned. I have confirmed that they did n't respond to that, and I waited 5 business days to call, just as their automated response email said to. I am also appalled that a loan servicing company does n't accept payments electronically. Either way, I 've done all that I could to get the montly payment to them on time, and for more than the amount due for the past 3 years. I am determined to not pay a late fee, as I tried everything, to get their payment to them, on time ; despite the fact that they changed the address and did n't bother to send me a notice.
|
| 06/23/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Ive been working with my mortgage company, Caliber, since XXXX to modify my home loan due to an increased burden on my budget for a situation Ill describe below. During the process Caliber advised I stop making payments to show a need for modification. I spent weeks making sure they have the correct paperwork, cancelled my autopay, and spent hours on the phone with their single point of contact reps. They approved a modification in mid-XXXX and the new payment would be due for XXXX, approximately {$50.00} less than my existing payment per month. I sent all the docs back to them, signed and notarized, confident and happy that the process was finally over and I could move forward.
I noticed that my check hadnt been cashed so I called in early XXXX. I was told the documents and check were received late ( held up in the mail or at caliber? ) and I was told the loan modification offer had been cancelled by USDA. I was extremely upset, honestly panicked, and spoke with several people that day including someone in upper management named XXXX XXXX. He was very sympathetic to the situation and assured me that he was working directly with Calibers VP, who was personally aware of my situation, to either redo the loan modification or find out if USDA could make an exception ; XXXX said to call him back in a week and noted he would be in touch. We spoke a couple times on the phone since he gave me his direct number. Weeks went by and I couldnt get my calls returned after leaving several voicemail messages. As advised by Caliber, I continued to not make payments during this process despite being concerned about how it would likely affect my credit. Ive talked to reps via the single point of contact number and sent secure messages through the website. I hadnt heard anything for weeks and was extremely anxious and worried. The last rep I spoke with, on XX/XX/2019 ( after leaving another voicemail for XXXX that day ), assured me that the loan was being modified and was with the underwriters ... apparently the rep got in touch with XXXX or reviewed his notes in my file. I was temporarily reassured and have been patiently waiting, trusting that Caliber was doing everything correctly and in my best interest.
Yesterday I pulled up to my house and found pages of foreclosure notices taped to my door. The legal jargon and threats of foreclosure are difficult to interpret and there are numbers to contact, but Im totally confused how it got to this point and overwhelmed trying to figure out how to navigate solving the issue. I dont know what to do and am lost as to how to correct this since I cant get any info from Caliber. My understanding, according to the paperwork taped to my door, is that I need to pay my back-owed payments, approximately {$9500.00}, in the next 30 days, in addition to new fees they are assessing in the amount of approximately {$1100.00} ( which in itself is fraudulent in my opinion ). This is an excessive financial burden as a single mother at this time as I am also currently paying an attorney thousand of dollars for legal issues to help my children due to abuse and neglect by my ex husband, their father - we are still in the middle of a legal battle and I expect I will owe my attorney at least another $ XXXX before the end of the year. Ive always made my house payments in a timely manner and never defaulted until I was told, by Caliber, to stop paying during the process this is now a nightmare. The irony is that I wouldnt have been expected to pay a few months of payments had the loan modification gone through and finalized, so some of what theyre saying I owe is money that wouldnt have been due when I started making my new payment on the modified loan. Additionally, I sent a check with the signed paperwork that should have been cashed as the initial payment for what would have been the new loan. It has not been cashed at this time.
I need assistance and guidance as quickly as possible please. Thank you.
|
| 01/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Escrow Tax Issues XX/XX/XXXX Closed on home via XXXX XXXX Collected at time of closing XXXX County Property Tax {$99.00} per mo for 7 Mos {$690.00} School Property Tax {$260.00} per mo for 7 Mos {$1800.00}? Loan sold to Caliber Homes XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Real Estate Tax Notice XX/XX/XXXX Faxed & Snail Mailed Per instructions on the Caliber Mortgage Statement XX/XX/XXXX Received XXXXXXXX XXXX School District Tax Notice and Real Estate Tax Record Faxed & Snail Mailed as per the Caliber instructions.
XX/XX/21Received 2nd Notice ; Special Notice to Taxpayer referencing additional penalties and interest.
XXXXSchool District Tax ( Second Notice ) {$3200.00} Penalty {$1200.00} If paid on or before XX/XX/XXXX would have been XXXX XXXX Real Estate Tax Notice ( XXXX Notice ) - After XXXX Payment to be {$140.00}. If paid during XXXX would have been {$120.00}.
XXXX XXXX XXXX ( 2nd Notice ) - {$2700.00}. If paid during XXXX would have been {$2400.00}.
As of XX/XX/XXXX the Caliber Mortgage Statement YTD Escrow account had {$7400.00}.
XX/XX/XXXX XXXX pm Called Caliber Customer Service Department. Uploaded tax notices via XXXX Representative confirmed receipt and that the taxes will be paid.
Confirmed we would not be responsible for penalties/late fees.
XX/XX/XXXX Received Escrow Statement from Caliber with XXXX XXXX XXXX attached for {$3300.00}.
XXXX pm Called Caliber Customer Service Department again.
Representative assured that the taxes are being investigated and will be paid.
Representative instructed us to return the check to XXXX XXXX XXXX XXXX XXXX OK XXXX.
Returned via USPS Guaranteed the original 2nd notices, escrow statement including check and a letter of explanation. USPS Tracking confirmed delivery on XX/XX/XXXX.
XX/XX/XXXX XXXX am confirmed with the XXXX XXXX XXXX XXXX XXXX ) that XXXX and prior years taxes have been paid. No payments have been received for XXXX.
XXXX am Spoke with XXXX XXXX ; Tax Collector ( XXXX ). Confirmed that as of today, no payments for XXXX taxes have been received.
XXXX pm spoke with Caliber XXXXXXXX XXXX XXXX.
Representative stated that the returned Escrow check has not been credited back into the escrow account. This may be the reason the taxes have not been paid ( not enough in the account to pay ). Representative explained that if the escrow account had an excess, the overage is automatically refunded to the owners. Understood. However, there wouldnt be an excess if the bills were paid. Once again, I was reassured that the penalties/Interest would not be our responsibility.
Confirmed that the Letter to Caliber accompanied by the returned escrow check was delivered by the US Postal Service on XX/XX/XXXX.
XX/XX/XXXX Received Mortgage Statement Reducing mortgage payment.
Since we have now been instructed by Caliber that our mortgage was going down because and excess in escrow and then a week later that it was going up due to insufficient escrow and now it is lower again, I am not confident!
XX/XX/XXXX Called Caliber Escrow Department. Spoke with Representative at XXXX. Rep informed that the last payment from the escrow account was for {$2300.00} on XX/XX/XXXX.
Briefly reviewed with Rep that escrow payments are delinquent and payment is to be made. Was put on hold for about 10 minutes. Representative said a Supervisor will call back in about 45 minutes when they are due in. It is now XXXX no call has been received.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - We have not missed any payments. We have not been late on any payments. Throughout the last XXXX years we have had multiple home loans. I have never had to check on my tax payments. How can I get this mortgage company to pay our taxes? Am I gon na be responsible for the penalties/interest? The taxes will be due again soon.
Please help.
|
| 05/07/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
We have lived in our home for 34 years.
We made a Loan with XXXX in XXXX of {$100000.00} XXXX was the Lender & the Loan Servicer.
Each month we would receive a " statement '' from XXXX to make our payment.
The payment was {$740.00} In XXXX we filed for Chapter XXXX Bankruptcy in XXXX, MO with Attorney, XXXX XXXX XXXX.
XXXX was NOT included in the Chapter XXXX Bankruptcy, as we were prepared to make our monthly payments to XXXX as usual.
XXXX was notified of this.
We paid off the Chapter XXXX in XXXX Since XXXX XXXX ceased ALL communication with us.
XXXX sent NOTHING No " statements '', No mail, No phone calls, nothing.
We tried calling XXXX for over 6 months We tried to find out where to send payments, but every phone call to XXXX was met with " we can not talk to you about your account while you are in Bankruptcy ''.
We wrote letters to XXXX with no replies from XXXX.
We were always prepared to make the Payments as agreed.
Our Bankruptcy Attorney, XXXX XXXX XXXX, called XXXX and was met with the same answer.
Our Bankruptcy Attorney XXXX XXXX XXXX, told us the XXXX will contact us after the Bankruptcy is finalized.
We paid off our Chapter XXXX in XXXX and still " nothing '' from XXXX.
It has now been " over 10 years '' since our last communication with XXXX and we received a " notice of Foreclosure '' from XXXX.
It is then I contacted our " now '' Foreclosure Attorney, XXXX XXXX.
XXXX has since sold the Loan to Caliber Home Loans, who has filed Foreclosure.
Caliber Home Loans has since sold the Loan to XXXX XXXX, who has filed Foreclosure.
XXXX XXXX XXXX has tried to have us evicted.
Our Attorney, XXXX XXXX, had the Court set a Trial By Jury for XX/XX/XXXX.
XXXX XXXX XXXX has since filed a Unlawful Detainer.
XXXX XXXX XXXX informed our Attorney that they may settle for apprx {$65000.00}.
Knowing that we can not get a Loan while under Foreclosure.
We have no other avenues, as we are on Social Security now.
.
My opinion : XXXX was supposed to be the Lender & Loan Servicer, but has since turned into a Loan Collector and aggressor.
There is nothing in our Loan agreement that states XXXX has the right to cease ALL communication & not continue to send statements for us to pay the loan.
XXXX caused the loan to go into Foreclosure and made demands " after 10 years '', knowing full well that we as the Borrower did not have sufficient funds to pay the loan off.
Our rights as a borrower has been denied by XXXX & has caused " irreparable harm '' to our credit, home and livelihood.
XXXX has committed fraud on us, as the borrower.
The methods used by XXXX was fraudulent, and designed to obtain a Foreclosure which goes against many Lender / Borrower rights & laws of the State of Missouri.
Had XXXX kept with our agreement and made contact with us, instead of denying contact, we would still be making our loan payments and not be in the position XXXX has put us in.
We contend that XXXX never intended to service the Home Loan in good faith and instead became the collector / aggressor to make the loan move into Foreclosure thru fraud.
Why else the NO communication, phone, mail or any other means from XXXX?
Why else the " over 10 years '' of NO communication, phone, mail or any other means from XXXX?
We have continued to pay our Home Insurance & Home Taxes every year.
We also contend that Caliber Home Loans and XXXX XXXX has NO stake in the ownership of the Loan or our Home, because of XXXX failure to Service the original Loan and having NO contact for over 10 years with us, XXXX has yet to offer any excuse.
XXXX XXXX XXXX " inherits '' XXXX & Caliber Home Loans mistakes.
We should be the " Plaintiff '' & should have the right to sue them for all this XXXX.
We were always prepared to make the Payments as agreed, but " how could we ''? ... ..They would not talk to us or even offer to start making payments in XXXX or even when we received the Foreclosure Notice.
.
|
| 06/23/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
*PLEASE HELP, WRONGFUL FORECLOSURE SALE SCHEDULED IN ONLY 7 DAYS* Dear CFPB representatives, I 'm writing this letter to request your assistance in stopping my wrongful foreclosure sale that is scheduled for next week on XXXX XXXX, XXXX ( 7 days away ).
Caliber Home Loans is calculating my financial input values incorrectly for the sole purpose of denying me for mortgage assistance and I have proof to back up my statement. I tried to resolve the issue internally with XXXX but they continue to violate the law and my rights by wrongfully denying me for mortgage assistance.
I have outlined in this request for assistance all of the egregious and abhorrent issues with regard to the wrongful and prejudiced Request for Mortgage Assistance denial dated XXXX XXXX, XXXX.
*WRONGFUL AND PREJUDICED RMA DENIAL DETAILS* ( Reason for Denial ) We are unable to offer you a Loan Modification because your loan to value ratio ( LTV ) must be over XXXX % to be eligible ( Issue w/ Denial # XXXX ) Completely Bogus! Caliber provided a loan payoff amount ( see attached ) for {$580000.00} and set property value at {$570000.00} per the attached BPO provided by. The denial states that my LTV is less than XXXX %, which disqualifies me for assistance but the calculation is INCORRECT! My LTV is over XXXX % ( see attached ) based on the data provided by Caliber alone.
( Issue w/ Denial # 2 ) Caliber is conveying that they are calculating the LTV using only the unpaid principal balance of {$390000.00} from the payoff statement listing the payoff amount of {$580000.00} described as " PAYMENT DUE TO RELEASE LIEN '' by Caliber. The actions of Caliber are not only unfair and abusive but that are also in direct violation of both state and federal law, making their actions also illegal. The LTV calculation is defined as follows by XXXX : " The LTV ratio is calculated as the amount of the mortgage lien divided by the appraised value of the property, expressed as a percentage. For example, a borrower taking on a {$92000.00} mortgage to purchase a home appraised at {$100000.00} would have an LTV ratio of XXXX % ( XXXX/XXXX ). '' Based on the definition and example above, Caliber would use the lien release amount of {$580000.00} ( see payoff statement ) as the L value in the LTV ratio with an accompany property value of {$570000.00} as the V value, which would make the LTV over XXXX % ( XXXX % ) and put me in the " underwater '' category, thereby qualifying me for mortgage assistance. Caliber 's denial and perpetuation of foreclosure are wrongful and illegal!
( Issue w/ Denial # 3 ) Caliber calculated my LTV using only the unpaid principal balance of {$390000.00} and the property value of {$570000.00} to deny me for mortgage assistance. If Caliber will agree to take {$390000.00} to payoff the loan and if my property value is {$570000.00}, I already have multiple offers to refinance my loan with almost XXXX % equity per Caliber 's calculations and denial.
Therefore, please halt the foreclosure proceedings immediately to give me an opportunity to refinance my home over the next 30 days away from Caliber for the amount of {$390000.00} ( the unpaid principal balance ) ( Issue w/ Denial # 4 ) I should still be eligible for MHA HAMP Tier 2 based on the false inputs that were used to calculate the new payment amount presented in offer from XXXX XXXX. I never defaulted on MHA HAMP Tier 2 TPP payments nor did I default on a MHA HAMP Tier 2 loan modification, which means that I remain eligible for MHA HAMP Tier 2 presently. Caliber never completed an escrow analysis for this mortgage loan to determine if there was a shortage and the exact shortage, which means that the escrow shortage payment of {$500.00} per month CAN NOT be validated. I should have the opportunity to apply for MHA HAMP mortgage assistance at this time based on the unethical and fraudulent MHA HAMP Tier 2 loan modification offered in the past by Caliber.
|
| 10/26/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
My mortgage Company, Caliber Home Loans, refuses to accept on-line, over the phone or a regular check payment from me for the next 12 months or longer ( if they decide ). I must make certified bank payments to them for the next 12 months. I had initially had made on-line payments and then changed to an Auto-pay plan where they directly withdrew funds from my checking account. I was trying to get in good standing so that I could re-finance. In XXXX 2017 I had trouble with making the payment on automatic withdrawal date and called Caliber Home Loans to try to change the date or cancel the auto payment so that I would not have over draft fees or situation. The company representative said they could do that and I could send a check in with a late fee or make my payment on-line. Unfortunately, they attempted to withdraw the funds anyway and I was charged an overdraft fee by my bank and the bill was not paid. I called the mortgage company and they told me there was nothing they could do about it, it had been too late to change the date when I requested it. They told me the only option I had was to pay the amount owed. They proceeded to resubmit the automatic payment again, and again, even though I had asked them not to. I spoke to the bank and they said the only thing they could do was a " stop payment '' for Caliber home loans to avoid further fees. I asked if this would affect future payments and the bank said it would for 30 days. They stated I could get a bank check to pay the mortgage in the interim. I did that. The next month I attempted to pay my mortgage payment on line but they would not allow it. I sent a check in the mail. The check was returned. ( after almost 30 days ) I thought this was because of the stop payment, but it was n't. It was because the mortgage company wanted a bank check due to the stop payment on the automatic payment and they considered that a " returned '' check. I called the mortgage company a number of times when the funds were not credited to my account and they did not tell me they were returning my check in any of the conversations. They stated they " had not received '' anything from me. I then went back to my bank and asked if they could assist me in the situation and they recommended I make my payments through their -on-line Bill pay. I explained I needed proof that the funds were sent and that Caliber needed a bank check. They said they could do this. We tried this and again Caliber refused the check, but instead of informing me they could n't accept the payment from XXXX XXXX, they said they " did not receive '' a check from XXXX XXXX. In order to fix the situation I have had to pay additional funds every month to have ( double payments ) certified funds AND proof that I sent the funds. I now have late payments for XXXX, XXXX, XXXX, XXXX, XXXX. I paid all late fees and bank fees for certified funds, I have additional mailing expenses and this is unfair. I believe Caliber Home Loans has acted fraudulently by telling me they would not withdraw the funds and could stop the automatic payments in XXXX. I believe Caliber Home Loans has acted fraudulently by not informing me that they physically received my attempted payments ( and held them ) for more then 15 days, by not informing me that I had to have certified funds on the VERY XXXX occasion they refused to accept my check in XXXX. I believe they are intentionally causing a difficult situation for me to pay them in order to keep me from refinancing with another mortgage company and to possibly put me into a state of foreclosure. I have tried to be as compliant as possible and they have done their best to make things difficult. The only way I can get back in good standing is to make 2 Certified Bank payments in XXXX, not to catch up, but to be ahead 1 month so I wo n't incur any late fees while they take their time receiving and processing my certified funds sent with XXXX tracking with Signature.
|
| 12/08/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I was laid off from my job at XXXX at a salary of {$86000.00} on XX/XX/XXXX. This layoff was one of 300 workers who were displaced due to a reorganization of the company from a mid-tier corporation to an XXXX ( XXXX ) XXXX XXXX Company. I was given a small severance of approximately {$3500.00}. I applied for unemployment but was initially denied. I continued to apply for jobs but was not able to obtain a position. I received a {$6000.00} income tax return in XXXX and did make some payments on the mortgage but was unable to get the payments current due to a major problem with the septic field and sewage backup in the house. The cost to repair the sewage was approximately {$2500.00}. I also had the well pump break and the cost to repair the well was approximately {$750.00}. The hot water heater also broke and the cost to replace the hot water heater and reinstall a new one was {$2700.00}. I have had a small business doing XXXX XXXX XXXX ( XXXX ) that I began generating income in XXXX XXXX and did provide me with some revenue however the mortgage was three months behind at the time that I began to accumulate enough money to pay the monthly mortgage but the mortgage company would not accept payments from me at that time less than the total arrearages. I attempted to do a loss mitigation application however a sale date of was set in XXXX and my loss mitigation application was not reviewed due to a sale date. I contacted an attorney to process an emergency bankruptcy which was later dismissed. I contacted the mortgage company again on XX/XX/XXXX because I had received a phone call from a man named XXXX XXXX who said that he was calling from Caliber and would reinstate my loan if I made a payment of {$1900.00} and I was calling them to pay that amount. Caliber home loans stated that no such person worked for Caliber Home Loans and that no one had been authorized to make that deal with me. I then asked to reapply for loss mitigation and Caliber Home Loans did agree that they would allow me to do the loss mitigation application, they would mail it and I would have 30 days to complete and return the information. I did not have access to the application on the website because I had been locked out of my sign in and account information so the agent had to mail me the application. I did not receive the loss mitigation application dated XX/XX/XXXX until XX/XX/XXXX. I filled out all of the information requested and gathered the info that the application requested. I then got a scanner program that would allow me to put all the documents into a pdf format and emailed the package to Caliber Home Loans as instructed on XX/XX/XXXX, within the 30 days that the lender had requested that I return the application. After completing the emailed loss mitigation application, I then called the lender to let them know I had completed and mailed the application - the automated system advised me that my home had a sale date of XX/XX/XXXX, the same date I was submitting the application. I waited on hold for the next representative to find out what was going on but was disconnected. When I called back the recording said that the office was closed until Monday. I was never notified in any way that a new sale date had been issued and the thirty days for the application submission had not yet ended. Except for the application for loss mitigation, I received no mail and no phone calls from Caliber Home Loans to advise of the sale date of the house or any other information. The only way I was able to obtain the information about the sale of the house was when I called Caliber Home Loans to advise I had emailed to loan mitigation package. Now I have no idea what to do. I have no where to go, no family support and my credit is wrecked due to the foreclosure. I am facing being homeless and don't know what to do. I tried to upload the loss mitigation package I submitted but it is larger than 10 MB.
|
| 03/14/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
My loan originated with XXXX. The lock in agreement did not match the loan on signing day. I was told that issue would be straightened out, only to learn XXXX dissolved and loan was transferred to XXXX.
A year later I was laid off and discovered there was loan modification program, I could possible qualify for. ( Keep in mind, my wife and I had credit scores of XXXX at this time. ) Initially XXXX informed us, unemployment was not considered income. A few months had past, and the unemployment rule was changed by XXXX, we were told we met all requirements except, we needed to fall delinquent two months on loan.
Falling behind on our payments at the request of XXXX, the life that we knew was forever changed. Business and employment opportunities were limited, due to credit.
XX/XX/XXXX I was forced into bankruptcy to save the home, while in bankruptcy XXXX continued to call me, tape notices to my mail box and door. Also while in bankruptcy XXXX was not applying the payments that were sent to the trustee to the loan properly.
XX/XX/XXXX loan mod finally approved. Find out XX/XX/XXXX almost {$12000.00} was added to my loan in one month.
XX/XX/XXXX XXXX sends " Wrongful Foreclosure Check '' {$2500.00}.
In XX/XX/XXXX I discovered between XX/XX/XXXX - XX/XX/XXXX a total of XXXX property inspection fees were added to my loan, most of which were not disclosed on statements.
XXXX XXXX loan sold and transferred to Caliber, I sign and send privacy notice, not to share information pertaining to account and mailed letter questioning the validity of debt.
Some other issues include lender placed insurance and payment gap between cancellation date and purchase date, billing irregularities and postings of said insurance. Some years I have been charged twice for lender placed insurance.
Both Caliber and XXXX failed to apply payments and posting within two days multiple times. Inaccurately posted payment amounts. Caliber for months failed to disclose amounts in suspense accounts on statements, or notify me of any such funds. Did not apply monies when within {$50.00} of scheduled payments. At times monies in suspense account exceeded payment amount. Caliber reversed XX/XX/XXXX payment and modified it according to XXXX XXXX statement for no apparent reason.
In XXXX XXXX applied for Hardest Hit Alabama. Caliber was fully aware, initiated foreclosure proceeding anyway in XX/XX/XXXX.
Company representative of Caliber would not accept payment in full, XXXX XXXX. She informed me that she could not accept payment, no matter amount, house was in foreclosure proceeding.
A questionable check of {$45.00} dollars was sent to me in XXXX XXXX in the attachment it was for partial payment. Never have I made a payment of {$45.00}, could this be {$45.00} removed from suspense account?
I have sent multiple QWR 's to Caliber only receive incomplete responses. Caliber even sent incomplete QWR to the Attorney Generals Office in Alabama, stating no lender placed insurance, among other questionable responses. Caliber please send ALL information requested, not just a portion.
I have also sent multiple NOE to Caliber and XXXX. Latest to a XXXX XXXX at XXXX, with no formal response from her other than email acknowledging receipt.
A wrongful foreclosure has once again occurred. Caliber, and XXXX have slandered me, and continue to do so as recent as Calibers response to the CFPB, with false and inaccurate documentation and information.
Caliber continues to pyramid late fees, waterfall and cascade other fees, violating and disregarding Servicing Standards, related to the National Mortgage Servicing Settlement, FDCPA, FCRA, and RESPA laws.. I have submitted documentation supporting my claim to a law firm for review, which support each and every claim.
Caliber is XXXX, same execs, same scams, still fleecing America! Where are regulators? I am sounding alarms and now ringing bells!
|
| 12/21/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Caliber Home Loans is refusing to pay a bill that was outlined in my Escrow to be paid from Escrow. My Account Number is : XXXX In the State of Maryland, when you have a new build or new construction home in a development that has never had any water/sewage or other pipes, the county for which you live in charges the payment for laying those pipes to you the homeowner. The Homeowner is responsible for this bill on an annual basis and it is serviced out of different companies. It is typically called a Front Foot-Impound but the billing company who collects the money on behalf of the State will name it whatever they want. This is an annual bill that must be paid for whatever the County and/or Sate approximates it out to be. Usually it is about 20 years at a fixed rate. If you do not pay this fee, you will receive a lien on your property for not paying it. On XXXX/XXXX/XXXX my husband and I closed on our home and had this Front Foot-Impound Fee written into our Escrow by our lawyers and our original lender Prosperity Mortgages. Prosperity then sold our mortgage to Caliber Home Loans. Caliber accepted our mortgage as it stood with Prosperity, which included accepting that this Front Foot-Impound fee was built into our escrow and that it should pay out of our Escrow. Our house is not a total new build for us, but it is XXXX years old, so we still owe 13 more years on the Front Foot-Impound Fee as the new owners ( again - we have it built in to pay from our Escrow - see attached documents ). On XXXX/XXXX/XXXX, we received our first Front Foot-Impound Fee from XXXX XXXX XXXX XXXX XXXX titled the XXXX XXXX XXXX ( again the State of Maryland allows 3rd party companies to collect the fees on their behalf and they title them however they are titled - not something we can control ). I took the bill to our HOA president to confirmed that this was the Front Foot-Impound Fee for our community and however I needed to pay it, it needed to be paid or I would receive a lien. Again - I have it to come out of Escrow. On XXXX/XXXX/XXXX, I contacted Caliber, explained the bill to the Tax Department and sent in the documents including a copy of my Escrow Account Breakdown stating that it should pay out of my Escrow. Caliber 's Tax Department stated that they would pay out the bill by XXXX/XXXX/XXXX. Please note this bill is due XXXX/XXXX/XXXX or else, you have a lien on our property. If received after XXXX/XXXX/XXXX it will be {$490.00} and anything later causes a lien. On XXXX/XXXX/XXXX, I decided on my own to call Caliber and double check on the status of the bill. I spoke w/ Sequioa in the Tax Department who indicated that Caliber decided that they were not going to pay the bill because they thought it was a water utility bill. I asked why when Caliber decided to not pay the bill : why did I not get an email, text message, formal letter, phone call, smoke signal, or courier pigeon to inform me of such. We are one week from the due date and no correspondence was received from Caliber in regard to their decision and lack of action. I spoke with a manager ( XXXX ) after XXXX put me on hold for 10 minutes due to " phone issues ''. Again I was advised that they did n't believe it was the Front Foot-Impound Fee because it did n't directly say that. I was also advised by XXXX that Caliber never intended to pay for this bill because they did n't budget for it. But again, this was in the loan documents they agreed to when they took over the loan.Not once did Caliber call the company to double check what I was sending them. Caliber tried to inform me that Caliber did n't have to pay the fee although Caliber accepted the loan from Prosperity as is, thus they are violating the contract Caliber accepted the loan under. Caliber is violating my loan documents and agreement, putting my home in jeopardy with the County of XXXX XXXX in Maryland and leaving me open to financial risk.
|
| 11/18/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I received an email from Caliber Home Loan ( hereby known as Caliber ) informing me that my mortgage would be transferring to XXXX - XXXXXXXX XXXX XXXX ( hereby known as XXXX ) effective XX/XX/XXXX. XXXX emailed me to explain that I wouldnt be able to access my account until XX/XX/XXXX.
During a phone call today ( XX/XX/XXXX ) with Caliber, it was confirmed that the transfer was completed on XX/XX/XXXX, XXXXPreviously, I made a payment arrangement with Caliber for XX/XX/XXXX mortgage for the XXXX and the XXXX to which Caliber agreed was fine. While speaking with Caliber regarding that payment arrangement, I was told that would bring my payment up to date ( current ). The week of XX/XX/XXXX, XXXX sent me several documents in the mail, all dated the last week of XX/XX/XXXX, stating that multiple payments were not received/missing. These payments include XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Prior to these items, I was unaware that these payments were missed/not received. Along with sending me documentation that my escrow was negative and that my mortgage would increase {$300.00} despite a previous conversation where Caliber informed me my escrow would not go into the negative. This document also didnt explain why my escrow would suddenly be in the negative.
On XX/XX/XXXX, I logged into XXXX to check that XXXX correctly applied my payments and corrected Calibers ' mistake. They had not and continued to claim I am behind on XXXX and XX/XX/XXXX mortgage. I uploaded my redacted bank statements ( this company does not need my full bank statements ) to show payments ; however, they commented that my redacted statements would be required. Also, I contacted Caliber and requested all of my mortgage statements since XX/XX/XXXX be mailed to me.
On XX/XX/XXXX, XXXX informed me that the payments that are actually missing are XX/XX/XXXX and XX/XX/XXXX ; however, XX/XX/XXXX payment was made ( bank statements were submitted as documentation of payment ). The XX/XX/XXXX payment does appear to be missed ; however, I contacted Caliber in XXXX to see if the XXXX payment was received and I was told that it had been received. XXXX, however, did inform me that it appeared that Caliber had been incorrectly applying my payments as principal only vs my monthly mortgage payments which was fixed by XXXX.
On XX/XX/XXXX, I spoke with XXXX regarding my Home Insurance payment which was due on XX/XX/XXXX that was not received. XXXX informed me that Caliber did not provide them with any documentation regarding my Home Insurance including the policy, check number for the payment, etc. I send the policy information to XXXX for their records. I contacted Caliber and spoke with XXXX who told me that the payment was sent to my Home Insurance on XX/XX/XXXX for the amount of XXXX and the check number was XXXX which I then provided to XXXX. My home insurance company confirmed today ( XX/XX/XXXX ) that the payment was received on XX/XX/XXXX ; however, the policy number on the payment was completely incorrect which is what caused the delay.
Caliber assigned me a special point of contact the week they knew my mortgage would transfer and that I wouldnt receive the letter until after the transfer ( due to a better business bureau complaint ). At this point, I am making a complaint against Caliber Home Loans for not accurately applying payments, and adequately transitioning my account to the new company. Also, I am requesting that they remove the XXXX delinquency from my credit report as I am not 60 days delinquent. Additionally, I am still pending the reconciliation of my account by XXXX for the payments that Caliber did not accurately record.
My missing XX/XX/XXXX payment, and XX/XX/XXXX payment will be paid by the end of the month. I was withholding my XXXX payment until I could be sure that XXXX would adequately reconcile the account due to Caliber 's errors.
|
| 05/10/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I am not receiving mortgage statements from my mortgage company even though I have brought this to their attention two times once I realized it. This has caused me to miss 2 payments because I do not keep up with bills unless they are mailed to me or I have them set up for automatic withdraw. There is a reason for statements being sent to home buyers or they would never be sent to anyone. I recently noticed that I have not been receiving a mortgage statement since the last one I received for XX/XX/XXXX. This is the same month that the contractor that I hired to do my fire damage repairs on my home from a fire on XX/XX/XXXX, decided to put a lien on my home and sue myself and my mortgage company because I refused to release the rest of my insurance money for the fire repairs because he said he was XXXX % completed and wanted the rest of his money. I refused because I new there was no way he was XXXX % completed. He then told me he had an inspection result from the latest insurance inspector that proved it. When I refused he cussed me out and called me names. Let 's back up a little ... ... so much has happened with this problem, sometimes I forget certain details. When I first met with the contractor at my home, he looked around and said that all my furniture would be fine, he would just have his workers move it all from room to room as the work was being completed. The next day the workers started removing sheet rock and ceilings and dropped all the blown in insulation on everything I owned. I did not push the issue about my ruined furniture because I was living in a camper at the time and I just wanted the job done. Little did I know this was only the beginning of my troubles. When the insulation fell on everything it fell on a portable air conditioner that I needed to use in the camper and on a window unit. I never could get the portable air conditioner to work correctly again since it was full of insulation beyond the filter. The window unit was still being used by a worker and eventually I threw it out. I had to purchase a window unit for the camper because it was over XXXX degrees outside and I had XXXX small dogs living in the camper with me. All this was very inconvenient. When the contractor cussed me out and called me names I told him not to step foot on my property again. He then put a lien on my home in the wrong county, then he put it on my home in the correct county. He showed up at my place of business and tried to scare me by standing behind me quietly just smiling while I was counting the money in my cash register. I felt like someone was behind me, I turned around and was surprised by it being him, he began to try and hand me a paper while he was trying to take a picture of him handing me this paper. I called the police and they suggested I get a No Contact Order on him. The paper ended up being the lien on my home in the correct county. Then I get served a sopeino that myself and my mortgage company are being sued by this contractor. I was served this at my place of business in front of all of my customers. I contacted the mortgage company to tell them this. I sent them back the insurance check for the repairs that the contractor was trying to make me sign over to him. I told them I was being sued but the papers also said the mortgage company was also being sued. The mortgage company would not release anymore money until I either got the contractor to agree to completing the job as contracted or he agreed he was paid in full. This did n't happen so between that and the fact that I can not have anyone else do repairs until the lawsuit is over, my home still has at least XXXX % of fire/smoke damage to this day. I found out that the insurance company that works for the mortgage company had sent an inspector out and he gave the contractor a XXXX % complete inspection based on what the contractor told him. It was a lie
|
| 03/25/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
After numerous attempts, I have not been able to get information from Caliber Home Loans regarding the final payment process ( draw ), and loan finalization, on my FHA XXXX loan.
These delays in providing information on the final payment process and loan finalization have prevented the contractor from getting paid in a timely manner ( in an FHA XXXX loan, the bank pays the contractor ), prevented me from being reimbursed thousands of dollars that was outlayed at loan inception in order to maintain the Loan-to-Value ratio, and has prevented me from being able to refinance this loan with a different bank at current lower rates.
TO REVIEW -I have an FHA XXXX loan, initiated on XXXX XXXX, XXXX, originally contracted with, and financed by, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, MI, XXXX.
Despite the fact that the loan was unfinished and work remained to be done, on XXXX XXXX, XXXX, the loan was sold to Caliber Home Loans, XXXX XXXX XXXX, XXXX, TX XXXX.
At that time, due to a lack communication from Caliber Home Loans, and their refusal to fulfill my request for current account information after 2 months and several requests, I filed a complaint against Caliber Home Loans on XXXX XXXX, XXXX. ( CFPB Complaint Number # XXXX ). That delay caused the contractor to file a lien against my house.
CURRENTLY -In late XXXX XXXX, the contractor finished the required work, and an inspection was done. The FHA/HUD inspector has also not received replies to his email inquiries.
On Tuesday, XXXX XXXX, XXXX, I emailed my contact from XXXX, a third party advisor to Caliber Home Loans, who had been involved with this XXXX loan after the transfer, and was familiar with process, and I requested guidance on how to proceed with the final payment process ( draw ), and finalization of the loan.
On Friday, XXXX XXXX, XXXX, I received some details from the representative, which he CC 'd to the Caliber Home Loans contacts, and who indicated that aside from the few details he provided, he would not be able to assist further, as he was no longer with that company.
On Tuesday, XXXX XXXX, XXXX, having not received a reply from Caliber Home Loans to that email string, I emailed my XXXX contacts of record at Caliber Home Loans, requesting information on how to proceed with the final payment process and finalization of my XXXX loan. ( see attached email copy ) Having not received a response by Thursday, XXXX XXXX, XXXX, I sent another email to XXXX Caliber Home Loans contacts, referencing the original request to finalize the XXXX loan, and asking that they provide a response to ensure that I was emailing to the correct address, and that they remained the contact people. ( see attached email copy ) On Friday, XXXX XXXX, XXXX, I received an email response from XXXX of the Caliber Home Loans contacts, who apologized for the delay, saying that he would look into the account and call me with the details. ( see attached email copy ) Roughly a week later, on Thursday, XXXX XXXX, XXXX, still having not received any information, I again emailed Caliber Home Loans, requesting the information necessary to finalize the loan. ( see attached email copy ) Later that day, I received a phone call from the Caliber Home Loans contact, who said that the bank had partnered with a new third-party company ( XXXX ) to assist them in administering XXXX loans. He indicated that he would review my loan with XXXX of their representatives, and contact me the following day, Friday, XXXX XXXX, or by Monday, XXXX XXXX, XXXX at the latest.
Having not heard from Caliber Home Loans by Wednesday, XXXX XXXX, XXXX, I emailed them again, asking for information on how to proceed with the final payment process. ( see attached email copy XXXX As of today, Wednesday, XXXX XXXX, XXXX, I have not received any information, on how to proceed with the final payment process and finalize the loan.
|
| 02/07/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
In a process of applying for a loan modification with Caliber Home Loans we submitted by upload to their website all the documents we could provide that they required. This was in mid XXXX of XXXX.
They requested a Quick Claim Deed from my former spouse to have her name removed from the original mortgage so that the modification could be just in my name.
Because of the nature of the divorce, as I explained to Caliber, there were a lot of ill feelings and it would be difficult and possibly impossible to obtain the Quick Claim Deed and all subsequent documentation. They also requested we obtain from her a letter in writing explaining that she no longer lived at the residence and that she no longer contributed to my income.
After weeks of process as my former spouse and I no longer communicate except through attorneys my former spouse agreed to sign the Quick Claim Deed though her Attorney advised that it be held in Escrow until Caliber released her from the Mortgage.
A This point I immediately contacted Caliber and told them I had the documents. that it took time as I had predicted. At no time in this pre-process did anyone tell me about a 37 day restriction. Had I known that perhaps I could have encouraged my former spouse through her attorney and the process perhaps could have been sped up. As a matter of fact through multiple phone calls by me and many discussions including a few after they said it was too late now, did they refer to a date where they told me I only had 37 days, or 18 days left, or 6 days left etc.
When last week I asked XXXX of their support staff on the phone why they never called me, or contacted me by mail, or phone call concerning this she said I still had a " dont call '' restriction on my account. On XXXX XXXX of last year I had sent in a fax removing that call restriction. They also have sent my Lawyer multiple items. Why then did they not as they claim they tried on several occasions to call me did they ; not leave a phone message to call send me an email saying they are trying to contact me send me a letter saying " hey time is running out please call us! '' Or even send a note to my letter stating " Hey we ca n't get ahead of your client by phone please have him call us!
Under a CFPB ruling " Loss Mitigation Proceedures '' they did not use " REASONABLE '' diligence in obtaining or waiting for documents.
I explained to them we were dealing with a politically sensitive situation with my former spouse choosing an alternative lifestyle and undue pressure could be possibly interpreted as prejudice. We had to walk on pins and needles in obtaining these documents and I continued asking them for patience and understanding in this process. About one week after the 37 day time limit which again I knew nothing about, all of our negotiating paid off and she signed all the necessary paperwork. I had even written a letter to XXXX of their Vice President asking for special consideration in this unique situation.
We understand this is an extreme case and that it has been dragged out for years as I sought to prosecute the former mortgage company for their unethical and illegal activities in XXXX with thousands of other botched mortgages during that era. Caliber had the unfortunate consequence of purchasing this mortgage from this company as they successfully slipped off into the sunset.
It only seems reasonable to me however that Caliber reconsider its foreclosure against my home and its sale on XXXX XXXX of this year and accept the Quit Claim Deed and allow the Loan Modification process to continue and be rightly determined.
Our Forefathers which formed this country believed in the letter of the law. However they also believed there is times we should look at the spirit of the law and look harder at why the law was written and designed to control rather than what the law said. This is XXXX of those times!
|
| 02/11/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have a loan with Caliber Home Loans. I had a payment that was not processed due to insufficient funds in XXXX. The mortgage company processed the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX payments after the fact and never credited my loan for XX/XX/XXXX. I was unaware of the situation and then paid my XX/XX/XXXX on time and early XXXX payment in the Mail. Still unaware. The bank returned those two payments in the mail to me un-cashed and when I called to ask why I was told that my home had a scheduled trustee sales date of XX/XX/XXXX and that they returned those tow payments because my house was selling. I have owned my home for 17 years I have never had any negative history. I have a substantial amount of equity in my home also. After many phone calls my only recourse to stop the foreclosure was to do a repayment agreement. That amount changed from originally $ XXXX to {$19.00} with no breakdown or explanation of what the monies would go toward. I was told that it would stop the proceeding and I had to give them a cashiers check for {$9400.00} up front and then {$1100.00} above my mortgage payment balances per month of {$2300.00} over the balance. I paid the {$9400.00} and never receive any proof that the foreclosure was cancelled or any account of funds and why. I immediately called numerous times and the supervisor I worked with was no longer there an any commitment he made verbally they could not honor. Now my foreclosure was on hold and they still could not tell me what the XXXX was for. My mortgage payments due for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX added up to only the {$9400.00}. I continued to call and talk to supervisors I paid the agreed amounts in XXXX on the XXXX, XXXX on XX/XX/XXXX and XX/XX/XXXX on the XXXX of the month. When i went to make the payment in XXXX I was told that I breached the agreement and now my house was foreclosing again. Apparently there was no grace period for days in the month and it was due only on the XXXX or it was null and void. I talked numerous supervisors and representatives again and even had a copy of the XX/XX/XXXX agreement and there is no verbiage on the no grace period. A supervisor named XXXX finally apologized for his representative talking the XXXX payment and not saying anything or alerting me that the 9 days created a problem. he said he would reinstate the agreement and to wait 24 hours and call him back to make my payment which I did. Again I did not know of any problem. In XXXX 5x months early I called to make a lump sum payment to get the loan current. I was told that I owed {$7800.00} and additional fees of $ XXXX but i could dispute that amount after I paid the {$7800.00} separately and it would make the loan current and that the foreclosure would be cancelled. I did this on XX/XX/XXXX. The representative committed to me I would get a letter stating then that my loan was current and that she would guide me to dispute the separate incorrect charges. I never recieved anything and no one can help me to dispute and no one can tell me where {$24000.00} over my mortgage payment went. why I would owe still {$3500.00} in fees and why the do not owe me back the difference in over payment over aprox {$4500.00} went. and why the original amount was XXXX over what was due?? why they were foreclosing to begin with since they could have applied the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX payments proceeded to XX/XX/XXXX which I believe is against the law or the XX/XX/XXXX and XX/XX/XXXX payments that they returned to me. I never had any phone conversations with them ever end they were mailing to the home address and not my XXXX so i was completely uniformed. I have no hardship. I want my credit repaid I want the XXXX paid back to me above the mortgage due, i want my {$4500.00} overage paid back and all fees reversed and proof that I am current and that the foreclosure is cancelled.
|
| 02/02/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have encountered one problem after another with Caliber Home Loans since they acquired my loan around XX/XX/XXXX. Before then, my mortgage was with XXXX XXXX XXXX and was in the midst of a loan modification since XX/XX/XXXX. Literally, at the last minute after my loan mod. approval with XXXX, my loan ( unknown to me at that time ) was sold to Caliber Home Loans. My first permanent, modified payment was due with CHL by XXXX XXXX, XXXX. I made my first payment over the phone with their bankruptcy department on XXXX XXXX, XXXX. This was done due to the fact that I was ( at the time ) in active chapter XXXX bankruptcy ( I did not yet have an online account ) and also to ensure that my first perm. modified payment was received on time. This payment was drafted electronically from my bank account and I received a confirmation number from CHL verifying this payment.
At this point, I figured all was well. Not even close. First, was the permanent loan mod. paperwork that needed closure. Since all of my approvals had happened with XXXX, all of my paperwork had XXXX letterheads on it and was supposed to go back to them. Since XXXX had already sold my mortgage to CHL and purged their computers of my existence, there really was n't any way to handle that other than to send the XXXX approved permanent loan mod. paperwork to CHL. I did so via fax after instructed to do so by CHL 's bankruptcy dept. I also faxed a copy of the signed paperwork to XXXX 's bankruptcy dept. just to be thorough. CHL sent me new paperwork a few weeks after receiving the XXXX paperwork, instructing me to sign and fax again! Wondering what the point of this was, I did so. At this point, I began making my new permanent, modified payments to CHL over the phone each month, on time and always getting a confirmation number to accompany each payment. I did inquire multiple times about creating an online account so I did n't have to call every month but was told that I could n't because I was still in active bankruptcy. XX/XX/XXXX ( I do n't remember the exact date ), I received a phone call from a rather frantic CHL rep. telling me that the signed permanent loan mod. paperwork that I had faxed in XX/XX/XXXX was n't good enough and that I had to send in the original signed documents. I did so, at my expense via XXXX Priority envelope. It seemed that all was well again, as CHL received my paperwork and no further phone calls were received.
I continued making payments over the phone each month ALWAYS on time ( or even before ) and receiving confirmation numbers each time for the electronic drafts. On XXXX XXXX, XXXX my chapter XXXX bankruptcy was discharged as I had fulfilled its requirements and completed my repayments. I made my XXXX XXXX mortgage payment on the first of the month and also inquired as to whether or not CHL had received verification of my ch. XXXX discharge. I was informed that they had and that I could finally create an online account and resume a " normal '' rhythm of paying my mortgage online each month rather than by phone.
On XXXX XXXX, XXXX my wife received a phone call from CHL 's collections department wanting to know where XX/XX/XXXX 's payment was??? Obviously, she informed the rather rude gentleman ( XXXX teller ID # XXXX ) that I had already made that payment and was up to date. He insisted otherwise and practically demanded the payment. After the emotional phone call she sent copies of our bank records showing ALL of the payments ( AND confirmation numbers ) to date and that we were current. That was then. As of today ( XXXX XXXX, XXXX ) there still has been NO resolution on this matter. I have spoken with a dozen people since then ( the latest person, XXXX XXXX ID # XXXX ) trying to prove to CHL that they are wrong and fix this but to no avail. At this point, my only option is to hire an attorney if resolution is not achieved soon!
|
| 04/22/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I 've been in a battle with XXXX different mortgage companies who have claimed to be the owner and/or servicer of the note on my home. Originally, XXXX claimed to own both the note and the deed on our home, but after repeated attempts to request information proving that claim, they either only provided photocopies of incomplete documents or flatly refused to answer questions. During the time that I was disputing their ownership, we hired an expert to track down the location of our loan and were provided information that it was NOT owned by XXXX, but had been securitized ( including the name and location of the trust, the closing dates, the XXXX, and other documents related to our loan and its significance to the trust 's overall XXXX ). After a year of not receiving payment from us, and refusing to provide proof, XXXX removed all reporting of a mortgage from our credit report, registered themselves in the county recorder of deeds office over 9 years after they claim to have bought to original mortgage ( illegal in PA and recently upheld by a Federal judgement ), and subsequently sold the loan ( not actually ) to Caliber Home Loans. I immediately continued my dispute with Caliber, claiming that they can not own the loan as XXXX did not own it to sell to them ( actually, they claim XXXX trust owns it now, which brings up many more questions about the validity of that transfer given the delinquency of the mortgage ). They continued the practice of sending us photocopies ( interestingly enough, a different copy of the mortgage documents containing signatures not in what XXXX had initially sent to us ), and refusing to answer questions or provide the name of the custodian, and location, of the " wet ink '' note. Caliber has recently recorded themselves in the county recorder of deeds office, well outside of the 90-days required by state law, and in spite of my notification to the recorder of deeds that they had failed to follow the law. The most recent violation comes from a QWR sent to them in XXXX, which they did acknowledge within the required 5 days, but which they have failed to respond to within 30 days. There is no question that there are a litany of violations that have been perpetrated upon me by XXXX mortgage companies, and that there is some kind of scam going on here with the intent to defraud me and to attempt to foreclose on my home. I have never refused to pay the rightful owner of the mortgage on my home ( if XXXX still exists and can be proven ), but I have repeatedly asked these people to provide the legal documentation that it is them who are entitled to collect before they get another penny from me. I 've paid over XXXX to XXXX over the course of living here that I now believe that they were not entitled to collect, I believe that they may have defrauded the trust who did own my note through their claims to be the owners and failure to pay the trust as required, and that the true status of my mortgage XXXX not be able to be proven by anyone ( and it may have been paid off, at least XXXX via whatever transfers and games have been played by the banks ). The last thing that I want to do is pay someone, only to have another party show up XXXX day with a valid note and prove that I owe them money regardless of what I have paid to any other parties. There is absolutely something wrong with this entire situation, and the unwillingness of the banks to provide proof, in conjunction with the fact that I know there are at least XXXX different copies of a mortgage and a third party named who owned the note in circulation, that makes it all but impossible for any reasonable person to know who is actually owed money, if anyone at all. I 'm at a loss, and do n't know what to do as no one is being above board with their answers to my questions to attempt to ascertain who I may owe money to. I hope that you can help me.
|
| 11/12/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
" Debt Collector '' XXXX XXXX, Vice President, Customer Support and Escalations Caliber Home Loans , Inc.XXXX XXXX , OK XXXX Please respond to the below with specificity and particularity within five ( 5 ) calendar days of receipt of this letter, as time is of the essence, due to your negligent reckless behavior.
Re : XXXX XXXX / CALIBER HOME LOANS, Hereinafter " Debt Collector '' Re : Alleged Account Number : Loan XXXX : NOT A VAILD DEBT Alleged Foreclosure Date : XXXX XXXX, XXXX Unique Real Property Address : XXXX XXXX, Az. XXXX Notice : Consumer here by demands that Debt Collector, CALIBER HOME LOANS and its agents, immediately Cease and Desist any and all Foreclosure actions.
CALIBER HOME LOANS and its agents are purposely obfuscating facts to the consumer of who is the real creditor and avoided important accounting issues. Sending hearsay unsubstantiated accounting of false and forged documentation is a serious violation of the FDCPA. Also Violations of XXXX Plain Writing Act.
As a matter of record and fact, the consumer, acting in good faith repeatedly has brought to your attention that there are numerous fabrications, misrepresentations and violations to address in " Debt Collector '' CALIBER HOME LOANS, and its agents ', non-response communications.
As a debt collector, your actions have been and are a violation of 15 USC 1692 and you are liable for each and every violation. Pursuant to the FDCPA and state and federal consumer protection laws, be advised that I, the consumer, have the " right of private action '' and can seek protection and enforcement within an Article XXXX court of competent jurisdiction. Your wanton violations of the FDCPA signify that you accept the full " Moral Hazard '' of your continued malicious and willful ignorance and by your actions, you personally can no longer claim " plausible deniability '' of the intentional and irreparable harm created. " Debt Collector '' CALIBER HOME LOANS and its agents refuse to or is unable to provide a sufficient legal basis for its illegal intrusion into my credit file, erroneous credit reporting, misleading accounting, dunning letters demanding payment, Non Judicial Foreclosure and all other violations. Exercising my right to private action, I will bring suit against you, personally, and your agency for violations of federal and state consumer protection laws. Therefore, this notice can be construed as a Notice of Intent to bring such action, as your non-response does not support a legal debt " owed '' to your agency.
Debt Collector, Caliber Home Loans Inc. and its agents, threaten the consumer in an attempt to unlawfully take possession of ( i.e., '' steal ) Unique Real Property from me, the consumer, by filing on XXXX XXXX, XXXX false and/or forged documents in a public office to establish legal ownership and clouding the title ; this is a clear violation of Arizona A.R.S. 39-161, and other laws, which prohibits any unlawful proceeding against the consumer to garner the false presumption that Debt Collector has standing to foreclose.
At all relevant times, " Debt Collector '' CALIBER HOME LOANS and its agents committed the acts, caused or directed others to commit the acts, or permitted others to commit the acts alleged in this matter. Any allegations about the acts of the Corporations means that those acts were committed through their officers, directors, employees, agents, and/or representatives while those individuals were acting within the actual or implied scope of their authority.
15 USC 1692d 806, Debt Collector, Caliber Home Loans Inc. and its agents, have continuously trespassed, harassed and abused me, the consumer, and are liable for each and every count. Additionally, Debt Collector is in violation of 15 USC 1692e 807, as it has made and continues to make false and misleading representations in its communications to me.
|
| 05/16/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
This is the third complaint in a series regarding this mortgage. This process began in XXXX . Each time that I file a complain t, Caliber Home Lo ans resolves or partially resolves a portion of the complaint, but does not address the entire issue. This specific portion of the complaint regards the re-finance of my mortgage in XXXX XXXX XXXX . I have re-stated this complaint to the company before filing this third complaint and they have not responded.The principal balance of my refinanced mortgage # XXXX has never been correct. Please address this issu e : 1. The record will reflect that I have never missed a payment nor have I ever made a late payment with Caliber Home Loans, or any other mortgage company. My original loan XXXX # XXXX ) was sold to Caliber from the previous company.
2. The record will reflect that a refinance of this loan was necessary due to multiple errors that occurred over a period of over two years on my escrow account. These errors resulted in extreme hassle, time and frustration on my part, along with liens placed on my property. The record reflects that Caliber Home Loan s eventually agreed to a no cost refinance of the loan, without an escrow account as a resolution. This was necessary because XXXX aliber could n ot make the payment properly to the city of XXXX . Caliber Home Loans agreed to this as a resolution only after I filed a complaint with CFPB. 3. The record will reflect that Caliber Home Loans cancelled the refinance at the last minute on several occasions when it became clear that there were errors and charges on the new loan. The refinance process took close to a year and again resulted in extreme hassle and frustration. The record reflects that eventually I hired an attorney to facilitate this process. 4. The reco rd will reflect that the closing eventually was scheduled at XXXX XXXX at my home in XXXX XXXX XXXX . I had only a few hours to review the documentation and I again found multiple errors on the documents. These errors included excessive prepayments ( over and above usual and customary ) and an incorrect principal balance. However, I was explicitly told that if I did not sign the closing documents, I could not be guaranteed the interest rate on the loan. There was no one at all available from Caliber who k new anything about the history of this loan. After consulting with my attorney, we decided that it was best to sign the documents and resolve the inaccuracies after the closing. The refinanced loan is # XXXX . 5. Eventually, the excessive prepayments were refunded to me, after a second complaint with C FPB. However, the incorrect principal balance has never been explained or refunded, despite another complaint with the CFPB. During the last complaint , Caliber did agree to refund {$4 3.00} in charges as a " courtesy '', even though this refinance was guaranteed to happen at no cost to me. 6. The principal bal ance of this loan on the date of closing was {$370000.00}. This amount has never been correct. The past payments statement from XX/XX/XXXX clearly indicates that BEFORE my final payment on the prior loan ( # XXXX ), the principal balance was {$370000.00}. The principal balance of the new loan should be less than that amount, since this was the balance BEFORE I made the last payment. I completely paid that balance, the interest and the escrow account. 7. Please contact me with your resolution of this issue as soon as possible. Please refund the amounts owed to me plus attorney fees of {$870.00}. Please note that I have spent in excessive of 75 docum ented hours in attempts to resolve the multiple errors on this loan and the previous loan, not to mention the serious stress and negative impact on my health. Thank you in advance for a final resolution of this issue. XXXX XXXX
|
| 09/02/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I 'm filing a complaint surrounding violations to the terms of the National Mortgage Settlement ( NMS ). This matter is also consistent with violations identified within the California Bill of Rights ( CBOR ) specifically designed to protect homeowners from lender abuse and negligence. As part of a Nationwide reform which forced XXXX XXXX XXXX ( XXXX ) to comply and implement specific servicing standards requiring a single point of contact, adequate staffing levels and training, better communication with borrowers, and appropriate standards for executing documents in foreclosure cases, ending improper fees, and ending dual-track foreclosures for many loans.While my loan was being serviced and owned by XXXX, my loan modification was approved for recapitalization on XXXX XXXX, XXXX. At the time of the approval our loan was delinquent for approximately $ XXXX fact this was primarily due in part to the implementation of both the XXXX and XXXX was XXXX of the reasons that we chose to make three consecutive payments of {$2800.00}, paid XXXX XXXX, XXXX, XXXX XXXX, XXXX and finally on XXXX XXXX, XXXX. ( See Exhibit " A '' proof of payments ) Once my XXXX payment was posted to XXXX on XXXX XXXX, XXXX, my loan was immediately sold to an entity by the name of XXXX XXXX, on XXXX XXXX, XXXX and subsequently transferred to Caiber Home Loans ( CHL ) on XXXX XXXX, XXXX, from XXXX. ( See Exhibit " B '' Mortgage Transfer Notice Dated XXXX XXXX, XXXX ) In addition a qualified written request QWR, was served against CHL on XXXX XXXX, XXXX, for aforementioned mortgage. CHL 's office, has failed to provide requested documentation, that furnished the XXXX Letter as required by the industry during the sale or transfer of debt along with any associated addendum 's to the promissory note ( to include the allonge ). The provisions set forth by TILA, 15 U.S.C. 1641 ( f ) ( 2 ), require the creditor, new owner or assignee of the debt to notify the borrower in writing of such a sale or transfer. Additionally and to further support the request, the Uniformed Commercial Code ( UCC ) also requires that " within 30 days of each assignment, transfer, or sell, the assignment of true sale must be recorded under States ' statute. The dates of the allonge endorsement ( s ) and the notarized assignment ( s ) must match to prove true sales before a foreclosure can legally occur. '' The fact that the loan was sold in the middle of our transaction with XXXX, we believe directly contributes to the overall miscalculations and misapplication of payments and amounts.Furthermore according to the records and conversations provided by CHL 's loan modification department, they allegedly procured a permanent loan modification which is perceived to follow the terms set forth under the NMS. This loan modification offered by CHL, is alleged to be as a result of making our payments of {$2800.00} in 3 consecutive payments.The problem is that not only were we paying toward 3 trial modification payments under the making home affordable ( MHA ) program, which should have been accompanied with a principle reduction based on the National Mortgage Settlement ( NMS ) of XX/XX/XXXX. The calculations have added additional unfounded, exacerbated, with unexplained amounts factored into an outstanding excessive balance in the amount of {$720000.00}. Our loan was not as far behind as these calculations represent at unpaid amounts of {$270000.00}. This modification offer is a bait and switch from what was originally supposed to be offered by BAC, and the terms of NMS and CBOR. This is simply a ploy for BAC, to avoid from granting us reliefs infused into the terms of the NMS and CBOR as such. Immediate aid to homeowners, in dire need of loan modifications especially loan which originated with Negative amortization features undisclosed to unsuspecting XXXX time homeowners.
|
| 09/21/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Your companies " proprietary '' loan modification packages, combined with company procedures, are predatory, misleading, and deceiving, these practices cause, consumers to sign, certain rights away, under distress ; this extortion, causes the consumer to be locked into fess, inflated in many cases by, Pyramiding, Water Falling, and Cascading, causing improper default, and wrongful foreclosure ( s ).
I ) Your company states that it sent out a pre- approved loan modification on XXXX XXXX, XXXX, followed by foreclosure proceedings being initiated on XXXX XXXX, then followed by completely different loan modification, being sent out XXXX XXXX, XXXX, being replaced by another on XXXX XXXX, XXXX, because of an error, according to your companies response to case number XXXX.
Please explain in detail, as to why your company filed foreclosure proceeding 's before I had time to receive mailed, pre- approved loan modification, or even time to respond ; and the reason your company replaced modification, with one that contained errors, within ( 4 ) days of mailing the first.
Also, give the reason your company lied to the CFPB about the date, in which your company initiated foreclosure proceeding, stating XXXX XXXX, XXXX ( I have recorded documentation, from XXXX, dated XXXX XXXX, XXXX, confirming the firm was not contacted until XXXX XXXX, XXXX, to initiate foreclosure proceedings, first notice of default being dated XXXX XXXX, XXXX. ). This is not the only contradicting response, your company has given, in association to this account.
II ) My wife made an electronic payment, through her bank, on XXXX XXXX, XXXX, in the amount of {$120.00}, that should have been combined with a unapplied fund balance, to make a whole payment, that was sent back, by your company on XXXX XXXX, XXXX, after your company held payment, for a number of days.
Why did your company lie about the date it received these funds? Why did n't your company apply funds, to the date of receipt? Why did your company reject payment, before account was 120 days late?
III ) I called your company on XXXX XXXX, XXXX, and spoke with employee number, XXXX to initially make a payment. I was informed the only payment she could accept, was the entire balance of the loan in full, which was well over {$100000.00}, because account was in default, she could not even accept, a payment of {$2500.00}, which according to itemized mortgage statement would bring account current. I then tried to address errors within account, in which her response was, lets get you into this loan modification, after process is complete, only then we can address errors within loan, using pressure tactics, and threats of foreclosure, that would result in the loss of my home, in the attempts to delay correction of errors, only to lock me into errors, by means of " proprietary '' loan mod. I told her then, in that conversation, I felt forced, into signing, and at the time it seemed like my only option, even when I informed her, of the Hardest Hit Modification, application on file, with the state of Alabama, that I turned in, XXXX XXXX. Your company twice run notice ( s ) of default, in local publications, while I was awaiting decision, from the State of Alabama, on complete, Hardest Hit Applications. Why?
Your companies policies and procedure 's, I believe, cause this employee to be deceitful, in efforts to cause extortion, and justify a wrongful foreclosure. Please provide recording of entire phone call/ conversation, including all notes, and documentation, relating to call, and issues addressed or brought up during call. I am also requesting your company provide all versions, of phone response procedure ( s ), and protocol ( s ), when addressing payments, errors within consumer accounts, defaults, and loan modification 's.
... ... ... ..Continued in uploaded, .pdf attachments
|
| 10/20/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I HAVE APPLIED FOR A LOAN MODIFICATION THROUGH XXXX XXXX XXXX XX/XX/XXXX AND HAVE STILL YET TO GET MODIFIED AND WE ARE NOW XX/XX/XXXX AND MY MORTGAGE BALANCE HAS REACHED OVER {$20000.00} AND IS NOW IN FORECLOSURE!! I WAS WORKING WITH XXXX XXXX XXXX BECAUSE THAT WAS MY MORTGAGE COMPANY TO BEGIN WITH. WHEN I APPLIED WITH THEM IT WAS A RUN AROUND GAME. THEY WOULD ASK FOR REQUIRED INFORMATION AND I SUBMITTED THIS IN A TIMELY MANNER. TAKE INTO CONSIDERATION THAT ALL PAPERWORK HAS TO BE UPLOADED AND USUALLY TAKES 3-5 DAYS, SO I WAS TOLD! THAT DID N'T HAPPEN IT WOULD TAKE LONGER, OR THE WOULD SAY THEY NEVER GOT THE PAPERWORK! NOW ITS BACK TO SQUARE ONE RESUBMITTING PAPERWORK TAKING MORE TIME. MEANWHILE MY BALANCE IS GETTING HIGHER! IN THE PROCESS MY SERVICE MANAGER WAS CHANGED TWICE AND AT ONE POINT I REQUESTED FOR A NEW MANAGER BECAUSE SHE WAS BEING VERY RUDE AND AND HAD NO EMPATHY WHAT SO EVER ON WHAT I WAS GOING THROUGH. SEVERAL TIMES WAS I ASKED TO SUBMIT INFO I DID BY FAX, EMAIL EVEN FED EX STILL NOTHING TIL FINALLY THEY RECEIVED THE INFO BY THAT TIME MY ACCOUNT WAS SOLD TO CALIBER HOME LOANS I FOUND THIS OUT BY MAIL. THEN I HAD TO START THE PROCESS ALL OVER AGAIN TO CALIBER. THIS TIME IT WAS ALREADY IN FORECLOSURE!!!! NOW IM STILL IN PROCESS WITH CALIBER FOR THE MODIFICATION. THIS PROCESS HAS ALSO TAKEN MONTHS IT WAS THE SAME THING AT FIRST NEVER GETTING INFO THAT I SENT. THEN ONE DAY THEY SAID OK WE HAVE A COMPLETE FILE WE WILL PROCESS AND REVIEW IT. I NEVER GOT ANY UPDATED CALLS TELLING ME THE STATUS. THEN I WAS DENIED! SO I APPLIED A SECOND TIME, I GO THROUGH THE SAME PROCESS AND THEN SOMEONE FROM CALIBER CALLS OUT OF THE BLUE SAYS WE ARE CALLING TO ASK FOR MORE INFO AND WANTING TO LET YOU KNOW WE HAVE RECEIVED INFO BUT WE NEED MORE INFO. I SUBMIT THAT IF AND THEY SAY OK WE WILL KEEP IN CONTACT EVERY WEEK TO LET YOU OF STATUS. THAT NEVER HAPPEN THE FIRST TIME NO ONE EVER CALLED ME. SO I CALL XXXX A SERVICE TO HELP ME APPLY FOR MOD. SHE GETS ALL THE INFO SENT OVER TO CALIBER. SO THEN I CALL ONE DAY AND TELL SAY YES WE HAVE RECEIVED YOUR INFO LETS GO THROUGH IT. THEY WERE USING OLD INFO THAT WAS SENT TO THEM ALONG TIME AGO ( XX/XX/XXXX ) AND THIS PACKET WAS SENT BY XXXX XX/XX/XXXX XX/XX/XXXX. THAT 'S HOW THEY MADE THERE DECISION AND I WAS DENIED! I BELIEVE THEY WERE USING BITS OF PIECES OF INFO AND NOT THE PACKET XXXX SENT OVER. I CALLED CALIBER TO CONFIRM JUST EXACTLY WHAT INFO THEY USED TO MAKE THIS DECISION AND ALL I WAS TOLD BY A REP WAS " WE USED THE INFO YOU SENT TO US ''! I ASKED TO SPEAK WITH THE PERSON WHO PREPARES THE PACKET THEY SAID I COULD N'T SPEAK TO THE PERSON. I JUST WANTED TO MAKE SURE THEY USED THE XXXX PACKET THAT WAS SENT OVER. THE REP SD LETS SEE WE HAVE A LETTER FROM XX/XX/XXXX STATING YOUR CONTRIBUTION I SAID NO THATS OLD INFO YOU SHOULD HAVE A NEW PACKET THEY SAID NO THIS IS WHAT WE HAVE. THIS IS NOT FAIR THAT ME AND MY FAMILY HAVE TO GO THROUGH THIS AND HAVE OUR BALANCE GET TO AN ENORMOUS AMOUNT. KEEP IN MIND PART OF THIS AMOUNT IS ESCROW. THIS IS JUST RIDICULOUS THAT I HAVE TO GO THROUGH THIS. NOW MY HOUSE IS IN FORECLOSURE!!! THIS IS NOT MY FAULT. SOMEONE NOT FOLLOWING PROCEDURES AND PROTOCOL IS TO BLAME. PLEASE HELP!! ONE OF THE OPTIONS IF DENIED WAS A REPAYMENT PLAN WHICH WOULD BE PAYING HALF OF THE BALANCE OWING IN MY CASE WOULD BE AROUND {$15000.00} TO {$16000.00} THIS IS WHAT IS WAS TOLD BY REP THIS WAS INCLUDING FORECLOSURE COST AND OTHER FEES. IF I HAD THIS AMOUNT I WOULD N'T BE ASKING FOR A MODIFICATION. THE OTHER OPTION IS TO PAY THE BALANCE IN FULL! AGAIN IF I HAD THIS MONEY I WOULD N'T BE ASKING FOR A MODIFICATION. THE FINAL OPTION IS TO SALE MY HOME! AND THEY WOULD ASSIST ME WITH MONEY FOR MOVING. I DO N'T THINK ANYONE OF THOSE REPS KNOW HOW IT IS TO FEEL KNOWING YOU ARE GOING TO LOSE YOUR HOME. IM SURE WHAT TYPE OF LOAN I HAVE TO ANSWER YOUR QUESTION BELOW
|
| 11/19/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
This Complaint is a follow up Complaint I had originally filed on XX/XX/XXXX, ( Case # ) XXXX ), ( OMB # XXXX. ) The issue is currently and was at that time a Loan Modification denial I received from Caliber Home Loans, Inc.. dated XX/XX/XXXX.. Reasons stated on denial letter are as follows : { XXXX XXXX XXXX } Ineligible Mortgage, " You did not obtain your loan on or before XXXX XXXX XXXX '' { XXXX XXXX Modification XXXX } : Ineligible Mortgage- " Your loan was originated less than twelve ( 12 ) months from today '' Please see Attachment letter described as ATTACHMENT LETTER ( 1. ) RE : NON APPROVED Dated XX/XX/XXXX and ATTACHED LETTER ( 3. ) Dated XX/XX/XXXX showing difference in language stating originate date of today or completion date of review After receiving my first denial letter from Caliber Home Loans I contacted the SPOC via telephone to ask if I could obtain any more information regarding my denial. The reason explained to me by the SPOC was the same as outlined in the original denial letter except I was told by the SPOC that due to my loan not having the originated required time of ( 12 ) months or more that 's why my Loan Modification was denied. I was further advised to reapply in XXXX XXXX allowing enough time to pass by from the time when I filed the first application. The second application was filed in late XXXX XXXX fulfilling the needed originate date requirement time period of ( 12 ) month or greater Sounding a little drained on the phone realizing I would have to reapply all over again the SPOC commented to me assuring me that my extra effort would be worth it and that other than the Origination requirement there was no other reason that my application would not be approved if there was no changes that occurred from the first loan modification original and the second application which I stated there were not any changes as I recalled .My second loan modification application request that was filed XX/XX/XXXX. was sent while another letter that arrived XXXX stating for me to fill out another Form XXXX and fax ASAP so I contacted the SPOC regarding an error I was having filling out the form XXXX as It was explained in detail to me by the SPOC via phone and I was advised to fax the form ASAP to the SPOC which I did and later that same day I observed my Loss Mitigation status showing all documents have been turned in and my modification application is under review. On XXXX XXXX XXXX I received a second Modification denial letter stating denial reasons as follows : :XXXX XXXX HAMP `` Excessive Forbearance '' We are unable to create an affordable payment without changing the terms of your loan beyond the requirements of the program. XXXX Modification XXXX : " Default not Imminent ''. Default status not Eligible, " We are unable to offer you a Home Affordable Modification because you have not missed two or more Mortgage payments '' Please see ATTACHMENT LETTER ( 2. ) NON APPROVED Dated XXXX XXXX, XXXX. Conclusion : I believe the denial letter dated XXXX XXXX XXXX speaks for itself as to the ridiculous reasons given on my. Denial letters The original and the second denials are so stated differently regarding the denial reasons given but no change of circumstances ever. occurred between the two time periods and still have n't to date The statement of miss two or more Mortgage payments suggesting a option to being denied seems ludicrous as a option for getting approved or putting oneself at risk of foreclosure more so but without stating that risk I also would like to know why my loan is labeled as " Excessive Forbearance '' and what is its meaning in relation to my loan status which has always been paid on time and paid in full! CONCUSION I really do n't believe that any viable options were explored to the best they could be to work out a loan modification to help me with my hardsh
|
| 04/28/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
My complaint is with CALIBER HOME LOANS. We bought our home in XXXX. Our mortgage was with XXXX XXXX and then XXXX. With XXXX, in XXXX, my husband incurred an injury that required surgery and recovery time. During that time we never missed a mortgage payment. However we did miss a quarterly property tax payment. In XXXX XXXX XXXX sent us a letter that we had defaulted on our loan. We contacted them immediately to work out a way to catch up on the taxes ( still continuing to pay the mortgage payment ). At the time, they were very nice saying they had a whole department to help people like us and they would work with us to give us a loan modification.
I submitted all paperwork and I continued to pay my monthly mortgage. In XXXX XXXX, XXXX told me to stop paying my mortgage. They said I no longer had a loan and my payments were not going toward my house. They never returned any payments I made either. I stopped paying.
This dragged out for years as I was shifted to different people. With every shift I would start all over again. They still sent me monthly statements. XXXX I tried to pay my bill ( to show that I could and wanted to. ) They refused my payment XXXX times.
After ups and downs and a meeting with the court, XXXX led me to believe I had fulfilled all their requirements, I had showed them I could afford the house and they said I could expect a loan modification in about a month. That never happened and XXXX XXXX, they informed me the were selling my house on XXXX XXXX, XXXX. After communications with our lawyer they canceled that sale date and for the first time XXXX sent us to the underwriter under HAMP guidelines. They said we should have a new loan within 14 days.
Before the underwriter could complete the process, our loan was abruptly sold to CALIBER HOME LOANS. CALIBER said that they do n't participate in the HAMP loan program and promptly set a new sale date for our home of XXXX XXXX, XXXX. CALIBER sent me a letter on XXXX XXXX saying it was my right to request an independent review and during that time they could not continue foreclosure proceedings until the independent reviewer had made a determination. I immediately faxed them that that request. They received it and canceled the sale date.
However on XXXX XXXX they set a new sale date of XXXX XXXX. I called them and said I had stopped the sale date and the foreclosure proceedings with an independent review ( they would n't tell me who was conducting the independent review ). I said surely they could not have conducted and made a determination between the letter they sent on the XXXX and the schedule of the new sale date on the XXXX??? They then said, actually, while they have a record of me faxing something over to them on XXXX XXXX, they could n't find my request for an independent review so none was being conducted and they were selling my house. I said, " but I stopped the XXXX XXXX sale with exercising my right to an independent review! If you got nothing, why did n't you sell my house on the XXXX?? '' The " supervisor '' on the phone said he did n't know why they canceled the sale date. He said there was something in the notes about an appeal of the denial but he said, " We are selling your house on the XXXX. There is nothing you can do ''.
So on XXXX XXXX, I filed Chapter XXXX Bankruptcy to stop the sale. CALIBER has done nothing but lie and deny. They wo n't return calls, they loose paperwork, and they will not tell us who owns our note. They changed our monthly mortgage payment from {$2100.00} ( XXXX in XXXX XXXX ) to {$5700.00} ( CALIBER in XXXX XXXX ) but wo n't say why even though all our paperwork says our loan will not change even when the servicer changes. They gave me a primary contact person but he is never available to talk to and he wo n't return my calls. They do n't want my payments. They want my house.
|
| 11/21/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
This all starts with a divorce and a vindictive x husband who gave me our home in the settlement, but did not add me as 3rd party to have the authority to talk to our bank ( XXXX ). So without being authorized on the account and not having the account number or address ( which my x kept from me ) I was not able to pay the mortgage immediately, until I contacted the Attorney General 's office who forced XXXX 's hand to add me as authorized 3rd party and I began to pay my mortgage, but by this time i was 6 months behind ( {$12000.00} ) THEN XXXX ( who owns the note ) changed services to Caliber, and my fight started all over again. And here is our story : It has been over 2 years since we first applied for a re-modification. and both times given 2 different reasons why we were declined in a span of 3-4 months of each application. Reasons of which were : 1. DTI too low 2. DTI too high. Also I was told by a Caliber Rep XX/XX/2015 that it is more profitable for them to sell our home then re-modify us. Caliber phone archives will prove this, if any one was willing to investigate our case. After our XXXX denial, completely frustrated and desperate to keep our home, knowing full well we can afford our mortgage, we hired the XXXX XXXX XXXX to represent us and help us fight Caliber from their unlawful dealings with our mortgage. With our attorneys now in charge, XXXX XXXX XXXX applied for our 3rd request for re-mod. They never accepted the packet, saying repeatedly docs were missing when we sent the docs repeated times. My attorney, faxed a complete re-mod packet, emailed the packet and also federal Expressed the entire packet overnight, but they still claimed they were missing docs. This now has become a game of cat and dog. Caliber told us the re-mod application had expired and we had to reapply and send the entire application package AGAIN!!! We are exhausting our savings to in attorney fees to fight Caliber to allow us to re-modify us. We submitted the XXXX re-modification and they said we would get a notification of approval in a month. Next day they notified XXXX we were denied, now because our LTV was too high. It was quite obviously to us all that Caliber did not even review our application. XXXX XXXX did some research on XXXX and Caliber and found unlawful handling/dealings with our mortgage. They presented an Escalation Letter with violations, in efforts to force them into a position of re-modifying our mortgage, but they denied all allegations and basically told us " prove it!! '' In XXXX we did a chapter XXXX bankruptcy to STOP the sale of our home and giving us the opportunity to cure the debt and reassume Mortgage payments which we were never permitted to do. ( Although we have the income and do n't even need a re-modification loan, they refused us XXXX re-mod AND disallowed us to even assume mortgage payments. ) On XXXX XXXX the trustee told Us That our chapter XXXX was denied XXXX XXXX, and our house was taken off the protection of the chapter XXXX and SOLD to the same company XXXX who is behind the denial of our applications which put us in foreclosure While the trustee was sending us " motion to deny chapter XXXX '' letter having the right to appeal by XXXX XXXX, yet our home was sold already back to XXXX and had NO CLUE. We have been fighting for almost 3 years with XXXX, XXXX and Caliber to allow us to keep our home, exhausting our savings to attorney fees, contacted the AG, even Senator XXXX office tried to help, all efforts have landed up losing our home which we HAVE THE INCOME. I sent pics to caliber of structural damage occurring from sliding off hill, due to flooding. XXXX '' crack in foundation, walls are separated, ceilings is cracked and there is NO way anyone will want this house neither will it pass inspection.BUT WE WANT IT AND WILL FIX IT, but completely ignored us.
|
| 06/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
My wife and I began the application for a home mortgage refinance on XX/XX/2020 with Caliber Home Loans after receiving a mailed solicitation from Caliber. The first contact in this process was XXXX XXXX. I worked with XXXX until the XX/XX/XXXX. My wife and I sent documents almost daily to XXXX to get the loan process initiated.
Then, sometime around the XX/XX/XXXX and without any communication from Mr. XXXX we were handed off to XXXX XXXX. With a rather awkward handoff my wife and I began to send documents to Ms. XXXX. My wife became the contact, again without any communication or reason given and we began to send documents to Ms. XXXX.
Sometime in early XXXX and after sending another trove of documents we were told, by Ms. XXXX, that we would probably close the loan by mid to late XXXX. All communication from Ms. XXXX was that we were just waiting on her to send paperwork to the lenders who would make the final decision. From that point and time we received no communication from Ms. XXXX or anyone at Caliber Loans. We waited to hear from them on the decision of the lenders and the date of closing.
By the time we got to the XX/XX/XXXX I decided to call XXXX XXXX to see what had happened to closing. In that phone conversation Ms. XXXX indicated that we had not sent all the needed documentation. In addition she told me that she had so many loans to handle that when she did not have all the appropriate documentation she just put the loan documents aside and stopped all action, basically stuffing our files and others files which were deemed incomplete in a drawer and ignoring them. She also indicated that she would send me a list of documents needed. It turned out the her new list was the same as the list we had completed weeks ago - yes it was the same list.
My wife and I continued to pursue getting Caliber satisfied with our documentation and seemed to have finally done so. But, the day before we were supposed to close the issue of us having two houses came to the fore. Caliber, Mr. XXXX and Ms. XXXX had known that we had two houses from the beginning of the process. I indicated that one of the houses, the one in Virginia, was on the market to be sold. That raised the question of how I was going to work at XXXX XXXX XXXX without a home in Virginia. I indicated that I would work on-line and that I had decided to retire but continue to work part-time. Ms. XXXX indicated that I could just take the house off the market for one day and the loan originators would never know that it was for sale. I dont tend to lie for anyone, including myself and I was disturbed by the idea that Caliber would do so. When I signed, what I thought were the final papers for the loan the questionnaire asked is there any reason that you might not be able to make payments on this loan? And I marked NO! Again I do not tend to lie for myself or anyone else! I am planning to work for XXXX remotely and my retirement income is just barely less than Im currently making working full-time. The day we were supposed to close Ms. XXXX was on the phone asking for all my retirement income information that day. She was also asking for additional information from my wife, due that day. Asking for all my retirement information by end of day was an impossibility so I finally pulled the plug on Caliber! Both my wife and I have work that we have to do to keep out jobs and this loan refinance was handled so poorly neither of us wished to continue to do business with Caliber. Neither of us wanted to continue with a business that had practices that were poor at best and legally/morally questionable at worst.
What do I want from Caliber? On XX/XX/2020 I paid {$340.00} for an appraisal on the home we were attempting to refinance. I want that paid back to me. I would also like an apology from Ms. XXXX and Mr. XXXX, her supervisor.
|
| 08/31/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Private mortgage insurance (PMI)
|
|
Web |
|
|
On XXXX I contacted Caliber Mortgage to see how I could remove my mortgage insurance since I have well over 20 % equity in my home.
On XXXXXXXX they replied about private mortgage insurance and let me know that they sent a PMI Removal Request form through the US Mail.
On XXXXXXXX I replied that I did not have private mortgage insurance because I was confused between mortgage insurance and " private '' mortgage insurance, not knowing that they are the same thing.
On XXXX Caliber confirmed that I do have private mortgage insurance and that they enclosed the private mortgage insurance removal requirements for my reference.
I received the PMI removal request application, filled it out and sent the {$100.00} XXXX XXXX fee and application back to Caliber.
On XXXXXXXX my check for the {$100.00} XXXX fee was cashed by a XXXX from Caliber Home Loans.
On XXXXXXXX I received a letter from Caliber stating that they were unable to remove the PMI because they did not receive my XXXX fee of {$100.00}.
On XXXXXXXX I called customer service and spoke to a XXXX. XXXX resubmitted the request for PMI removal.
On XXXXXXXX I called customer service and spoke to XXXX. XXXX was unable to locate my XXXX fee of {$100.00}, she escalated the issue to a few different departments and requested I send copies of the cashed check through the secure portal online.
On XXXX I sent copies of the front and back of the cashed XXXX fee of {$100.00} through the secure portal. I received a reply that they directed my message to the PMI department for further review.
On XXXXXXXX I called customer service and spoke to XXXX. XXXX said it was under review and it could take up to 30 days for approval.
On XXXXXXXX I called customer service and spoke to XXXX again. XXXX escalated the issue to the cash department, the customer service escalations and to the PMI department. She told me to follow up on the XXXX.
On XXXXXXXX I saw on my dashboard on the website that {$100.00} had been applied as a mortgage payment to an " other '' account.
On XXXXXXXX I called customer service and spoke to a XXXX. XXXX was not helpful and told me to wait longer than one week. So I hung up the phone and called back hoping to speak to someone willing to be more helpful and got an XXXX. XXXX saw that the PMI removal was in research but the money had been applied to late charges. I then thanked her for being so kind and helpful but that I needed to speak to someone higher up. She transferred me. I didn't catch the name of the manager but I got the employee number of XXXX. This lady told me initially that the money was received and suspended so they could use it for the XXXX. But after I threatened getting an attorney she resubmitted all documents to the PMI department again.
On XXXX on my dashboard there was a misapplied funds reversal of {$100.00}.
On XXXX on my dashboard the {$100.00} XXXX fee was applied as a principal only payment. So I called customer service and spoke to XXXX. XXXX submitted a request for the XXXX fee to be removed from the principal only payment and moved to XXXX, and requested a manager call me asap. This same day I got online and sent a message through the portal asking why my XXXX fee was processed as a principal only payment.
On XXXX I received a secure message that they requested the XXXX fee be moved to the XXXX and to please give them 7 days for a member of their customer service department to contact me. This same day the funds were misapplied and reversed again, and put as a mortgage payment in the " other '' account again.
On XXXX I sent a secure message stating that it has been 7 days and I still do not have an appraisal for my PMI removal request. I received correspondence a few moments ago on XXXX stating that they have directed my inquiry to the customer service leadership.
|
| 04/25/2015 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
Servicemember |
|
My husband and I sought pre approval for a home loan. My husband is XXXX military and we are preparing for a move XXXX. I was encouraged to contact XXXX XXXX from Caliber Home Loans. He assured me the process would be quick and painless. I explained our current situation and what we were seeking. This began on Tuesday, XXXX XXXX. We received pre approval from XXXX XXXX on Friday, XXXX XXXX out of the corporate office in Texas because XXXX XXXX is not licensed in the state we are seeking a home loan. We were pre approved for {$280000.00} with a total loan amount of {$280000.00}. I received the pre approval letter via email from XXXX XXXX. However, my communications have almost been exclusively with XXXX XXXX. On that same day we asked XXXX if we could have an increase. I asked him if it was " doable '', and he said it was " doable ''. On Monday, XXXX XXXX we found a house that was actually already in our pre approval range for {$270000.00}. I contacted XXXX and asked that the letter specify that amount because we intended to make an offer. Everything went downhill from there. XXXX contacted me that night and told me that he was given incorrect information by XXXX ( XXXX denies this and has proven it by providing corresponding emails with XXXX that show that XXXX had all of the correct information ). We were then informed that the pre approval was not valid. For the past week we have been seeking some sort of response to fix this situation. Each day I am assured by XXXX that " the higher ups '' are handling this and they are working to fix it. Each day I am told that we will have an answer. I have provided all the documents and information they ask for including : XXXX, tax forms, pay stubs, student loan information, military XXXX, etc. On Thursday, XXXX XXXX I contacted XXXX XXXX, XXXX, based out of XXXX. He is XXXX XXXX 's boss. I explained my frustration that this situation still has not been rectified, and how frustrated I felt as a consumer that I did everything right, received a pre approval letter, and when we were seeking to put an offer on a house we then were informed they made a mistake. I feel as though they have intentionally dragged me along with promises of handling this with no intention of making this right. XXXX assured me after that conversation with XXXX that the process was rolling quickly and that I would have an answer the morning of Friday, XXXX XXXX. He said that we had been pre approved ( again ) for {$260000.00}, and they believed it would be increased because of the increase in pay that will be happening when we move cross country ( with documents that I provided ). He said they were going to sell it to the VA, and they would tell the VA that they would take responsibility for the loan because of the errors that Caliber Home Loans made in this situation. XXXX has been having these conversations with his boss, executives at Caliber Home Loans, underwriting at corporate, etc. I finally felt as though they were going to do what they kept promising. I heard nothing on that day. I continue to hear excuses and no real answers. I initially believed them when they said they were going to make this right, but I do not anymore. I simply want to be able to put an offer on a home that is within the amount they pre approved us for. At this point we have no home to move to in less than 49 days when we move based on military orders. We also have XXXX children, and I have stressed to XXXX how important it is to put a roof over our children 's heads and provide them a safe and loving environment. Caliber Home Loans have lied, deceived, dragged their feet, and shown how much they do not value the military and the service members who sacrifice everyday for this country. We would pay this loan every month. We take it seriously. It 's unfortunate that Caliber Home Loans does not.
|
| 04/07/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
To Whom it May Concern : We closed a Mortgage Loan with Caliber Loans on XX/XX/XXXX. Our initial closing date was XX/XX/XXXX. We have written a time line and can provide whatever documents that is needed as well as a Professional Witness to verify our claims. Our loan was F.H.A. We initially were trying to get Down Payment Assistance. Throughout the whole agonizing process, we never dropped the ball on our end with paperwork. We were told per our Loan Officer ( XXXX # XXXX ) that I could start my part time hours the following week since I was notified mid-week about the status change that was needed. So, I continued the week with the schedule. On XX/XX/XXXX, I submitted my check stub to verify employment. I was told at XXXX ( The Day before closing ) that The Underwriter sent our file to an investigating level due to me making more hours. Ultimately the decision was that we were committing Fraud and we can not get Down Payment Assistance PERIOD! ( It 's remarkable that the loan was approved at all if it was truly flagged for fraud ( flagged 3xs per XXXX ) ) When we asked XXXX why she told me I could work the hours, she carelessly said that the underwriter changed her mind ( changing mind sounds personal not professional ) so that 's why this was going on. ( After Closing I was told that The Down Payment assistance is done at the beginning of the process there was no reason my check stub should have prevented us from receiving Down Payment Assistance. This leads me to believe that our application was never submitted and the story about our file being flagged was just a way to prolong the strained situation. ) She gave no explanation or no apology to her misinforming me. She actually boasted " That she does not work for free that we are going to close '' " She also boasted that " She DOES NOT do the numbers, that going over them was a courtesy ''. We were completely misled about what to do during the process. I was verbally scolded by XXXX, apparently, my tone was too dry for her liking which that conversation ended with me hanging up. I was not going to argue with her. XXXX needs to understand that her fast talking is not a good trait to have and her answers are very important if she is unaware of the answer to a question it 's okay to get back with the Future Home Owner. Her misspeaking prevented us from getting down payment assistance, and made us lose my 4.3 % interest rate, and in turn we had to pay approx. XXXX to close. My realtor asked XXXX did we need to make an amendment for us to receive the XXXX that was promised by the Sellers in the contract she said no. The result of that was us only getting XXXX from the sellers, XXXX less than what was LEGALLY PROMISED and XXXX more that we had to pay. Also, the Underwriter supposedly went over my application more than once, it took the Title Company to find the discrepancy in the numbers and at the last minute we were told we had to bring an additional amount to the table. We did not go over any numbers until we sat at the table to close. The Title Company gave us the numbers. XXXX stated that " XXXX ( Realtor ) could go over the numbers she could n't she had to pick up her son ''. My Loan Officer did not give us that " LUXURY ''. We lived out of boxes for almost two weeks, I had utilities on at a home that I did not close on until a week later. My whole family was completely disadvantaged by the whole situation. I know things can change instantly in the real estate market but one thing should stay the same, Customer Service should never change. A potential Home Owner should be able to trust the Loan Officers Judgement and be comfortable with the info that is given we were not able to do either. It seemed like after we was out of contract they felt like we had to tolerate their ABUSE if we did n't want our time and money wasted.
|
| 10/18/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
IT IS MY ASSERTION, BASED ON THE FOLLOWING FACTUAL INFORMATION THAT CALIBER HOME LOANS VIOLATED MY RIGHTS AS A CONSUMER, BORROWER AND MORTGAGOR, VIOLATING THE COVENANTS IN GOOD FAITH AND FAIR DEALING, RESULTING IN LOSS OF MY CONTRACT.
1. On XXXX/XXXX/XXXX, I received a letter from Attorneys representing the original lender stating You are listed as a Borrower, but did not sign the Mortgage.
2. On XXXX/XXXX/XXXX, XXXX XXXX made the attached order to Reform Mortgage to include myself, XXXX XXXX, as Mortgagors and Borrower. This judgement allowed for me to discuss MY mortgage, apply for modification, using my current financial information, receive receive assistance from a HUD approved housing counselor and any/all foreclosure prevention and alternatives.
3. While XXXX, my services, exhibit bad-faith conduct in failing to properly consider an application for a loan modification, forcing me over the years to submit application after application, never receiving a definitive answer. Ultimately, having to seek the courts intervention to enjoin the mortgage. I was given a figure of {$1700.00} as a mortgage payment via court order on XXXX/XXXX/XXXX ( see attached court order ).
4. On XXXX/XXXX/XXXX correspondence was received from my servicer, XXXX, stating PMI s insurance is no longer required and there will be no further premiums or fees due. I repeatedly tried to contact XXXX to ask if I deduct this amount from the {$1700.00} and received no response.
5. On XXXX/XXXX/XXXX, correspondence was received regarding notice of SALE OF OWNERSHIP OF MORTGAGE LOAN from Caliber Home Loans , INC . The letter statedCALIBER IS THE SERVICER OF YOUR LOAN. The letter instructed that ; IF I MAKE A MONTHLY PAYMENT LESS THAN THE FULL AMOUNT THAT IT CALLED A PARTIAL PAYMENT. PARTIAL PAYMENTS WILL BE ACCEPTED AND REQUIRE THE SERVICER TO APPY THEM TO YOUR LOAN.
My partial payment of {$1400.00} was returned to me, making Calibers assertion of accepting partial payments and requiring the SERVICER to apply them to the loan FALSE AND MISLEADING.
6. I continually tried to contact Caliber Home Loans, to rectify the situation immediately. Calibers first response, not addressed to myself, stated that Caliber, is honoring my request to my SERVICER, to cease and desist communications. I never requested this of XXXX and Caliber offered no documents supporting the cease and desist.
7. On XXXX/XXXX/XXXX, I was finally able to contact a representative via telephone, from Caliber, who said while she unable to discuss my mortgage with me, stating I am not the BORROWER, she was referring me to customerresolutions @ caliberhomeloans regarding Caliber Home Loans, Inc, continued refusal to communicate with me regarding my mortgage and foreclosure alternatives.
8. 7. Correspondence was received via XXXX on XXXX/XXXX/XXXX from Caliber, stating a customer has the right to submit a written notice of ERROR to the SERVICER of their Mortgage 9. On XXXX/XXXX/XXXX, after the foreclosure, correspondence was received from Caliber, acknowledging receipt of my correspondence, and that Caliber would perform the necessary research and respond within the time period required by LAW.??
CALIBER FORECLOSED ON MY HOME WITHOUT PERFORMING THE NECESSARY RESEARCH AND RESPONDING AS REQUIRED BY LAW. ANOTHER FALSE AND MISLEADING STATEMENT.
Reasonableness should be shaped by identifying the " purposes of the contract, '' the parties expectations, and " community standards of honesty, decency, and reasonableness. '' CALIBER simply exercising the discretion to foreclose may be evidence of bad faith, while ignoring the COURT ORDER NAMING ME as both BORROWER AND MORTGAGOR, refusing communication, counseling, prevention and alternatives to foreclosure, resulting in loss on my contract and impending homelessness for myself and my sons.
|
| 05/09/2016 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
We received a letter dated XXXX XXXX, XXXX from XXXX XXXX XXXX that we met the criteria of applying for loan modification under DOJ National Mortgage Home Settlement as a result of a lawsuit filed against XXXX XXXX XXXX ( pls see exhibit A ). XXXX reaches comprehensive settlement with U.S. Dept. of Justice & State Attorneys General to resolve mortgage-related litigations & investigations. The settlement includes on the securitization, origination, sale & other specified conduct relating residential mortgage backed securities ( RMBS ) ( pls. see attached-Exhibit B ). In the SETTLEMENT, BORROWER RELIEF WILL BE IN THE FORM OF MORTGAGE MODIFICATIONS, INCLUDING FIRST-LIEN PRINCIPAL & FORBEARANCE FORGIVENESS & the CONSUMER RELIEF WILL BE SUBJECT TO OVERSIGHT BY AN INDEPENDENT MONITOR.
And so we submitted a completed loan package to XXXX on XXXX XXXX, XXXX under the Dept of Justice National Home Mortgage Settlement review ( pls see detailed DIARY LOG ). But on XXXX XXXX, XXXX, we received a call from XXXX that our loan has been transferred to Caliber Home Loan. On XXXX XXXX, XXXX, we received via fedex a letter of approval of home modification from XXXX. The trial payment was higher than before and the income used was grossly miscalculated. From XXXX XXXX, I have tried to called XXXX but I could not hold of my CRM. And finally on XXXX XXXX, XXXX, I was able to get hold of rep from XXXX, but she has told me that I should write an appeal to Caliber Home Loan, since loan has been transferred to them. I told XXXX rep XXXX that in XXXX website, if the clients are part of DOJ National Mortgage settlement, and even if the account is transferred, XXXX should assist. She said that she 's not aware of that. And the next day that note from XXXX FQA disappeared.
And so the nightmare begins with Caliber Home Loan on XXXX XXXX, XXXX. Again, please see attached DIARY LOG. Caliber home loan representatives have given me the run around. I have to re-fax all the documentations over and over again for 3 months until XXXX XXXX, XXXX until my loan modification was denied due to incomplete documentations WHICH IS NOT TRUE. I have complied to every request and re-fax necessary documentations. Caliber HL responded that they have sent me letter of missing documents IN WHICH I DID NOT RECEIVE. I ALWAYS CALLED CALIBER HOME LOAN WHAT DOCUMENTATIONS ARE MISSING AND RE-FAX THE NECESSARY DOCUMENTATIONS. IT TOOK 3 MONTHS BEFORE THEY SAID it 's denied.
On XXXX XXXX, XXXX, we were reviewed again for in-house mod, and Caliber HL denied the modification due to house has equity. I submitted a letter of appeal and while on appeal, Caliber Home Loans filed an NOD which is a clear violation of CA Bill of Homeowners ' right. We re-applied another loan mod & submitted everything on XXXX XXXX. When I called on XXXX, per XXXX ID # XXXX, they received all XXXX pages. They received everything in 1 day when in the past it took 3 months before they finally said they had everything. Something was not right. True enough, we got denied again, and incomes were wrong. When I told the rep that they were wrong, he said it does not matter, for incomes are irrelevant, for we are going to be denied anyways due to the fact that house has an equity already. This is truly an UNFAIR LABOR PRACTICE of CALIBER HOME LOANS. They are to foreclose the property just because there 's already an equity of the house. We have been trying to get mod with XXXX since XXXX when the market was down and now that there 's an equity of the house, we are being denied. Where 's justice? Was it our fault that the mod has been dragged for 6 years plus, and now that there 's equity, it can not be modified? There 's so much greed in such a way that they 're hurting consumers like us. We need help please from federal govt. Little people like us can not fight them.
|
| 10/26/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My mortgage was transferred from XXXX XXXX XXXX to Caliber on or about XXXX 2015. I called Caliber XX/XX/XXXX to make a payment and they advised me that they did not have my loan in their system yet and they would send me a welcome letter as soon as they did and not to worry about making the payment in XXXX of 2015. My fist payment with Caliber was made on XXXX XXXX, 2015, the next three were made on XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015 ( on these dates the funds were taken out of my checking account - see attached ).
I received a statement for XXXX 2015 wherein they stated that I owed {$18000.00} in arrears. My husband, XXXX XXXX called Caliber to tell them they made a mistake as we had been making payments to XXXX XXXX XXXX without missing a month and Caliber offered to review me for a mortgage modification even though we were not behind in our payments. The Caliber representative refused to listen to my husband who at that point got so frustrated that he agreed to a modification. Caliber e-mailed us the application which we never filled out nor sent it to Caliber for review since we were promised that they were going to look into the payments to see which payments were not credited to my account as they could not tell us what months were missing.
I called Caliber on or about Tuesday, XXXX XXXX, 2015 and spoke to XXXX, ID # XXXX to inquire about if they found the missing payments and XXXX advised me that before they could look into the account, I had to bring it current and pay the {$18000.00}. I had advised XXXX that they were supposed to be locating the missing payments to be credited to my account and she advised me that my modification request was denied. How in the world can they deny something that was never submitted. She went on to tell me that my husband admitted to having missed 3 mortgage payments which was a total lie as my husband admitted to having not paid the XX/XX/XXXX mortgage upon their suggestion. I was advised to e-mail supporting documents to show the payments were made and I submitted XXXX checks remitted by XXXX XXXX XXXX and my checking account transaction history showing 4 more payments made to Caliber. I called again on XX/XX/XXXX to find out if they had received the documents and I again was advised by XXXX, ID # XXXX that unless I brought my account current, they could not look into their mistake. I advised her I did not have the {$18000.00} to pay and asked her why should I pay if I am not behind on my payments and she went on to tell me that unless I paid, foreclosure actions would commence against me on XXXX XXXX, 2015 and that I can make a payment even though my XXXX 2015 payment was returned which according to XXXX, should not have been returned.
On XXXX XXXX, 2015 a representative from Caliber called my husband again looking for the full payment and when my husband stated that I was taking care of it and that I am in communication with Caliber, the representative denied that anyone called to speak to them about the account.
The total ineptitude of Caliber representatives are jeopardizing my credit, my mortgage and my home. I had advised XXXX to locate a mortgage statement from XXXX XXXX XXXX and she did, she stated that it did not read like theirs therefore she could not tell what was due. Looking at the same statement which read " amount due {$2600.00} '' she could not admit that the account was current because she " could not understand the statement. '' I could understand why people get so frustrated in dealing with the banks that they would be willing to do anything to save their homes and do everything the representatives suggest, even though they are wrong. I asked both, XXXX and XXXX if they were recording the phone call and they both confirmed they were. A copy of the conversations should be obtained by CFPB.
|
| 04/13/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My account was sold to Caliber Home Loans from XXXX XXXX around XXXX of 2014. My payments were automatically deducted from my bank account each month on time. There was never any concern by having it set up this way, and never any issue with the payment being automatically sent to Caliber Home Loans. Interest rates began to drop around XXXX of 2014 and I tried refinancing the loan. The company I worked with on the refi had me call Caliber to retrieve the final payoff amount on the loan. During this phone call I mentioned I was doing this to refinance the loan for a better interest rate. From that day, working with Caliber has been a nightmare, they are doing everything they can to prevent me from refinancing and leaving their company. It started with them claiming payments were never received, remember they are automatically sent from my bank account and never a problem before. Here is what they do, they wait until after the 30 day mark to tell me they never received the payment so I have no time to re issue a payment then, they report me 30 day late to the credit bureau. I call them to disbute and they end up agreeing with me then going and removing the 30 day late from my credit but it takes another month to clear. And by this time they " lose '' the following months payment and the cycle never ends. So every month I am falsely reported to the credit company then they remove it but I am delayed from refinancing. It is now XXXX and I have been trying to refinance since XXXX. In XXXX they refused to disperse my taxes to my county tax collector. My taxes are included in my mortgage each month and I rely on Caliber to be responsible to send the payment in. They were did not pay it until the XXXX of XXXX when they were due on the XXXX. I began receiving late notices in the mail from my county tax collector. The payment issue has gotten so bad every month that I now make all payment to a supervisor over the phone in person, ( XXXX XXXX ) they charge me {$15.00} to do this, I give them direct bank routing and account numbers and they give me a confirmation number, then after that 30 day mark they report me to the credit bureau for never making a payment. I called the bank to see if there was an error and the bank said there was never any attempt to withdraw funds from that account. So Caliber is intentionally losing payment, falsely reporting me to the credit agencies, and refusing me the right to refinance my home which I do have a right to do. I looked online and there are hundreds of people with their very similar stories. XXXX not letting them refinance, losing payments, false reportings, and refusal to call back, return emails, and cant get to a supervisor to discuss the issue. People have sued this company because of the stress they have caused them. I have a young family and dealing with these people has been an unbearable stress on us. In addition XXXX is hitting us with endless notices in the mail about what to do when facing forclosure. Non stop notices that are simple letters in ordinary envelopes but they send them through a delivery service so I have to sign for them, well I work full time. I am a teacher and I can not be home to sign for mail. I worked this out and the letter was just a notification, no need for me to sign anything. My account is totally current despite having to send multiple payments each month, their dishonest business tactics, harassing letters of foreclosure and determination to take my right of being able to refinance away from me. I am seeking legal help and I do want compensation from these people. I encourage you to look up their customer service rating and reviews online, there are even former employees who say they had to quit because of how dishonest they are, how they trick people into losing their homes. These people are criminals.
|
| 08/17/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I am an XXXX male. I purchased a Condominium unit in XXXX, FL in a project called XXXX XXXX, on XXXX XXXX, 2008. I purchased the condo based upon the following statements made to me by the XXXX XXXX XXXX Loan Officer : 1.That XXXX XXXX was a luxury condominium whose values would only go up.2. The condo market was strong in XXXX, and I would have no problem finding tenants to rent the unit.3. He wanted to make it easy for me to buy the unit, so the loans were processed using " stated '' income. I tried to give my income documents to the loan officer but they were refused. He said that I could more than afford to repay the proposed mortgage.4. I could refinance the loan to recoup my down-payment {$100000.00} investment, lower my rate and payments - he would handle it all for me. After closing on the Condo, the value began to drop significantly. I was required to repay the mortgages on my own. I soon discovered that my earnings were not sufficient to repay the mortgage debt I had assumed. I spoke with some of the unit purchasers and several told me that the developers had attempted to keep the prices of the units up, artificially by having straw purchasers buy units at above- market prices. Once this activity stopped the value of the unit dropped, became consistent with the values of the local condo market. My transaction was examined by a Mortgage Expert who found the following issues : 1. My income was over-stated on the loan application by {$1000.00} per month.2. My Back Debt Ratio totaled XXXX %. My monthly debts exceeded my monthly income by $ XXXX. Even using the lender 's overstated income figure, my back debt ratio totaled XXXX %. The lender knowingly placed me in a loans that I could not afford to repay, based upon my earnings.3. The value of one unit dropped to {$150000.00}, almost immediately, and I found myself to be seriously under-water on condo. As the condo-project was undersold, the Association was under-funded. My monthly association dues sky-rocketed. In an effort to keep from losing the down-payment I made, I used my savings and retirement funds to pay the mortgage. I exhausted all of my savings and the loan is now in default. The Bank will not modify or refinance the loans due to the huge decline in value. I have applied several times for modification with XXXX XXXX XXXX and Caliber Home Loan and have received the run around. I have submitted documents again and again and have been denied for one reason or the other. I was in the middle of modification when XXXX XXXX XXXX sold the loan to Caliber Home Loan. So I tried to get modification through them. Both banks have no one point of contact and after submitting documents we get no response just foreclosure notice. Caliber Home Loan took all modification documents and said our loan is in modification documents and we will hear from them soon. But after a month we received denial letter for no specific reason along with foreclosure notice. There is no one person contact with Caliber Home Loans and representatives are rude to me and my family. They call odd hours for collection on the loan and hares me and my family with hate words. Also the unpaid balance on the loan is incorrect and in dispute with Caliber Home Loan. Bank increased my payment from {$2300.00} per month to over {$4600.00} per month even the loan is a fixed rate that was the reason for me falling behind because they miscalculated the escrow. XXXX XXXX XXXX also heaped fees & penalties upon me. I am under threat of losing my property and my Hard Earned {$100000.00} down Payment. I believe that both XXXX XXXX XXXX the original lender and my mortgage Caliber Home Loan Servicing regarded me as a " target of opportunity '' due to my National Origin & have both treated me in a manner that has been discriminatory and financially harmful to me.
|
| 03/18/2016 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
On XXXX/XXXX/XXXX, I received a modification of my mortgage from XXXX Mortgage based on a medical hardship. I was approved for a loan modification under the Home Affordable Modification Program. New trial payment was to be {$810.00}. The first payment under this modification plan was due on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, the loan was transferred from XXXX to Vericrest Financial. On XXXX/XXXX/XXXX I received notification from XXXX that the loan was transferred to Vericrest Financial and that all my payments should be made directly to them.
On XXXX/XXXX/XXXX, I attempted to make my first to make my first ( 1st ) trial payment & I was told Vericrest Financial had no record of my modification or new payment from XXXX. I was advised that not all files have been updated into the Vericrest Financial computer system and was advised to fax over my approval letter. I faxed the approval letter on XXXX/XXXX/XXXX to the attention of XXXX or XXXX, Modification Department. Fax number XXXX and XXXX XXXX/XXXX/XXXX I tried to make not only the 1st trial payment but I tried to make the 2nd trial payment and was told again, that there was, no record of modification from XXXX. My payments were denied and returned. Unfortunately, in XXXX.
XXXX I was told by XXXX ( ID XXXX ) that I needed to resubmit a whole new modification packet to Caliber Home Loans. After numerous packets faxed, mailed and /or uploaded to Caliber Home Loans website and months go by, I received a modification in XXXX, XXXX. Because accrual of late fees, interest and expenses, the amount of the modification was well above what I was offered by XXXX prior to XXXX transfer of my loan to Caliber. I made all XXXX of this new payment and continued until it was impossible to continue with this high payment. Because of my medical condition and hoping for a different outcome, I once again started a modification packet before I fall too far behind in payments. I contacted Caliber immediately in an attempt to explain the situation and once again attempt a modification. I have again done everything Caliber has asked and again. I have submitted package after package to Caliber and have been told on numerous occasions that they need more information because of their inability to review the package timely. They continue to ask for updated information that would have been current if they reviewed the package when it is submitted. However, because of their lack of review when the package is received, the documents become stale & a whole new package needs to be submitted. It is extremely frustrating & there is no XXXX single person that is willing to assist.
Caliber eventually began foreclosure proceedings and I requested mediation.
After hearing the story and showing the correspondence regarding the prior modification approval from XXXX and then the unwillingness of Caliber to honor that modification amount, the Administrative Law Judge continued the mediation and the foreclosure stay was not lifted. I was given the opportunity to submit a complete package & come back to mediation to discuss it again. I did everything timely & a complete package was submitted. We again went to mediation and we were told at mediation, by a representative from Caliber, that the package was complete and that it would be reviewed by an underwriter. This was confirmed by the attorney for Caliber both before and after mediation. After the mediation was closed, a few days later I was advised again by Caliber that they did n't have all my paperwork and that I had to submit new paperwork. Caliber continued to give me the run around from when they began servicing my loan, the fees, interest and late charges have accrued to such a large amount that the debt has reached a staggering level. I have been attempting to work with Caliber on this for two years.
|
| 06/23/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
To Whom It May Concern, I am filing this complaint against my servicer because they have failed to comply with my Qualified Written Requests. With all the recent news and fines imposed upon various lenders and banks, I am certain that we are victims of a faulty " mortgage-backed securities loan ''. My servicer has not complied with Federal or State law, specifically California Homeowner 's Bill of Rights ( HBOR ). Under this newly enacted law, it prohibits beneficiaries or servicers from recording robosigned documents on all mortgage-related notices of default, notices of sale, assignments of deed of trust, and substitutions of trustee, recorded in connection with a nonjudicial foreclosure, as well as declarations filed in court with respect to any foreclosure proceeding. The law further states that documents must be accurate, complete and supported by competent and relevant evidence. My servicer has failed to demonstrate that the foreclosure documents recorded against our property supports their ability and/or authority to proceed with a foreclosure. We are certain that the recorded documents recorded against our property are not accurate and are robosigned. This is in direct violation of the law. HBOR mandates that before recording or filing any mortgage-related document that it must be competent and reliable to substantiate the borrower 's default and the right to foreclose, including the borrower 's loan status and loan information. Unfortunately for us, our loan has been transferred in the last year. We are certain that our current servicer is in violation of Civil Codes 2924.17 and 2924 ( a ) ( 6 ). We have no idea who the present beneficiary is of our debt obligation is. Who my servicer tells me is the beneficiary does not coincide the data we have gathered through an audit of our debt obligation. It is our belief that the Assignments of Deed of Trust recorded against our property are a complete fabrication of the truth. Despite a recent ruling that stated homeowners could challenge assignments recorded against their properties, the California courts repeatedly rule that we do n't and choose to rely on other case law. Since when does case law take priority State law? The notion that homeowners can not challenge assignments of deed of trust recorded against their property is just unconscious. We as homeowners and tax payers and not getting our due justice. It is a well-known fact that these banks have been fined millions, even billions of dollars for faulty mortgage-backed securities. If these lenders and servicers are having to pay fines for their wrong doings, how is that we as homeowners are getting slammed and rejected in court? It just makes no sense and it is a complete injustice. There have been new laws put in place to further protect homeowners against wrongful foreclosure, and yet the courts choose to ignore them and us. I felt it necessary to file this complaint to exercise our rights to find out who truly is the beneficiary of our debt obligation. We are seeking the assistance of the Consumer Financial Bureau because the courts are favoring the lenders and banks and the recorded documents against our property are in direct conflict with the audit we obtained on our property. We need your assistance in informing our servicer to cease and desist with any further action against our property, including with proceeding with a foreclosure on my home scheduled for XX/XX/XXXX, until these matters are resolved. The Assignment recorded in XXXX of this year recorded against our property is not consistent with what our audit has revealed. It does n't even coincide with the Assignment that was recorded back in XX/XX/XXXX which was executed by MERS. The Assignment recorded in XXXX was executed by Caliber. This demonstrates a complete fabrication of the truth.
|
| 05/05/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
In XXXX, my mortgage server was XXXX XXXX. They sent me literature on the XXXX modification program, I filled out the application and was approved for a modification. My payments were {$1500.00} a month and was reduced by {$250.00} dollars. I successfully paid on time per the guidelines on the modification. Six months later, I received a letter from XXXX XXXX stating that my modification was denied for a permanent modification, and the reason i was denied was because my monthly income exceeded the guidelines. Then, XXXX XXXX sent me a letter indicating that my payments that were made during the modification were considered 'incomplete '. I was charged late fees, penalties, etc. A week later I received another letter from XXXX XXXX demanding that I pay the amount owed during the modification trial period, which exceeded {$5000.00} dollars. I reached out to XXXX XXXX and asked them to work with me. Unfortunately, I was informed that there was nothing XXXX XXXX could do for me. I then reached out to an attorney, XXXX XXXX, and inquired an alternative to foreclosure. XXXX XXXX, explained to me to reach out to the Lost Mitigation Department at XXXX XXXX. To see if there was anyway they could work out a plan with me to repay my debt. Which I did, to no avail. I then recontacted XXXX XXXX and explained the situation to him. XXXX suggested that I file a Chapter XXXX Bankruptcy, which would put a hold on my foreclosure and give me an opportunity to repay my dept to XXXX XXXX over a five year period. I filed for Chapter XXXX Bankruptcy in XXXX. My payments were {$420.00} a month which i successfully completed over the five year period. However, during that five year period I fell upon a hardship and lost my job, which caused me to make partial payments to XXXX XXXX during the five year course of the Bankruptcy. However, I made all my payments on time to my trustee. During the bankruptcy I was in contact with my attorney in regards to my situation.
In XXXX, XXXX XXXX transferred my mortgage to Caliber Home Loans and I was notified by mail of the transfer of my mortgage. I then received a welcome letter from Caliber informing me that my mortgage payments should be mailed directly to Caliber after the XXXX of XXXX. I reached out to Caliber respectfully requesting my mortgage coupons so I could make my payments in a timely matter. Caliber Home Loans never sent me my mortgage coupons. A week later, Caliber started the foreclosure process on my home. I then reached out to the XXXX XXXX and I was directed to a company called XXXX. XXXX submitted a modification to Caliber in XXXX of XXXX. I was in contact with XXXX and Caliber Home Loans in regards to my modification application. Caliber informed me that they never received my application from XXXX. I then reached out again to XXXX and explained to the counselor that Caliber informed me that they never received the application. Shortly after my conversation with XXXX the XXXX resubmitted my application. I followed the instructions that were given to me and stayed in direct contact with Caliber Home Loans as well as XXXX. During that time I was employed and my application for modification was denied once again because my income was 'too much '. XXXX XXXX XXXX I lost my job. In XXXX I started receiving my unemployment benefits. I stayed in contact with Caliber the whole time that my mortgage was in their hands. In XXXX XXXX, I spoke to an agent from caliber and explained my situation again. I still did not receive my coupons from Caliber. I was then informed to submit a letter and request Caliber to send me my mortgage coupons, so i could start making my payments. I have records of Caliber receiving all the documentation. Now I 'm in contact with a certified XXXX councilor in an attempt to resolve this issue and save my home.
|
| 06/15/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
To start with, this is not a matter of me not being able to pay my mortgage and falling behind. I 've spent over {$12000.00} to date in my lawsuit against the illegally assigned substitute trustee that attempted to wrongfully foreclose on me. All because Caliber Home Loans refused to work towards loss mitigation. It has become very clear that Caliber aggressively pursued foreclosure as a preference over any attempts at loss mitigation.
Caliber Home Loans has systematically been part of an ongoing attempt to commit fraud by stealing my home via illegal means. I do not owe them what they say I owe them. I maintain that my mortgage note was satisfied in full by previous investors.
Attempts to foreclose on my home have been fraudulent, illegal and without authority or merit. Evidence exists from document manufacturing and robo-signing, to illegally/allegedly securitizing my mortgage into a non-existent trust. Then attempting to use an illegally/improperly assigned substitute trustee to foreclose. When I did the research and hired a lawyer to sue the improper sub-trustee, I found out that the alleged trustee for the alleged trust ( which does not exist ) says my note does not exist and they do not have any interest in the mortgage note.
Regardless of popular belief In Texas you have to produce the note per the Texas XXXX. Other lawsuits based on producing the note have failed because none of them plead the clauses in the XXXX. Caliber Home Loans, their alleged ( yet illegally assigned ) sub-trustee XXXX, and the alleged Trustee for the Trust that Caliber claims holds my note are all unable to provide proof that my note is in their possession. In fact the Trustee for the alleged trust says it does not exist and that Caliber Home Loans as servicer is solely responsible for what is happening.
My note was illegally moved into a non-existent trust. Along with this Caliber is on record multiple times lying to me about my foreclosure via phone. The substitute trustee also illegally tried to foreclose using illegal documents.
Issues of note are ( but not limited to ) the following : There is proof illegal filings of sub-trustees.
There is proof that the illegal sub-trustee attempted to illegally foreclose on my home without following proper time-lines in outlined by law ( regarding note acceleration and foreclosure sale ).
There is proof of multiple cases of a conflict of interest in filings.
There is proof of robo-signing/fraudulent signatures regarding foreclosure procedures and trustee assignments.
There are definite red flags that document manufacturing has happened.
There is proof that the alleged Trust that my note was securitized into is a false and non-existent trust.
There is proof that even if the alleged trust exists, that my note was allegedly transferred to it illegally via back-dating and document manufacturing.
There is proof that I 'm suing the alleged substitute-trustee that attempted to illegally foreclose on my home.
There is proof that my mortgage title is clouded.
Since Caliber is fraudulently trying to collect on this mortgage, and they are reporting this information to the credit bureaus, they are in violation of the FDCPA and the FCRA.
CRA 's that I owe them, and even though I 'm involved in a lawsuit regarding the very validity of an I maintain that I do not owe Caliber a single penny. I maintain that my note was fully satisfied in previous transactions and am currently engaged in a lawsuit to prove as much.
As documented proof, please see the attached current petition to the court where I am suing the substitute trustee. I 'm also attaching a Chain of Title Assessment report that sheds additional light on the issues I raise. I 'm also attaching previous CFPB complaints because they too shed additional light on this issue.
|
| 03/07/2017 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
Caliber Home Loans : The New XXXX. Lying to customers to force them into financial suicide.
Caliber home loans is guiding people into FHA mortgages and setting them up for financial suicide. This is a report being filed on behalf of more than one person, all close friends and referrals to Caliber, who have experienced XXXX XXXX, ( XXXX # : XXXX / State Lic # XXXX ) misleading customers into mortgages they can not afford. She and her staff, backed by the Corporate Caliber, are setting people up for failure. She and her staff, guided by senior management ; XXXX XXXX, XXXX XXXX ( XXXX 's Husband ), and others at Caliber to push the approvals and final documents off to the last minute before closings to force the hand of the buyer to have to take what has been presented.
In my, and XXXX others cases, XXXX XXXX guided us into FHA mortgages. For various reasons, we were told FHA mortgage was the " ONLY '' option. These FHA fees are stacked on top of the monthly payments and are not able to be written off as tax liability either. Caliber Home Loans said, " Just sign the documents and in six months to a year you can refinance and l lower your payment, $ XXXX- {$500.00} per month. '' On top of this, at the time of my purchase, I was told that I had to go with an FHA mortgage because of student loans. I have perfect credit, lots of income, and I put down over {$150000.00}. This was based on the deferment of the student loans for a year, a {$600.00} per month payment. Caliber Home Loans and XXXX XXXX knew that the payment was pushing my financial limited, but being promised that the payment would be lowered with refinancing in a year, the mentioned amount, the payment would basically be the same.
All this is no longer true. Caliber home loans has truly operated in a manner to be the most predatory of predatory lenders and worse than XXXX who ripped off millions of American and set up the financial failures of XX/XX/XXXX-XX/XX/XXXX. They knowing applied my {$150000.00} to set me up for failure with the hopes of me and those I have mentioned ( XXXX others ) to default on the mortgage to gain my equity and additional profits. These activities can be found in numerous other complaints across the internet.
When XXXX XXXX was called back to " Refinance '' she was completely unavailable and unwilling to even look at the mortgage and lower the payment as promised. She was originally contacted in XX/XX/XXXX, over a year after making all payments on time and still with 100 % perfect credit and she refused to help. She was contacted and then led me on for months on end and beyond the point of rates going up in XX/XX/XXXX. She then become very politically driven to blame " Trump '' for why I could not refinance and why rates went up. This was less than days after his inauguration. Since then, her boss, XXXX XXXX ( XXXX # : XXXX / State Lic # XXXX XXXX got involved. She was the most unprofessional person I have dealt with. XXXX actually emailed me and said, " You need to learn some patience, '' when asked to help move things forward. As the unbelievable arrogance persisted I asked to speak to their boss. I found out that XXXX XXXX is their boss, and XXXX 's husband. I then reached out beyond XXXX to XXXX XXXX, who has chosen to also act untouchable replying to emails asking for help with the response of, " Cute ''. All have failed to help or even discuss refinancing. Quite the latter, their " Customer resolution department '' has been XXXX dialing me with auto dialers and staff who have been even more arrogant in their responses and even more rude. It is apparent that Caliber Home Loans is the most unprofessional group from end to end.
With no end in sight and to have been completely misled has force me to begin search for a resolution. All have refused to help.
|
| 08/06/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I refinance through XXXX XXXX XXXX, they sold my mortgage to Caliber Home loans in XX/XX/2018 my XXXX payment was Made in XX/XX/2018 I received my property taxes and realized Caliber had not included my fall taxes on a parcel I have which was to be included. I faxed the information at least twice uploaded to my docs which they had requested twice, had numerous email and phone calls. Was even told it was paid at XXXX point in XXXX I received notification from XXXX county courthouse if my taxes were not paid I would risk losing my property to foreclose i made XXXX more calls theast time threatening to refinance because I had received a escrow analysis stating my payment was increasing from {$880.00} to {$1100.00}. I was assured the taxes would be paid and Id be reimbursed any difference due to the taxes not having been paid when I wood have got the fall discount, when my other taxes were paid. I again spoke with someone from escrow about my taxes because I knew they had not increased and they assured me it was correct and the loan officer at XXXX XXXX XXXX had not reported the correct amount and that was why my account was short and payment increased. I then contacted XXXX XXXX and she assured me that the acct information she provided was correct as XXXX people review it. We then discussed refinancing. I then in the end of XXXX due to having my credit run because I was going to refinance received an offer from Caliber about an FHA refi through them so I spoke with a loan officer in their department who told me there was no way my takes went up that much it was not possible as they had last told me. So again I called the escrow department this time spent almost XXXX minutes trying to explain how they had to have something wrong the gentleman argued with me and said he reviewed it all with his boss and it was correct, after hanging up, i again review my escrow analysis statement and went to the county website punched the tax parcel numbers paid and discovered they had paid my sister who lives beside me with a completely different last name taxes. I the next day contacted Caliber again giving them the tax parcel number that were correct and my sisters, and was assured it would be taken care of by XX/XX/XXXX at the latest, I called again to talk to customer service because the tax department couldnt address the tax from he fall that was paid and I didnt receive credit even though I was promised I would be for it not being paid in XXXX and received foreclosure letters. The woman stated she could see I made several attempts to provide all the information they needed starting in XXXX when i realized it was not paid & it would be escalated also to provide me with the difference. She also told me to call and check on the status. I made several calls being told each time there was no determination. I have had to pay to payments at the increased amount even though Caliber acknowledges they have the wrong parcel. I called in the weekend and was offered no explanation as to why it has not been fixed even though it was given a date if XX/XX/XXXX, I called today and was basically told Im not getting refunded for the fall tax even though I supplied the information to be paid at the discount rate and that I needed to provide them with more information regarding the tax parcel that is mine so they can verify theyre paying the wrong taxes ( my sisters ). I have provided them this information several times and found this mix up which they wouldnt even acknowledge when I asked on my own. I do not feel it is my responsibility to continue to give them the information I already have. I also was told today its not a big deal because I will get my money back, unfortunately it is a struggle to come up with the difference and Im at risk for falling behind on other debt.
|
| 04/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Caliber approved me for a modification right before Covid and sent out a modification for me to sign during that conversation I raised concerns as to why it was higher than my actual mortgage if the intent was to help me and I was told that the interest rates had gone up. I was willing to sign and do whatever I needed to do to save my home. However, during that conversation I was advised about the forbearance being offered and what would happen if I signed the modification. I was told that if I SIGNED the modification I would not be able to take the forbearance. This concerned me because by not signing the modification and resuming payments this would lead to me into further debt, but not knowing what to expect with Covid I didn't want to risk losing my home if I were to get sick and not pay the modified mortgage. I then asked will I still be able to qualify for a modification down the line if I take the forbearance and I was told Caliber is here to assist you and yes you will be able modify the mortgage after the forbearance. I said are you sure, and she said yes and then went on to say I have seen homeowners in a worse situation and Caliber was able to help. This made me feel very comfortable. I was told that I could take the forbearance up to a year, although that was not my plan. I took the forbearance for 4 months and then turned in a full modification packet and was told I would be notified in 30 days. On the 33rd day I called to find out what happen and was advised that my loan was sold, I was devastated. How could they reassure me they were going to assist me and then sell my loan after accepting my application.
When the new mortgage company received my loan they told me that there was no modification on my behalf transferred from Caliber. Caliber denied that and said they sent it. 2 months later XXXX XXXX company reached out to Caliber and was able to get the completed modification. After review XXXX denied the modification saying my monthly income was XXXX a month and it wasn't enough to afford the new terms.. I was sick and in disbelief, because I knew that was not correct that was definitely not the info I uploaded to Caliber. My loan is XXXX a month and I would never be able to survive or feed my kids on that income. I then realized that I had a modification sent in prior to the most recent one that was denied and it was due to me putting income in the wrong spot. The XXXX was the amount that was put on that application in the monthly income by mistake. I had a single point of contact who assisted me with the l new one to ensure it was correct, so Caliber sent over an old modification to XXXX XXXX. I called Caliber to see why and what happen and they were all so rude and said we are not your mortgage company anymore you have to talk to XXXX about this matter. I was so upset and said this is your way of ensuring me that you would assist me in anyway. They just disregarded me and sent me on my way in the worse condition after all of the reassurance they gave and now will not even help me to ensure that the proper paperwork was sent. I was told by a Caliber supervisor who was very short and had no regard for my situation and tried to rushed me off the phone as you will hear in the conversation. In the end I was told that they would send me copies of my paperwork but that does not help because I need to know if they sent an old modification on my behalf which is causing me to go into foreclosure. I cant understand How XXXX would get the numbers for my monthly income that I put on my prior application that was filled out wrong. That is not an amount they can pull out of their hat an that is the exact amount I used on my old application. The new one is something like XXXX, which is more than half of what they reported to XXXX.
|
| 05/24/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I submitted payment of {$3400.00} on X/XX/2017 after receiving a notification of an escrow analysis dated X/XX/2017 t hat my payments would adjust to {$1100.00} from {$710.00}, if I permitted the shortage amount to be financed over 12 months. If, however, I determined to pay the shortage amount of {$3400.00} in full, then my payments would adjust to {$900.00}, effec tive X/X/2017 . When I viewed my account online, it was clear to me that my escrow shortage payment had been applied as " future payments '' and that my account was still showing an escrow shortage. Accordingly, my payments were not being recognized in the manner that I had designated and the new payment amount had adjusted as though no escrow shortage payment was made. I immediately contacted Caliber Home loans in XX/XX/XXXX , a nd was assured that the matter had been handled. I made my regularly scheduled payment of {$810.00} ( {$1 00.00} over the minimum ) and sent in an additional payment {$91.00}, totaling {$900.00} on XXXX XXXX , 2017 to reflect the newly adjusted amount. Despite making that phone call and receiving assurances from Caliber in XX/XX/XXXX , I received a letter dated XXXX XXXX 2017, advising that {$900.00} was " past due '' on my account, and that they were a " debt collector '' attempting to collect a debt. Apparently, my XXXX payments ( {$810.00} + {$91.0 0} ) were also incorrectly applied. I contacted Caliber at XXXX XXXX . on X/XX/2017 a nd spoke with XXXX ( XXXX ) who indicated that she noted several errors on the account, and that she was going to speak with a manager and contact me later today as it would take too long for me to hold. I supplied her with my office number. Hearing nothing from anyone, I contacted Caliber again o n X/XX/2017 at XXXX XXXX and spoke with XXXX ( XXXX ) and his first question to me was that I have an outstanding balance on my account in the amount of {$930.00} and how do I wish to handle it? It is not clear why the {$900.00} is now showing as {$930.00}, but I knew that their accounting is erroneous. I asked if there were any notes on my account as I spoke with an agent earlier and am disputing that I owe Caliber anything else. I have never been delinquent on any of my consumer accounts and I am extremely disappointed and distressed that it has taken this long to apply my escrow shortage payment accurately. The only solution that XXXX offered was that they needed to " re-run an escrow analysis effective X/XX/2017 . ' ' I thought that this was highly unusual since an escrow analysis on my account was just run on X/XX/2017 . I asked to sp eak with a manager and XXXX advised that " both managers were in a meeting. '' He then advised that his manager, XXXX , was in a meeting. I requested that my account be reviewed by management, and that an update be supplied me by e-mail, along with notification in my Caliber portal. I also requested that a letter of apology be sent to me, and that I receive verification that no negative credit information has been reported on my account to any credit bureaus. I advised that if this matter was not resolved accurately, and favorably, I would contact the Consumer Financial Protection Bureau as my credit is something I value highly and it should not have to suffer any negative marks based on errors in their reporting systems. I have not received any type of acknowledgment from Caliber Home Loans and no messages in my portal ; therefore, I thought it important to notify CFPB immediately as I have worked extremely hard to have an XXXX XXXX rating and can not afford to have the sloppy practices of Caliber Home Loans and its representatives to destroy my excellent credit history.
|
| 10/14/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
This is a letter I recently sent to Caliber Home Loans : To Caliber Home Loans, This is a formal request to continue the foreclosure proceedings on my home until XX/XX/XXXX. I feel my request is a valid one for the following reasons. The approval of the modification of my loan relies on my being able to meet the financial requirements. As noted in my previous request, I was in an auto accident on XX/XX/XXXX and injuries I sustained prevented me from working as an XXXX for for XXXX weeks. Despite having been working since XX/XX/XXXX and averaging over {$2000.00} per month, my income for XX/XX/XXXX to XX/XX/XXXX averaged less than {$800.00} per month. This reduced income for that time period does not accurately reflect my overall earnings. When I returned to work, I made {$2200.00} for XX/XX/XXXX ... not counting tips. With my rental income of {$1000.00} per month and my social security of {$1100.00} added to my real monthly earnings, I easily qualify for the modification. I have one opportunity for approval and I do n't want to chance it being denied because of these circumstances.
Prior to Caliber Home Loans acquiring my loan XX/XX/XXXX, I had just submitted a modification package to XXXX XXXX Loans. To be candid, I found them to be a nightmare to work with in the nearly year I spent trying to get my loan modified but that 's a different issue which I 'll be contacting XXXX mortgage. I will also be filing a complaint with the North Carolina Banking Commission. This is the advice I received from my attorney. But at this time this does not involve Caliber Home Loans. However, I have received different information from your representatives. After the accident, I was told to submit my XXXX pay records from XX/XX/XXXX which I did and that average would be used for modification purposes. Then another representative told me that information was wrong and I must submit only my previous 3 months. Another time I was told I did not submit the XXXX page Making Home Affordable document ... which my scanned original shows I did. Another time I was told that one of my lease agreements was not submitted ... which again my scanned documents showed that I did. Several times I 've asked to speak with a supervisor without success. It sounded like the same problems I experienced with XXXX. I 've also consulted with a government organization that specializes in helping owners with distressed property and their suggestion was to get the matter continued so I can submit an accurate modification package.
To summarize my financial situation, I still have over {$22000.00} in my bank account and I 'm willing to apply up to {$20000.00} towards my modification. I still receive XXXX per month rental income as well as another XXXX per month for utilities. I also receive my XXXX per month social security. Now that I have returned to work, I earn over XXXX per month XXXX. That totals over XXXX per month. Also, I 'd like to note that other than my mortgage and related expenses to my home, I have no other debt.
Should my request for postponement be denied and the sale of my house goes forward, I 've also consulted with my bankruptcy attorney and I 'll file Chapter XXXX which will prevent me from losing my home. I hope you take everything I 've written into consideration. I 'd also like it noted that I had an appointment with the IRS to get a certified copy of my tax return but due to Hurricane XXXX, that was rescheduled for this Wednesday XX/XX/XXXX. As soon as I have my appointment, I will be again submitting my modification package.
Sincerely, XXXX XXXX XXXX I 'd like to add that I 've saved this money because neither Caliber nor the previous lender XXXX will accept payments due to my foreclosure status. All I 'm asking for is a continuance until mid XXXX
|
| 11/20/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Mortgage company has out right lied about numerous issues. They have received modification papers through the USPS 4 times and signed for them, but still say they have not received them. They have told me my home was worth XXXX and I listed it for XXXX last week. They told me that the county told them to tear down XXXX decks and a front entrance covered stoop, but I have an official XXXX document which says they never even spoke with anyone concerning my property. The decks and the stoop have been estimated at over XXXX to be replaced. This non-justified removal of these items have devalued my property extensively. The contractor that was hired called XXXX has no license nor insurance to do work in XXXX and no permits were issued for the work. While on my roof, XXXX of the workers drove a XXXX '' diameter concrete anchor through a roof valley which caused a huge leak. The leak poured so hard into my newly built master suite that it went right through the new Pergo wood floor, the sub-flooring ( XXXX layers ) and poured directly onto a support pier underneath the addition and caused sagging. This roof and flooring issue has since been repaired and many other issues that their hired contractor has caused to be defective has also been corrected. I was on the phone on XXXX with XXXX XXXX of XXXX through Making Home Affordable services when we called Caliber Home Loans and requested a new modification package. Caliber claimed they would send XXXX out within 7-10 business days yet none were received. I went to the mail today on XXXX and received a foreclosure notice to be held on XXXX giving me little time to correct this. We were also told on the same phone call with Caliber that I qualified for a Deed In Lieu along with a short ale option, but as of today XXXX Caliber claims this option is n't open. I was with XXXX XXXX with the XXXX Department XXXX XXXX on XXXX and she listened to an over 40 minute phone call with me asking for documentation carried over from the previous weeks requests from Caliber concerning the company that did the work at my home tearing off the decks and stoop and also replacing the decks with stairs which none would pass any XXXX or state codes by more than XXXX different reasons. While on the phone the representative XXXX XXXX witnessed lies from the Caliber contact when I called out that I was just told XXXX different reasons for me not being able to get my requested information concerning the contractor who destroyed tens of thousands of value off my property. She explained that the XXXX would act upon this situation and is awaiting a full complaint which I am almost complete with now. I called Caliber today XXXX and was told I did not qualify for a Deed In Lieu today. I have been lied to so often it makes my head spin. Caliber is practicing unfair and illegal activities on my home and property and should be held liable for any and all of it 's illegal practices. I have owned my home since the very beginning of it being built XX/XX/XXXX. I built XXXX additions doubling the square footage and also built a custom full electric/plumbing detached shop. It 's on the lake with XXXX ' of lakefront property with a dock for boats. I made insurance claims regarding theft of my personal property with was cosigned by myself under the quote that the funds would be released after I signed the checks. Caliber has since kept the checks saying it was a matter of " symantics '' on whose money that the insurance checks were to be kept. I 'm truly in awe that such crimes can be committed by a business and brushed under the carpet while in front of so many eyes. I do not understand why a hard working XXXX man who has worked hard for over 22 years investing thousands into his home can be taken advantage of like this
|
| 09/17/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
Discharged Debtor filed Bankruptcy on XXXX XXXX, XXXX. An Adversary Proceedings was filed by Discharged Debtor asking the Court to Determine the extent of an alleged Lien asking the Defendants at the time ( XXXX ( alleged servicer ), XXXX XXXX ( alleged Trustee ), XXXX, XXXX, XXXX XXXX XXXX allegedly changed name to XXXX XXXX XXXX, XXXX ( a subsidiary of XXXX ) XXXX XXXX, XXXX ( Attorneys who had been harassing Consumer/Debtor through their unfounded practices ) ) to produce a ledgering/bill of particulars, or proof as Creditors according to the FDCPA. All the then defendants ' abusive practices were outlined in the said Motion. Attorneys at the time, XXXX XXXX, XXXX, were repeatedly and maliciously sending letters and notices threatening the family as alleged Creditors to Foreclose.
During the Adversary Proceeding as opposed to proving their creditor status to the U.S. Trustee and the U.S. Judge, they continued with their fraudulent behavior and transferred/conveyed to their affiliate/subsidiary company CALIBER HOME LOANS, INC., deliberately failing to notice the U.S. Judge, U.S. Trustee, or the court of their actions and violating the current automatic stay in the ( progressing ) Bankruptcy procedure. Discharged Debtor while under the Automatic stay started to receive new notices of yet another Servicer/Debt Collector CALIBER HOME LOANS, INC. continuing to ignore the delicate in session process. Their actions were brought to the Court 's attention and the alleged NEW servicer CALIBER HOME LOANS , INC was consequently added to the Adversary Proceeding.
The U.S. Judge in her Opinion and Oral Ruling made it clear that : ( 1 ) neither of the parties before her were Creditors nor had Security or Equitable Interest, ( 2 ) neither presented their Proof of Claims to the U.S. Trustee, and ( 3 ) did not attended the XXXX Meeting. The Case was eventually dismissed, but the Judge 's opinion was clear. They were not Creditors and DID NOT have security interest.
The Discharged Debtor received a Discharge on XXXX, XXXX pursuant to 11 U.S.C. 727. Approximately three ( 3 ) months ago this year of XXXX. Consumer/Discharged Debtor started receiving notices of Foreclosure Sale XXXX XXXX, XXXX, for the Discharged debt. This information was again brought to the U.S. Bankruptcy Court Motioning for Sanction in the form of a Motion to Show Cause on XXXX XXXX, XXXX ; outlining their violations of the above Debt Collectors/alleged Servicers/Agents and Assigned, because not one of the Entities have any type of standing to collect on an Discharged Debt.
Discharged Debtor has done extensive research into this matter and hereby request that alleged Servicer/debt collector CALIBER HOME LOANS , INC and their Attorneys XXXX be investigated and held accountable for their fraudulent, outright defiance, and disregard of the U.S. Bankruptcy Laws, the U.S. Bankruptcy Judge, the Fair Debt Collection Practices Act, the Uniform Commercial Codes and the Other State and Federal Debt Collection Laws. There criminal actions continue to this date as recent evidence - Notice the illegal Sale to collect in the XXXX XXXX XXXX. The conspirators have NOT legitimately proven any standing.
The violators have conspired, ignored, abused and continue to act outside of the U.S. Bankruptcy Rules, Laws, and the Federal and State Debt Collection Laws.
XXXX XXXX and CALIBER HOME LOANS, INC. presently seem to be committed to collecting on a Discharged Debt. 11 U.S.C. 1927 ; 11 U.S.C. 524 ( a ) ( 2 ) ; 18 U.S.C. 401 ; 15 U.S.C. 1692 Discharged Debtor as pro XXXX, ask that these violators of the U.S. Bankruptcy Law, FDCPA, UCC, SEC and Commercial and Criminal Laws be investigated, held accountable, stopped from their abusive fraudulent practices and displacing families.
|
| 12/29/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have been fighting a wrongful and fraudulent mortgage foreclosure since XX/XX/XXXX in the Court of Common Pleas XXXX County Pennsylvania. The judge has not considered any of the prima facie evidence of a fraudulent assignment and lack of standing of the plaintiff. I have submitted in my case and has not granted a hearing. Now the opposing counsel has entered their Motion for Summary Judgement. The plaintiff 's attorney 's are or have filed an In rem action lawsuit against my wife and me. In a In rem jurisdiction the defendants have no rights because their action is against the mortgage, and not the note. So they do n't have to produce the original note ( if there even is one ). Listed below are the material facts in controversy that the judge and the plaintiff 's attorney 's have completely ignored : Issues Relating to this Foreclosure On paragraph XXXX of the said complaint, the plaintiff alleges that the Mortgage was assigned to it by way of the XXXX mentioned assignments.
There is no mention of the manner with which the note was transferred to the plaintiff.
The plaintiff did not state in the complaint that it has possession of both the Fixed Rate Note and the Mortgage.
The trustee for the XXXX Master Participation trust is XXXX. Nowhere in the complaint is a mention of XXXX.
Examiners ' Comment No. XXXX That the plaintiff, which is the trust itself and not represented by its trustee, did not state anything about the note in the complaint, coupled with the fact that the assignments were executed only six to seven years after the assignments, brings into question whether the mentioned endorsements and assignments did in fact effectuate actual physical transfers of the note and mortgage or whether this entity is actually in possession of them.
These documents must be presented in court, in the presence of the borrower and/or counsel, and if demand is necessary in order to effectuate the presentment, that demand shall be addressed to whoever represents XXXX Master Participation Trust, which may not be XXXX, the trustee.
End of Analysis ; See Audit Support Affidavit From a Certified Fraud Examiner : Documents Reviewed 8. Securitization Audit Report dated XX/XX/XXXX 9. Fixed Rate Note dated XX/XX/XXXX and XXXX Allonges 10. Mortgage dated XX/XX/XXXX 11. Alleged Assignment of Mortgage dated XX/XX/XXXX and recorded on XX/XX/XXXX 12. Alleged Assignment of Mortgage dated XX/XX/XXXX and recorded on XX/XX/XXXX 13. Complaint in Mortgage Foreclosure filed on XX/XX/XXXX Conclusion 14. Based on the documents presented for review and the analysis set forth in the Securitization Audit Report, multiple parties could claim ownership of the subject note and the associated financial obligation. The borrower has a right to identify and be accountable to the real owner, and only the real owner, of the obligation.
15. There is currently no holder in due course ( as defined by the Uniform Commercial Code ) of the subject loan given the alleged robo-signing noted in paragraph XXXX.
16. Multiple parties could claim ownership of the financial obligation associated with the subject note : a. the alleged Assignment of Mortgage discussed in paragraph XXXX is void assuming the document was in fact robo-signed, which points to the original lender as the holder of the note.
b. the complaint for foreclosure claims that XXXX Master Participation Trust is entitled to collect on the financial obligation.
To protect the borrower from multiple claims of ownership, further information is necessary to determine the true holder entitled to enforce the subject note. Any claims of ownership should be supported by indisputable evidence such as proof of transfer of value or other accounting records.
END OF REPORT
|
| 05/15/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Caliber continues to demonstrate their unwillingness to provide the exemplary customer service they say they strive to provide. They also demonstrate their inability to provide accurate and consistent information.
We want to know why the letter they provided on XXXX XXXX, XXXX was addressed to me at XXXX , GA XXXX. The letter pertained to CFPB Case Number : XXXX.
Single Point of Contact : Caliber was provided with a letter that Beneficial sent on XXXX XXXX, XXXX that stated our home loan was 30 days in default and they were required by New York State Law to provide the letter because as they stated we were " at risk of losing '' our home. When Caliber took over the servicing of our loan on XXXX XXXX, XXXX we immediately phoned customer service to clear up the errors created by XXXX as not only were we not behind in payments, we were well ahead. The customer service department on more than one occasion told us that the XXXX records were difficult to sort out. We continued to call. No single point of contact was assigned as required by NYS Law. We did not receive statements from Caliber of our account in XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. We did not get any assistance from calling the customer service number. On XXXX XXXX, XXXX I spoke with Shaniqua ( agent # XXXX ) in customer service. After that conversation we faxed copies of bank checks along with additional supporting information on XXXX XXXX, XXXX at XXXX. We have the fax confirmation. So XXXX records of our first complaint coming in XXXX XXXX are incorrect. We were making complaints and calling customer service all along and no single point of contact was assigned as required by law. XXXX response was to simply send us a record of our payments from XXXX XXXX forward. Because we were not getting anywhere with Caliber 's customer service we filed complaints with the NYS Attorney General 's Office, CFPB and the NYS Banking Division, Mortgage Department. After this they assigned a single point of contact, XXXX XXXX. XXXX XXXX was not reachable and no one else in that department was able to assist us.
At no time did XXXX XXXX respond to our requests for assistance. No research of our account was completed by XXXX XXXX. It was n't until XXXX XXXX of XXXX revealed the agreement they had with Caliber and requested we send her a copy of the letter we received from Caliber directing us back to XXXX did something start to happen. XXXX informed us that our new single point of contact would be XXXX XXXX, vice president of single point of contact. At no time did customer service or the customer escalations department offer to assist us in researching and resolving our issues. We were directed multiple times to go back to the prior servicer. We would like a listing about what actions XXXX XXXX took on our behalf between XXXX XXXX and XXXX XXXX.
Caliber has sent us a payment history generated by XXXX. They stated that " it is our practice to work to resolve any disputes or issues on a loan with the prior servicer on your behalf. '' We would like to have the history explained to us including : Bucket XXXX, XXXX, XXXX, XXXX and XXXX that appears in the Description column.
Deferred Interest and Deferred Interest Sweep in the Description column.
An explanation as to why they stated in letters of XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX ( 2 letters ), and XXXX XXXX, XXXX that " Please be advised Caliber is unable to confirm any actions or provide any answers in regards to the previous servicer as we are not affiliated with them. In order to have these concerns adequately addressed, you should contact your prior servicer directly '' when they are now saying they will do the research with the prior servicer on our behalf.
|
| 11/23/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
On approximately XX/XX/XXXX I toured a condo in XXXX, Virginia and decided to put in an offer. I was preapproved by XXXX XXXX XXXX and the initial paperwork was drawn up. As i knew that there would be the possibility I might begin an additional job ( on top of the job i have had since XXXX and applied with income from ), I was clear with the lender about documentation, income, debt, and my timeline. All was smooth and accepted by the seller, and my closing date was set for XX/XX/XXXX at XXXX.
At XXXX XXXX on XX/XX/XXXX ( literally the middle of the night, 11 hours before my closing appointment ), my loan originator called me to request updated paystubs, a new homeowner 's insurance policy, and several other pieces of information ( childcare forms ) in order to close. As this was not the first property I have purchased, i was aware that the loan originator is required to be clear to close by the underwriter in order to schedule closing, so I was confused as to what other information they could need. I got out of bed and sent the requested documents immediately so that I could close. I did not hear back from my loan originator with XXXX until noon the following day, when he told me the documents were under review by the underwriter.
This is when i started splitting time between sleeping in my car and renting cheap motel rooms/crashing on friend 's couches in order to stay employed. To date, this delay has cost me roughly {$3000.00}.
As a result I filed an extension for 30 days which i was relieved was accepted by the seller. Every day of that month i called, texted, and emailed my loan officer and received about one or two replies per week, always asking for new information like updated contracts and w2 forms from the new job i had now begun as a result of the delay in closing. He would also send updated contracts or closing documents that varied wildly in cash to close amount, and never made the adjustments for errors that I would catch in reviewing before signing. He also constantly blamed the Underwriters for taking so long or not responding to him. On several occasions he would ask for a document, i would send it within ten minutes, he would confirm receipt, and then ask me for it again 5-7 days later, only to have me walk him through his own email and see the document had been in his possession for a week without going to the underwriter.
On the 30th day of the extension ( XX/XX/XXXX ) I found another lender who got me preapproved and a lower ( and far more accurate ) cash to close amount, and has already conducted several inquiries with my HR department and my unit. As such, I sent a letter to my loan officer giving him and his underwriter a deadline of Monday, XXXX at XXXX EST to either release my appraisal or send me the clear to close. At XXXXXXXX XXXX I sent them a final email stating that since I had not heard anything I would like to submit the formal letter requesting transfer of my appraisal and loan information to my new lender before the end of the day. The old loan officer with XXXX emailed me and said " we just heard back from the underwriters that they have spoken to your contract manager at your job, and they are aware time is critical ''. This confirms to me that he received my request to transfer and blew it off in favor of going back to the underwriters.
As of today ( XX/XX/XXXX ), I have not heard anything from XXXXXXXX XXXX XXXX as to whether or not they have processed the loan transfer, disapproved my loan application, or cleared me to close.
I feel that the Veteran 's Administration and any buyers or sellers that use the VA should be warned against doing business with XXXX XXXX XXXX, and possibly review the affiliation they have with this team.
|
| 12/29/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My mortgage lender Caliber has failed to apply lump sum payments that were made to cure a delinquency. Caliber has failed to allow me to be considered for ANY type of modification or homeowner assistance plan. As a result I had to file for Chapter XXXX bankruptcy protection and have been making regular payments to Caliber. Then they unexpectedly refused to accept my XXXX and XXXX payment and sent them back and instead have set a foreclosure sale date on XXXX XXXX, XXXX. I am working two jobs and my XXXX XXXX daughters that live with me are XXXX helping out with bills and paying rent. I can afford a fair payment and have paid on this mortgage for close to 17 years, yet Caliber takes advantage of my husband 's XXXX and tries to auction off my home and breaks federal bankruptcy law and also New Jersey law by refusing to offer mediation.
We took out this loan in XXXX and my interest rate is 10.45 %. I was earning a good living with my employer that I had been with for 10 years and then he XXXX XXXX. As a result the company was significantly downsized and I was laid off. This put us into a difficult financial situation. Things got worse when my husband XXXX XXXX after a long battle with XXXX. He did not have health insurance at the time and as a result XXXX came after my family and took out $ XXXX from our assets, leaving me flat broke and a XXXX. At that time I began struggling with the mortgage payment and reached out to Caliber to see if there was some type of XXXX forbearance that could be offered. Their agents had no sympathy for my situation and refused to give me any accommodation in my time of need and instead demanded that I reinstate the loan.
I was able to find work as a XXXX XXXX XXXX XXXX and continued trying to get Caliber to work with me. Their agents refused to accept a regular payment and continued to demand that I pay back all past due payments as well as late fees and junk fees and legal fees. My mother loaned me $ XXXX and I made a lump sum payment to Caliber in hopes that you would work with me to resolve this matter. However, instead of working with me, Caliber took the payment and did not apply it to my balance, in essence committing mortgage fraud. I demand a full accounting of all payments made on this loan and want to document the application of all payments that have been made to Caliber.
Due to their continued refusal to work with me I entered into a Chapter XXXX bankruptcy in order to resume making payments since they would not accept a regular payment. I made the BK payment for a number of months until in XXXX XXXX when Caliber returned my check. This happened again the following month. I tried to contact their agents in order to open a review of my current financial circumstances, but could not gain any traction.
Caliber has denied me access to government programs that should be made available to me. I have done EVERYTHING I can to overcome my past financial challenges, but Caliber does not seem to care. I am currently working as a XXXX XXXX XXXX XXXX as well as a second job doing XXXX XXXX XXXX. My XXXX daughters live in the home with me and XXXX help out by paying me monthly rent. If Caliber were to actually take the time to open a review of my current financial situation they would see that I have sufficient income to qualify for government and internal programs. In order to fix this problem I have tried all options -- a lump sum payment, reorganizing my debt through bankruptcy and trying to get Caliber to allow me to be considered for a modification. Throughout all of it Caliber has blocked me every step of the way, and instead of offering mediation as required by New Jersey law they have set a foreclosure sale date. This is wrong.
|
| 11/29/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
I obtained a XXXX loan in XXXX, am in modification review with Caliber Home loans since XXXX XXXX. They set a foreclosure sale date of XXXX XXXX XXXX, even tho I am providing all docs requested on daily, weekly basis they have never com pleted a mod pkge. I can not get a reasonable explanation of exactly what is required to qualify for a mod. or the process.
Caliber bought my loan @ reduced price @ auction XXXX XXXX while I was awaiting Bankruptcy Ct approval of a mod I had been working on from XXXX XXXX since XXXX.This was not disclosed to me or the court. The ct approval was granted in XXXX XXXX for the mod to proceed however XXXX declared me delinquent from XXXX XXXX due to the sale to Caliber.They would not explain why they were dating my pmts to begin be fore the ct approval and because I could not cure the delinq uent pmts they convinced me to RESTART THE MOD PROC ESS which I finally agreed to do. I was in review with until wells advised me of the sale XXXX XXXX by letter advising me they no longer would service my loan, nor finish the modification as all my info was with Caliber. I now question why was I not advised of this 'short sale ' at auction OR offered any any such remedy to help me keep my home? Why did neither wells or caliber ever finish a modification package??
I worked with XXXX XXXX from XXXX. I furnished docs on a k daily, weekly basis, with over 100 agents. ( one of whom I was told to work with told me he had XXXX loans but mine was not one of them ) I thought I had a mod in XXXX XXXX, but the follow up paper work they told me to wait for never came, and I had to start the mod process over and a year of being in 'review ' later they set a foreclosure date ( I was in underwriting review ) forcing me into bankruptcy chptr XXXX to stop the sale. The " loan preservation specialist ' handling my loan denied it was ever assigned to her and she wanted me to start the process OVER AGAIN but not assure me it would stop foreclosure. I did continue the mod process after I filed for chpter XXXX in order to reduce my payments and repair my credit.
No one should lose their home while being told they are in " review ". The homeowner has no knowledge of what is required to 'qualify ' for a modification, or the actual process.
The modification package is never completed, docs expire and then the package is set to have something expire every day. It is extremely difficult to get info or answers to simple questions, you are just told to give them what they want and 'they will look at it and let you know '. They will not disclose how much income it will require to qualify or how you could improve your situation to qualify, they just wont answer you. They constantly lose doc uments and insist you did not provide them. They ask for docs that are within 2 days of becoming expired. They want invasive info on contributors ( even family ) as if they are qualifying for the entire loan.
Finally there is no reasonable excuse for taking more than 90 days to complete a loan package on an existing homeowner.
This process is a scam on an already distressed homeowner and is designed to fail, and their home is offered to a stranger at a foreclosure price, most often below the mortgage balance the homeowner is willing to repay with just some restructuring of the terms. It just is n't right.
I have put all my savings into this home, I maintain it, I can not replace it. I have dealt in good faith and I have been lied to, misled, misrepresented to by XXXX mortgage cos.
promising to help me, I have been subjected to tremendous stress, and financial ruin only to face the loss of my home to a totally NON ACCOUNTABLE corporation through THEIR under handed dealings for their gain.
|
| 06/14/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Caliber continues to deny the assistance requested with our account and to compensate us for our time and the lack of customer service and the ongoing damage it has done to us. The following are the issues that have not been resolved : On XXXX XXXX, XXXX XXXX erroneously sold our home mortgage to the XXXX by labeling our account as in default, and/or a distressed loan in trouble. Not only were we not behind in payments we were ahead. As soon as Caliber began servicing our loan we contacted them to let them know that false information had been provided on our account by XXXX. When Caliber informed us in XXXX XXXX that we were behind in payments we called the customer service number and let them know this was not true and we lodged a formal complaint. They indicated at that time that XXXX records were a mess and it would take time to sort things out. We repeatedly called Caliber 's customer support number in XXXX, XXXX, XXXX, XXXX and XXXX.
Question 1 : Can you provide a transcript of the phone calls made between XXXX XXXX and XXXX XXXX?
Question 2 : If the loan was purchased as a loan in default why was n't an SPOC assigned in XXXX XXXX?
On XXXX XXXX, XXXX after speaking with Caliber 's customer service agent XXXX ( # XXXX ) we faxed a written letter of complaint and supporting documentation to Caliber. We are attaching the fax cover sheet showing that it was received and the letter.
Question 3 : Why was there no response to this written letter of complaint?
Question 4 : Can you provide documentation of the phone conversation with XXXX and the letter of complaint?
Question 5 : Why was n't an SPOC assigned at this time?
Question 6 : Why was n't a response to our complaint formulated at this time?
We called Caliber 's customer service department again in XXXX and spoke with a XXXX. He told us that there appeared to be a problem with the XXXX XXXX payment to XXXX " going away '' and he was going to look into it. He did not and never got back to us. We then made a complaint with the NYS Attorney General 's Office, CFPB and NYS Financial Department. An SPOC ( XXXX XXXX ) was assigned to us on XXXX XXXX, XXXX.
Question 7 : Why did n't XXXX complete the research he said he would complete? Please provide documentation of this phone conversation.
Question 8 : Why did it take a complaint to the NYS Attorney General 's Office to get an SPOC assigned to us?
We called the number listed in the letter for XXXX XXXX. When we were able to finally reach him he did n't know why we were assigned to him. ( Note : no one else we talked to could provide any assistance either ) He did n't feel he needed to do any work on our behalf. We explained the problems we were having with our account and he said he would look into it. We called again but could not speak to him and no one else in the SPOC department could help us.
Question 8 : Why did n't XXXX XXXX know why he was assigned to our case?
Question 9 : What specific work did XXXX XXXX do to research our complaints and resolve the issues with our account? We are demanding specific documentation on phone calls and letters he sent to us with the research he did on our behalf.
After not being successful in getting help from the SPOC department we made a complaint with the NYS Department of Financial Services, Mortgage Department in XXXX XXXX. During XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX we did not receive monthly statements with Caliber. They are stating that this was due to us being in Chapter XXXX bankruptcy and their policy. We were successfully discharged from Chapter XXXX bankruptcy in XXXX XXXX which was XXXX months before Caliber assumed servicing of our mortgage.
Continued in attached.
|
| 05/30/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Caliber continues to deny the assistance requested with our account and to compensate us for our time and the lack of customer service and the ongoing damage it has done to us. The following are the issues that have not been resolved : Prior Servicer On XXXX XXXX, XXXX XXXX erroneously sold our home mortgage to the XXXX XXXX XXXX Master Participation Trust by labeling our account as in default, and/or a distressed loan in trouble. Not only were we not behind in payments we were ahead. As soon as Caliber began servicing our loan we contacted them to let them know that false information had been provided on our account by XXXX. When Caliber informed us in XXXX XXXX that we were behind in payments we called the customer service number and let them know this was not true and we lodged a complaint. They indicated at that time that XXXX 's records were a mess and it would take time to sort things out. We repeatedly called Caliber 's customer support number in XXXX, XXXX, XXXX, XXXX and XXXX.
Question 1 : Why is there no record of our phone calls from XXXX XXXX to XXXX XXXX?
Question 2 : If the loan was purchased as a loan in default why was n't an SPOC assigned in XXXX XXXX?
On XXXX XXXX, XXXX after speaking with Caliber 's customer service agent XXXX ( # XXXX ) we faxed a letter of complaint and supporting documentation to Caliber. We are attaching the fax cover sheet showing that it was received and the letter.
Question 3 : Why was there no response to this letter of complaint?
Question 4 : Why is there no documentation of the phone conversation with XXXX and the letter of complaint?
Question 5 : Why was n't an SPOC assigned at this time?
Question 6 : Why was n't a response to our complaint formulated at this time?
We called Caliber 's customer service department again in XXXX and spoke with a XXXX. He told us that there appeared to be a problem with the XXXX XXXX payment to XXXX " going away '' and he was going to look into it. He did not and never got back to us. We then made a complaint with the NYS XXXX XXXX. An SPOC ( XXXX XXXX ) was assigned to us on XXXX XXXX, XXXX.
Question 7 : Why did n't XXXX complete the research he said he would complete?
Question 8 : Why did it take a complaint to the NYS XXXX XXXX to get an SPOC assigned to us?
We called the number listed in the letter for XXXX XXXX. When we were able to finally reach him he did n't know why we were assigned to him. ( Note : no one else we talked to could provide any assistance either ) He did n't feel he needed to do any work on our behalf. We explained the problems we were having with our account and he said he would look into it. We called again but could not speak to him and no one else in the SPOC department could help us.
Question XXXX : Why did n't XXXX XXXX know why he was assigned to our case?
Question 9 : What specific work did XXXX XXXX do to research our complaints and resolve the issues with our account? We are demanding specific documentation on phone calls and letters he sent to us with the research he did on our behalf.
After not being successful in getting help from the SPOC department we made a complaint with the NYS XXXX, Mortgage Department in XXXX XXXX. During XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX we did not receive monthly statements with Caliber. They are stating that this was due to us being in Chapter XXXX bankruptcy and their policy. We were successfully discharged from Chapter XXXX bankruptcy in XXXX XXXX which was NINE months before Caliber assumed servicing of our mortgage.
Question 10 : Where are our statements for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX? Please send them to us immediately.
Continued in attachment.
|
| 07/02/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
We are wanting to remove our escrow from our current mortgage, so we can pay a lump sum for our property tax and home insurance like we 've previously done with past mortgages. We have excellent credit, excellent payment history and we can afford paying a lump sum for our property tax/insurance. We called in and we were advised that we could remove the escrow, by submitting a written letter to remove escrow and to show evidence that you have successfully paid property tax and insurance on our own with no issues. I asked what would cause my escrow waive to be declined and the mortgage personal said if I do n't have a good history of paying my taxes/insurance ontime. We were told this was the process by a few people at Caliber Home Loans. When I called in to see the status they mentioned Escrow Waiver is up to XXXX. I called XXXX and they mentioned it was not up to XXXX and it was up to the Mortgage company. We have been conflicting information and no one seems to know the policy or how to administer the policy. I called Caliber Home Loans again and mentioned what XXXX said about them being the sole owner of making a decision on escrow waive. They said the would escalate this. After several days, I got info that my escrow waive would be declined because I do n't have the Loan To Value ratio. This contradicted what was told to me first, that all I had to do was submit a letter with evidence of good tax/insurance payment. Also, according to fannie mae 's website it states the following : The servicer must ...
Evaluate whether it is appropriate to waive the escrow account requirement based on the following : the mortgage loan documents and applicable law, the borrower 's prior mortgage loan payment history, the borrower 's overall credit history, the LTV ratio of the mortgage loan, and the borrower 's financial ability to handle the lump-sum T & I payments.
Deny a request to discontinue escrow requirements for a mortgage loan if the borrower has previously defaulted on the mortgage loan, a blemished credit history on other credit obligations, or limited cash reserves.
Maintain the following information in the mortgage loan servicing file and make it available to XXXX upon request : the borrower 's written request ; the servicer 's basis for the waiver decision ; and the waiver of escrow deposits disclosure provided to the borrower, if applicable.
So, according to XXXX a servicer can deny a request to discontinue escrow requirements for a mortgage loan if the borrower has previously defaulted on the mortgage loan, a blemished credit history on other credit obligations, or limited cash reserves.
I 've been struggling with both Caliber Home Loans and XXXX on getting answers. I do n't see any where in the policy of what the Loan to Value ratio must be. I do n't see Loan to Value being a criteria to deny escrow waiver.
I 've paid my own property taxes and insurance on my own with previous mortgages with no issues. I do n't have a PMI with my current mortgage, so I do n't understand what the issue is to honor the escrow waiver. Also, I was told by XXXX after 2 years, escrow can be removed, but I do n't see this in the XXXX policy? Another contradiction.
I do n't understand why there are policies for escrow waive, when the mortgage company and XXXX does not seem to know the policy XXXX themselves. Also, it provides me a better financial power to pay my own taxes and insurance on my own. We have our own savings we dedicate for these type bills and our monthly mortgage bill would be significantly lower. Are there any rights for the home owner about escrow ( especially if it is going to make it more affordable for the home owner )?
Very Respectfully, XXXX
|
| 04/07/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I am submitting this complaint to address the ongoing dual-tracking violations and to get answers as to why there is still a sale date on my file since submitting a complete RMA package in XXXX XX/XX/2015. Caliber has violated the following federal laws established for the sole purpose of protecting borrowers ( consumers ) like me from the exact violations outlined below : FDCPA - threatening unrealistic consequences with a pending sale date RESPA - dual tracking violations for keeping a sale date with a complete RMA UDAAP - unfairly marking a RMA as " incomplete '' to further escalate foreclosureFDCPA VIOLATIONS OVERVIEW Caliber Home Loans continues to keep an unrealistic sale date of XXXX XXXX, XX/XX/2015, on my file even though a sale date on that date would violate my consumer rights and is not possible due to denial appeal rights and/or government mortgage assistance laws.
RESPA VIOLATIONS OVERVIEW Caliber Home Loans continues to violate federal dual-tracking laws by simultaneously working with me to avoid foreclosure while moving forward with foreclosure as evidenced by a complete package received ( see attached letter from Caliber dated XXXX/XXXX/XX/XX/2015 ), per XXXX ( Agent ID # XXXX ) on XXXX XXXX, XX/XX/2015, and the refusal to remove the sale date scheduled for XXXX XXXX, XX/XX/2015
UDAAP VIOLATIONS OVERVIEW Caliber Home Loans continues to state that they do not have to remove the sale date since my complete package was not received more than 37 days out from the sale date but the truth is that Caliber Home Loans put the sale date on my file after an initial RMA was submitted and within 35 days of the sale date, making it impossible for me to satisfy the deceptive 37-day excuse as it is a lie with a side of abusive business practices.
Per the consumer rights violations identified above, I 'd like for Caliber Home Loans to answer the following questions so that all parties involved can get a better understanding of Caliber 's standard operating procedures to address wrongdoing and adjust expectations moving forward:1. WHAT IS A COMPLETE PACKAGE?
a. At what point is a request for mortgage assistance ( RMA ) application considered " complete '' per Caliber and the CFPB 's dual-tracking laws established to protect struggling borrowers like me?
b. Who determines the " completeness '' of the package, the single point of contact or the underwriting representative, and how is the borrower ( me ) informed? How long am I given or do I have per Caliber to satisfy the request for documentation?
2. HOW CAN A BORROWER LIKE ME SUBMIT A COMPLETE APPLICATION OR RMA XXXX OR MORE DAYS PRIOR TO A SALE DATE WHEN THE SALE DATE IS PLACED ON THE FILE WITHIN ONLY 35 DAYS OF THE SALE DATE?
a. If the sale date was placed on the file on XXXX XXXX, XX/XX/2015, then how can I submit a complete package 37 days in advance of the sale date?
b. How can Caliber 's dual-tracking defense be that I did not submit a complete application or XXXX at least 37 days from the sale date when the sale date was placed on the file less than 37 days from the sale date ( XXXX XXXX or XXXX as it is unclear as to the exact date so pleased see attached )?
All requested documentation has been submitted and the requests that are being made are subsequent requests after receiving a complete package per Caliber 's correspondence, which should warrant the removal of my sale date ; all subsequent documentation has been submitted to date. To reiterate, I will be afforded an opportunity to appeal a decision or denial so the stated sale date of XXXX XXXX, XX/XX/2015, is not realistic and can only be construed as harassment or a threat, which now warrants an FDCPA complaint for violations.
|
| 09/18/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Greetings, below is a copy of my Making Home Affordable appeal letter to Caliber Home Loans this week.
it is my understanding that a service is not able to sell your loan while you are in the modification process.
XXXX XXXX XXXX did this XX/XX/XXXX with my mortgage ( can you confirm, is this correct? See Below ).
In addition XXXX HUD certified counselors ran all my income and debt numbers and confirmed that I definitely qualify for a Making Home Affordable modification. XXXX denied me for a HAMP modification twice using the same numbers that the HUD counselors approved me for HAMP modifications with. XXXX now informs me that my home is in foreclosure and will not consider a HAMP modification.
Numerous infractions occurred that violate the Minnesota Homeowner Bill of Right by Caliber Home Loans.
Greetings, I, XXXX XXXX formally appeal the decision to deny a loan modification per the denial letter I received from Caliber Home Loans dated XX/XX/XXXX
The reason for modification denial states : " your current monthly debts exceed your gross monthly income. Per my completed Caliber modification application, my net monthly income is approximately {$4800.00} plus any commission and my total monthly expenses are approximately {$3000.00}. This generates a surplus monthly income of {$1900.00}. ( See XXXX attached direct deposit guaranteed draw/salary of {$3000.00} per month not previously provided ) plus any applicable commission attached.
As XXXX XXXX XXXX confirmed during our telephone conversation on XX/XX/XXXX, he is sending a new modification package to me to re-apply for a modification.
Per the receipt of letter I received dated XX/XX/XXXX, from XXXX, XXXX XXXX XXXX law firm, Servicers are prohibited from referring a loan to foreclosure until a borrower has been determined ineligible for HAMP. Since there has not been a final determination regarding HAMP eligibility for my loan, and I am appealing Caliber 's decision and Caliber is prohibited from referring my loan to foreclosure until after it has been determined ineligible for modification under HAMP. Caliber is bound by the XXXX XXXX XXXX service agreement with the United States Treasury Department.
Caliber received my loan from XXXX XXXX XXXX XX/XX/XXXX, per the Office of the CEO and President of XXXX XXXX XXXX and my single point of contact, XXXX XXXX XXXX. My mortgage was under active review for a modification with XXXX XXXX XXXX and the Office of the Ceo and President during the transfer to Caliber Home Loans on XX/XX/XXXX. XXXX XXXX XXXX assured me and promised that the transfer to Caliber would be seamless and that all modification documents were transferred to Caliber to continue the XXXX modification in process. After I voiced numerous concerns about the transfer to Caliber while my XXXX modification was in midstream, on both XXXX and XXXX, XXXX XXXX gave me her verbal assurance that my modification would proceed seamlessly and continue right where it left off with XXXX XXXX XXXX and be diligently worked by Caliber Home Loans, and they will continue to work your file and modification right where we left off. with XXXX XXXX XXXX and be diligently worked by Caliber Home Loans, and they will continue to work your file and modification right where we left off.
I was skeptical, however XXXX XXXX was adamant that my XXXX modification in process would continue seamlessly with Caliber on Monday, XX/XX/XXXX after the transfer This was not the case and I was told by Caliber that they did not have any XXXX documents, nor did they attempt to continue to continue the XXXX modification in process.still have not received Caliber 's response to OPEN RESPA and QWR requests made on XXXX.
|
| 01/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
Complaint, XXXX and XXXX to XXXX XXXX XXXX XXXX XXXX, and Caliber Home Loan , Inc.
On XXXX XXXX XXXX a XXXX XXXX filed fraudulent Claim in my Bankruptcy case where this XXXX XXXX claimed that XXXX XXXX XXXX, XXXX is my CREDITOR and a Servicer for unknown to me parties. No other parties were included, so it appears that XXXX claims to be my original Creditor, which is a lie.
In support to the Claim this XXXX company submitted forged and fatally defective Assignment prepared under name of XXXX, acting as agent for long-defunct XXXX XXXX and recorded in XXXX XXXX in violation of all applicable laws, particularly XXXX XXXX XXXX ( 1 ) ( d ) which requires EACH party to list its full mailing address for each conveyance of an instrument encumbering real estate.
Thus, this Assignment is legally invalid and void ab initio, since XXXX XXXX has no right to transfer anything to anyone because on XX/XX/XXXX neither XXXX or XXXX were not owners of my alleged debt ; and this Assignment and Mortgage were recorded in violation of all applicable laws and were legally invalid..
Additional fake documents were two Allonges to the copy of my non- endorsed Note, one prepared by unknown to me parties to Caliber Home Loan , Inc. dated XX/XX/XXXX, which was my Closing day.
Second, undated XXXX stated Without Recourse pay to the order of and robo-stamped by XXXX XXXX XXXX
According to this XXXX, it related to Calibers loan XXXX.
However, according to XX/XX/XXXX Welcome Letter from XXXX XXXX XXXX XXXX XXXX XXXX ( acting as Caliber ), loan XXXX belonged to PRIOR Servicer, who in this letter was named XXXX XXXX. See letter attached.
During all time in question Caliber claimed that their loan account serviced by Caliber is XXXX.
So, its unclear why Caliber transfer a loan which did not belonged to them ; and to WHOM undated XXXX directed payments without recourse? When and where this XXXX was prepared and signed?
On XXXX XXXX XXXX Caliber claimed that the CURRENT owner of my alleged loan is XXXX, who is not even mentioned in the Bankruptcy Claim filed by XXXX company acting as XXXX Therefore, XXXX is NOT my Creditor and can not claim any ownership rights based on undated XXXX where Caliber obviously had no right to transfer loan XXXX if it did not belonged to them and here is no evidence that my Mortgage was ever assigned to Caliber ; and on fatally defective under the law and forged Assignment by XXXX, which since XX/XX/XXXX is XXXX XXXX, XXXX, and was not an agent to XXXX.
XXXX is not the Servicer either. This is another lie. All Servicing activities are preformed by other XXXX companies who send me billing statements, ( XXXX ), collect my money from po box es rented by XXXX, ( XXXX ) ; pay my property taxes ( XXXX ) ; return refund money to XXXX XXXXXXXX XXXX ; pay home Insurance ( XXXX XXXX ) ; declare me in default ( XXXXXXXX XXXX XXXX XXXX, XXXX ) As such, verification of ownership is mandatory. One company tells me that the Owner is XXXX ; and another Caliber whose name appeared on XXXX transferring loan XXXX which did not belong to Caliber claimed that the current owner is XXXX.
I demand explanations why Caliber prepared an XXXX to my Note for a loan XXXX which does not belong to Caliber.
I demand a written Warranty of ownership of my alleged debt, wet-ink signed by an individual employee of my Creditor, not a Servicer or a lawyer ; and a copy of the ledger the account receivable due from me, with clear reference to me and to my property, coming from the books and records of my CREDITOR.
I demand explanations where is my original Note is currently held, the name of the custodian ; and when and where I can personally inspect my Note.
|
| 12/18/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have struggled to keep my home for years and during this time I was serviced released to Caliber Home Loans. Working with Caliber Home Loans has been extremly difficult, but I have been persistent and was finally able to receive an approval for a modification to save my home. This was in XXXX, when I attempted to make my first trial payment I was advised that I could only use XXXX XXXX to make my trial payment. This payment was made, but Caliber deemed it late and then refused to honor my modification. I was soon facing another foreclosure sale on my home and proceeded to escalate my frustrations with Caliber by filing a law suit against them in my local superior court. This lawsuit was eventually settled for a loss mitigation review of my options to avoid foreclosure. This was early XXXX and my wife and I eventually seperated and divorced. We decided it would be in our best interest to pursue a short sale so that we could resolve this debt and move on. We do not wish to have a foreclosure on our record. I listed my home, it suffers from deferred maintenance and incomplete repairs from a plumbing problem we encountered several years back. We were unable to fix it with insurance due to being behind on my mortgage-thats another circle of problems. These problems make my home less appealing to a prospective buyer since it is currently not in move in condition and it requires alot of work to make it so. Caliber Home Loans commenced working on the short sale and ordered a Broker Price Opinion on my home. This agent that came out gave modest credits for the repairs needed and my value was set at XXXX. Move in condition homes in my area sell anywhere from 500k-550k. This caused the offer that we accepted to be countered to the XXXX " value '' and the buyer decided that it was not in their best interest to pursue this home. We continued to market the property, received inquiries from different agents but non brought us an offer anywhere near the price Caliber would accept. After several months I finally received an offer from an agent for XXXX. Upon submission of this offer my agent was advised that as of XXXX/XXXX/XXXX Caliber Home Loans would no longer review short sales on any of their private investor loans-which include mine. I was instead offered a Deed in Lieu as a way to avoid foreclosure. This is the nail in the coffin as a Deed in Lieu can not be accommodated for my property, I have a 2nd mortgage, XXXX Arrears and a Judgment that all require contributions from a buyer to release their liens. A Deed in Lieu will not provide that as this process involves me just signing over the property to Caliber free of any other encumbrances that I can not remove unless a buyer pays for them in escrow. Now I am stuck with no other option but to foreclose and Caliber has taken the position to not offer the new buyer a review of the contract we recently accepted. As much as I would like to avoid foreclosure I am unable to do that based off this recent decision. Caliber even offered me an incentive of XXXX to do a Deed in Lieu but I was only offered XXXX with a short sale. Caliber is just holding another carrot on a string in front of me as they are aware of the matters currently affecting the title of my home and have knowingly offered me a program that I could not follow through with. It just seems unfair after all of the efforts I have put into trying to sell this home, we finally found a buyer willing to take this property as-is. I dont know where else to turn to, my searches indicate that I am not the only person facing this problem with Caliber and I foresee many more people falling into an unnecessary foreclosure at Caliber 's hands.
|
| 04/25/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
XXXX, TX XXXX XXXX XXXX, XXXX Consumer Financial Protection Bureau XXXX Caliber Home Loans , Inc Attn : Loss Mitigation XXXX, OK XXXX Tel : XXXX Fax : XXXX XXXXXXXXXXXX Ref : Complaint against Caliber Home Loans. Loan # XXXX On XXXX XXXX, XXXX, we financed {$150.00}, XXXX our home XXXX, Texas, XXXX through XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX at 5.875 % interest rate.
On XXXX XXXX, XXXX, owner of property Deed of trust XXXX, husband to the borrower of note filed Chapter XXXX wage earner plan to help manage and catch up in our mortgage payment with base loan principal balance of {$120.00}, XXXX. The borrower was out of the United States for 7 years on immigration request.
On XXXX XXXX, XXXX, XXXX XXXX XXXX who bought the loan bypassing XXXX ( XXXX ) requirements from XXXX XXXX XXXX XXXX 10 to 15 days after closing sent us a mortgage statement with principal balance on the loan of {$130.00}, XXXX.
On XXXX XXXX, XXXX, XXXX XXXX XXXX notified us that the servicing of our loan was being transferred to Caliber home loans effective XXXX XXXX, XXXX and that all payments in transit will be rectified and deducted from the above balance. That was not the case. Between XXXX XXXX, XXXX and XXXX XXXX, XXXX, I have been paying into Chapter XXXX Trustee account as agreed, the amount of {$2100.00} through ACH draft monthly.
On XXXX XXXX, XXXX, XXXX XXXX XXXX sent us another Mortgage statement with a principal balance of {$130.00}, XXXX. This is given, that they may have not received or posted any disbursement from the Trustee.
On XXXX XXXX, XXXX, my Chapter XXXX Trustee disbursed to XXXX XXXX XXXX {$8100.00}. My balance was not adjusted for this payment.
On XXXX XXXX, XXXX, we received another mortgage statement still showing our principal balance to be the same as stated on XXXX XXXX, XXXX and XXXX XXXX, XXXX.
From XXXX XXXX, XXXX and XXXX XXXX, XXXX, total payments disbursed to Caliber Home Loans alone were {$20.00}, XXXX. My chapter XXXX case was dismissed XXXX XXXX, XXXX because Caliber promised a modification to make our loan affordable.
From XXXX XXXX, XXXX through XXXX XXXX, XXXX, we were placed on trial payments which resulted to an additional payments totaling {$3200.00} to Caliber home loans. Yet, we are still being told by Caliber that our principal balance is {$140.00}, XXXX. The question Caliber Home loans refused to answer is where did all above payments totaling ( {$31.00}, XXXX ) apply to.
In lieu of the above, how can we mathematically have an increasing balance of {$140.00}, XXXX?, given that when I initially filed my first Chapter XXXX on XXXX XXXX, XXXX, my principal loan balance then was {$140000.00} Caliber Home loans approved for interest only payment modification for 5 years however, it was contingently accepted pending on the reconciliation and rectification of the above referenced " irregularities '' and " pyramiding '' practices by caliber Home loans. Since Caliber Home Loans could not easily coerce us into accepting an unfair interest only payment modification for 5 years without regards of answer to the unapplied and misappropriated, excessive and incorrect amounts of late and other fees that resulted to the unfair increased total balance, they resorted to the path of foreclosing our home.
Caliber Home Loans never had any unquestionable interest in modifying our loan.
Fact : On XXXX XXXX, XXXX, Caliber offered us HAMP loan modification of {$1400.00} per month which was higher than our payment on the original note of $ XXXX/month. This offer was not accepted by us. Subsequent request for Mortgage Assistance was flat out denied by caliber Home loans. On Appeal of the denial on XXXX XXXX, XXXX, Caliber a
|
| 05/21/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
At the end of XX/XX/2017, after Hurricane XXXX hit the Texas coast, we applied for a disaster modification through Caliber Home Loans because my husband was unable to go to work for an extended time. At the time, we were told our account would be approved and not to worry about being behind on payments. The representative we spoke to told us to continue to make our escrow payments if we were able.While on the phone, I asked the representative if we should make a full payment for the month of XX/XX/XXXX, if we were back to being financially stable. She point blank told me no, and that all I needed to do was make escrow payments. After this, I called in at the XXXX of every month for the next 6 months to check on the status of our modification and to make an escrow payment. Each time, I was assured that we would get approved and to ignore any foreclosure paperwork we received in the mail, which was at least one letter every week. Flash forward to XXXX, and we received notice via mail that our modification was denied and that we owed a total of almost {$9000.00} in back payments. When we called in to check on this, we were told that our payment would increase with the modification, so it was denied. This possibility was never even discussed with us. On XXXX XXXX, we were told that we could reverse the escrow payments we had been making for the past 6 months to apply to the amount owed, and that if we did this, we would still owe around {$4500.00}. We pooled our savings accounts, and my husband took a loan out against his retirement account to come up with the {$4500.00} we were told we actually owed. On XXXX XXXX we called in to make this payment. We were again assured that the amount of {$4500.00} was all we owed since the rest was in our escrow account. 5 days later, I called in to make our normal monthly payment. At this time, I was told we owed an additional {$67.00} to what we had already paid. Without arguing, I paid the extra {$67.00}. I was again assured that our account was current because the rest of the funds were in our escrow account. On XX/XX/XXXX, we called back in because we received a letter stating we were in preforeclosure. Again, we were told this was an error, and that our funds were in the process of being reversed. We were told to call back on Friday,XX/XX/XXXX to check on the status of our reversal. When I called on the XXXX, I was told that no one was available that could provide information about this process, but was yet again assured that it ( escrow ) was in the process of being reversed. Today, XX/XX/XXXX, we called back in to again check on the status of this reversal. This time, we spoke to a woman named XXXX who told us that the reversal was impossible because our escrow account had already been adjusted and audited for the year. She stated that this took place on XX/XX/XXXX and that the other agents we talked to were probably not privy to this information. We are now being told we still owe them this {$4000.00} ( thats weve continuously been told not to worry about ), and that the process of reversing our escrow now ( if its even possible ) will take months. At this point, our delinquency has not been reported to the credit bureaus, so our credit has not been affected. Yet. However, this entire issue could have been resolved if someone had better explained the disaster modification to us ( and the fact that we could be denied ), or if we had not been told we could reverse our escrow, or if there had been consistent communication on the part of Caliber Home Loans, period. At this point we are seeking the help of legal consul because of this gross miscommunication and lack of disclosure.
|
| 08/08/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Please allow this letter to serve as a formal complaint regarding Caliber Home Loans, and specifically regarding loan account number XXXX for XXXX XXXX and XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, GA XXXX.
As you can see on the attached excel spreadsheet, there are many discrepancies with the amount of money that they state we have owed, have been behind on, as well as payments they have not received/recorded.
When we filed bankruptcy in XXXX, after the market crashed, we had to be current on our account in order to keep our home. However, shortly after that, we were served papers that we were behind, although we had receipts of our payments. We paid the difference in order to keep our home from going to foreclosure.
In XXXX XXXX, we received a letter that we were behind on payments again. Once again, we sent receipts for all of XXXX payments. We ended up paying {$10000.00} at once to keep our home from being foreclosed. For a few months, we spoke to many different representatives, and were given many different amounts that were due to make our account current. However, once again I have receipts backing each of our payments made in XXXX. We made a payment each month. But, in XXXX of XXXX they sent a check back and did not accept it, stating that we were behind. After sending my receipts, they still proceeded with foreclosure, forcing us to pay the {$10000.00}.
Prior to us making a payment of {$10000.00}, we were told that we owed, {$17000.00}, {$8600.00}, {$8500.00}, {$8100.00} depending on whom we talked to as well as different letters or statements we received in the mail within days from each other. We were told we were missing payments for XXXX, XXXX, XXXX and XXXX of XXXX, but when I showed the receipts for these, they could not tell us what we months or payments were behind or short on. I have correspondence from them in writing as well, with many different discrepancies.
Then, yet again, we get another letter from Caliber Home loans and had to pay another fee of {$1900.00} although I made each monthly XXXX payment in full and on time. They can not explain this discrepancy either. They originally said we owed over {$5000.00} to make the account current.
They say we are behind on our escrow because of tax increases, and that our payment is changing to make up for the short escrow of {$1100.00}. After investigating this, our XXXX taxes due were {$2000.00}, and our XXXX taxes were {$2000.00} for XXXX, so not much of an increase to justify adding almost {$100.00} per month to our escrow. Our house insurance did not increase either.
In addition, according to all of my paperwork, my loan should mature XXXX after a 30 year term. According to their records, it will mature XXXX. Yet, the records they sent me in writing shows that my loan matures in XXXX.
My husband and I have tried on numerous occasions to communicate with them via telephone, by writing letters, sending in proof of payments, etc., and I can not get them to explain the discrepancies. They ca n't give us the answers, and just flood us with paperwork. When they respond to my letters and requests, it is statements, letters or paper work that still shows discrepancies.
I would like for someone to look at the paperwork that I have, and ask Caliber Home Loans to prove the discrepancies, especially the {$10000.00} they charged us, as well as recently the {$1900.00} they charged again.
I would appreciate any feedback you can provide, and any advise too. I can be reached on my cell phone at XXXX or my husband can be reached at XXXX.
I thank you in advance for looking into this for us.
Warm Regards, XXXX XXXX XXXX XXXXXXXXXXXX XXXX
|
| 12/18/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX FHA Case Number : XXXX Service Loan Number : XXXX Attention : Caliber Home Loans : XXXX XXXX XXXX XXXX XXXX, OK XXXX Dear Caliber Home Loans : This letter is to bring to your notice that the increase in our mortgage payment from the regular monthly payments of {$1500.00} to {$1800.00} ; an added increase of {$250.00} per month, of which you now imposed on us, starting XX/XX/XXXX, is not affordable, and will cause multiple hardship including serious impact on our credit rating and credit score.
I see this as elements of continued harassment you inflicted on us in the pass with multiple phone calls for one of the trial period payments shown below, that was already made. Your action then, resulted in me and my wife experienced bad credit ratings, and as a result, I had to hire an attorney who filed a case against you resulting in a local court charging you a fine, for being unjustly unreasonable.
My wife and I has been clients of yours since XXXX of XXXX. We experienced hardship ; and did get behind with our mortgage payments. However, we did our best to make payments after getting behind three months ; at which time you refused to accept payments until our deficits to you was more than {$14000.00}! At that point you filed a foreclosure against us, but the XXXX who we serve and trust, hear our prayers and helped us to remortgage our home through the Home Affordable Modification Program ( HAMP ). Notwithstanding, our present mortgage payments are not as affordable as the original mortgage ; but we had no choice ; we need a roof over our heads, and the good Lord in whom we trust, helped us keep our home.
The original Mortgage was suspended then, and we accepted the opportunity to enter into the conditional trial period plan under the FHA ( HAMP ), and as stated in the agreement : a trial period plan, that encompasses a three months period for making payments was formulated and put place as noted below : First payment {$1600.00} by XX/XX/XXXX Second payment {$1600.00} by XX/XX/XXXX Third payment {$1600.00} by XX/XX/XXXX We fulfilled the above trial period on time, but was harassed for the XXXX payment after it was already paid. As a result I was forced to file the above mentioned law suit against you, and we were compensated with a small restitution as ordered by the court.
Moving forward since the trial period, the regular monthly payments has been {$1500.00}. 27 of which includes escrow for taxes and insurance and or PNI/MIP fees. Hence, the principal and interest adds up to {$1000.00} ( Mortgage payment ).
I will remind you that this deal is not as affordable as the first mortgage of XXXX, of which was {$220000.00} ; and as you are aware, the present mortgage amount is {$230000.00} of which our present mortgage payments only apply to XXXX ( First mortgage ), because the remaining {$25000.00} is processed as a second mortgage and does not includes these payments, but will be accounted for, at the sale or remortgage of the property, as noted in the contract.
As mentioned earlier, the present increase/hike, in the monthly payments you imposing on us, is not affordable! I am therefore asking you to keep the payments as they were because our monthly payments include Taxes and Insurance as calculated in the monthly payments and verified in the past statements to date.
Please be advise that for this unreasonable action imposed on us, I filed a complaint to the Consumer Financial Protection Bureau ( CFPB ). I may be forced to report this matter to the XXXX and other related agencies. But as for now, I will seek legal advise.
Yours Truly XXXX XXXX
|
| 03/25/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
In XX/XX/XXXX XXXX was undersigned beneficiary of my mortgage loan, XXXX initiated foreclosure XX/XX/XXXX, quality loan services was assigned/appointed to handle foreclosure process on XX/XX/XXXX. Trustee sale was scheduled for XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX that my mortgage loan had been sold to them, effective XX/XX/XXXX. In summarizing loan assumed they listed acct. no. XXXX, which is not the acct no. that matches that loan. Listed mailing address is c/o caliber homes loans inc. XXXX XXXX OK, XXXX. No assignments are recorded. On XX/XX/XXXX a recorded assignment-Washington assignment of deed of trust XXXX f/k/a XXXX [ assignor ] transfers, grants to XXXX trustee for XXXX [ assignee ] .The notary is clearly fraudulent, notary dated XX/XX/XXXX. XXXX continued foreclosure process, foreclosure postponed 3 times until XX/XX/XXXX. Advertising was done only for original auction date. In XXXX property was puchased that had 2 separate tax parcels. In XXXX I noticed XXXX and XXXX had not been paid. [ XXXX I refinanced ] I paid these years and continued to do so to present. XXXX and previous lenders/servicers had been informed of tax issue without resolve.I was behind in taxes for this parcel, the co treasurer sent a foreclosure warning in XX/XX/XXXX at which time I corrected to keep from foreclosure. On XX/XX/XXXX I paid taxes for my parcel XXXX and later noticed co billing didnt seem right, on co taxsifter indicated parcel XXXX had been paid by XXXX for years XXXX, XXXX and XXXX. I had received no delinquency notice from the county. The deed from XXXX [ XXXX ] lacked property description for XXXX. Essentially lenders/servicers had no evidence of this parcel existing. I called XXXX and they informed me that caliber had owned the loan since XXXX. Please reference complaint/case no XXXX re XXXX loan XXXX. The XXXX rep said taxes had been paid directly to the county on XX/XX/XXXX by XXXX, and that parcel XXXX had also been added to the loan at that time. She also said the county had notified caliber that the taxes were delinquent, that the property was an REO XX/XX/XXXX.Rep quoted loan no XXXX which is loan no ive had for many years, she also quoted the other loan no. The loan number caliber assigned on XX/XX/XXXX XXXX is interesting as the first 5 numbers is zip code of previous residence and the last 5 are the same as XXXX/ XXXX XXXX zip. The entire foreclosure process from XXXX to present is completely unclear to me and have been unable to get information from anyone. Caliber sent me a XXXX in which the XXXX is listed as the auction purchase price. The property was not abandoned, I am unclearand dont know of any acquisitions. Apparently caliber was the foreclosing bank on XX/XX/XXXX. The REET affidavit is signed by calibers grantees agent XXXX who can not be identified as an agent of caliber. XXXX as agent for quality can not be correctly identified as well. The filling out of the REET is also questionable as it apperars to have been altered. Co treasurer says the payor listed as XXXX stands for XXXX, of which I may have evidence of altering after the refi loan was signed in XXXX. XXXX also signed the trustees deed upon sale. Caliber did not assign quality to continue foreclosure, quality did not act in good faith in assuring the actual holder of deed/note. Niether XXXX or caliber can provide adequate proof of possessing the deed. Assignments from XXXX are conflicting and contain well known robosigners in XXXX assignment. The XXXX foreclosing note referenced is also signed by a robosigner, in which the name is spelled wrong. The loan is not a XXXX as indicated in previous refi 's
|
| 03/23/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
Our issues involve our mortgage co. In XX/XX/XXXX, XXXX XXXX sold our mortgage to Caliber Home Loans. In XX/XX/XXXX, Caliber offered a home modification to lower the interest rate and to correct the issue that XXXX created during the process. We accepted and step by step we followed Calibers policies and procedures in obtaining the modification. We were told we could not make any house payments during this time bc it would create an incorrect amt when it came time to close. I spoke to Caliber frequently as to the progress and was reassured every thing was going accordingly. I would offer to send money every month but they assured me I was not to send money. We started receiving default notifications the first month we didn't make a payment. Caliber was contacted immediately and we were informed not to worry about the notices, they were computer generated. XX/XX/XXXX, all info and documentation was forwarded to Caliber for processing. Over the next couple of months, Caliber requested updates documents which was sent immediately. In XXXX, we received a letter stating he didn't qualify because 24 months had not passed since his last modification. They stated he must pay {$4000.00} by XX/XX/XXXX or foreclosure was imminent. Shouldn't this have been discussed during application time? XX/XX/XXXX, a letter was received for us to apply for a loss mitigation. We had no choice but to apply. It took another 3 months for the processing and we were informed XX/XX/XXXX, that we weren't approved bc it had been less than 2 years since his last modification and nothing they could do except start foreclosure procedures unless we sent {$6100.00} immediately. XX/XX/XXXX, they said we could reinstate the loan, but XXXX would have to be sent immediately. We hired an attorney to help us in XXXX. They said they would stop foreclosure and get this straightened out. We have to send {$1500.00}, to this attorney but felt as though it would work out. In XXXX the attorney was contacted and informed us there wasnt anything they could do. The attorney admitted she never had licenses to practice here, so we were scammed. After threatening to call law enforcement, she wired money we sent back to us. XX/XX/XXXX, we found a local atty, that filed Chapter XXXX for us and saved the house. Caliber knew from the beginning we wouldn't be approved bc they were aware of the loan modification that was incorrectly done by XXXX during the transition. XXXX was investigated and found to be in violation of federal law in mishandling loss mitigation requests. We were awarded a settlement bc we were one of the unlucky ones. Since Caliber has taken over they have tried to foreclose 3 times and each time has been their fault. In XX/XX/XXXX, we received a letter from our attorney saying Caliber reported to the bankruptcy court we were 2 months behind. This was never the case, I found the error and it was Calibers fault. We still had to pay Calibers attorneys but we were reimbursed the money they said we owed. The bankruptcy was paid and discharged in XX/XX/XXXX. I called to make a payment for XXXX, Caliber informed me payment could not be accepted bc we are in foreclosure. They stated the XXXX payment was made but they wouldn't tell us how. Now I have been trying to get this straightened out with Caliber but am getting nowhere again. I'm going to have to hire an attorney once again bc of Calibers negligence and not giving us answers makes me wonder if fraud isn't their purpose. We have every confirmation from them since day one that payments were made and on time. Caliber has created health issues between the 2 of us. Something has to be done.
|
| 08/18/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/2018 we closed on our house. I signed a piece of paper in our closing paperwork agreeing to make a payment by XX/XX/2018 in the amount of {$1100.00} of which I paid on XX/XX/XXXX. I received a statement in the middle of XXXX from Caliber home loans that stated the next payment wasn't due until XX/XX/2018. I received another statement in the middle of XXXX that stated once again that the payment wasn't due until XX/XX/2018. I received monthly statements in the middle of XXXX, XXXX and XXXX that all stated our monthly payment was {$1100.00} of which all were paid on time. At no time did it ever say we were behind on any payment as you can see in the attached statements. We were always current up until XX/XX/2018. On XX/XX/2018 I received an email that said thank you for your payment on XX/XX/XXXX. Since I hadn't made my monthly payment yet I logged online to follow up and that's when I noticed that we had a bill for {$2300.00}. I then called Caliber 's customer service line and was told all of a sudden that I had always been paying a month behind. Upon further research I noticed that as of XXXX all of our payments had been reversed and applied to the month previously as shown on the attached payment history. I also discovered the maturity date had been changed on the bills from XXXX to XX/XX/XXXX, which at no time did anyone request this change. I spoke with a supervisor who advised me to send in a dispute letter. Later on that same night I called back to follow up and was advised to make our same payment of {$1100.00} until they could investigate the problem. After not hearing anything, on XX/XX/2018 my girlfriend of whom is also on the loan contacted Caliber Home Loans customer service and was told the dispute department received our letter the day before. We were advised to give it more time for investigation. Later on during the day both of us received notifications that our credit scores had dropped considerably due to 30 day late payment on our mortage. Then again on XX/XX/2018 we contacted caliber home loans customer service once more. At this time the representative advised us that on XXXX an error had been found on the account and was fixed which was causing us to be 30 days behind so we asked to speak to a supervisor who admitted there had been an error corrected but was unable to explain why it had taken 4 months to catch. She then stated that our payment of {$1100.00} paid on XX/XX/2018 was applied to XXXX bill instead of XXXX bill which explained why we were a month behind. The only solution offered was a payment plan or waiting for further investigation to be done from our dispute letter. We were then transferred to the collections department who offered repayment added onto each month for 3 months or payment in full or we could also wait for a resolution from our dispute letter however she indicated errors in the transaction history, but at no point was the damage to our credit scores acknowledged. As this time I stated I was going to file a complaint and contact my attorney. When our attorney contacted customer service within 10 minutes of the last phone call, she was unable to speak to a supervisor. Our attorney was advised that a representative from Caliber Home Loans legal department would be contacting her the next day, XX/XX/2018, via telephone. As of today, XX/XX/XXXX, our attorney nor us have been contacted by the legal department. We did however receive a letter in the mail stating we are 2 months behind even though our XXXX payment was paid on XX/XX/XXXX which is within the 15 day grace period. Upon looking online we see that XXXX 's payment was paid to XXXX.
|
| 03/25/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
My loan was originally with XXXX XXXX Bank, I have submitted modification applications with XXXX a few times and have always submitted the paperwork they have asked me for. XXXX held on to my paperwork without any action, so I assume they knew they were selling my loan to another bank. I have done financials over the phone with Caliber Home Loans since they have assumed my loan from XXXX, I have also faxed over to them financials and have asked what information they need from me. I spoke with a Supervisor from Caliber XXXX XXXX and explained my hardship to him and another agent. I was involved in a serious Bus accident that left me XXXX XXXX which has led me to have a XXXX hardship. In XXXX I spoke with a female representative at Caliber Home Loans that was extremely rude to me and did not explain things properly to me after I asked many questions regarding my rights and options to save my home. At that time I asked for the supervisor I mentioned. I forwarded my SSI reward letter to Caliber and the other documents they sent me in their packet. At the same time I contacted the HARDEST HIT FUND who was also assisting me with trying to obtain a modification to save my save. I have suffered through XXXX XXXX in the past 2 years and can barely get around at this point especially when I 'm trying to heal. I have explained my situation to Caliber after they sent me a letter that came to my home around XXXX XXXX, XXXX. They letter stated that I should go online and see what documents I needed to give them. When I tried to go online that night, it said that I had no access. I called the hard hit program ran by XXXX to see what I should do because I 've submitted all of my documents to them including my wife 's Profit and Loss statement. I have explained this to Caliber XXXX XXXX, XXXX and they told me that it was too late because they need 15 days to review documents. I explained to them that I am XXXX at the moment because of my XXXX being just several months ago and that I would be able to fax what they needed right then and there and they were not willing to work with me. I also went to XXXX County Court to try and get a Sheriff sale stay and when the judge called the Attorney for the bank, the bank said they were not willing to work with me. I have suffered major hardships over the years and I was just asking for assistance now that my wife is helping me pay the bills and mortgage. My home went on sale XXXX XXXX, XXXX, no one purchased the house according to the Sheriffs office when I called today. The property has went back to the bank. Myself and the company helping me contacted the bank today to see if there was a way that I can continue with trying to get a Modification and the representative from the bank said no. I need help to please try to overturn the sale date that just happened yesterday XXXX XXXX, XXXX and only want to exercise my rights as a XXXX man with a family who 's only trying to get back on track. If I lose my home, I will have no place to go. I feel that the representatives at Caliber were not being helpful as I kept receiving different information from different representatives. I also do n't understand how and why when I sent applications for Modifications even before Caliber purchased my loan got totally ignored. I have also applied with Caliber XX/XX/XXXX and still received no help. I am able to pay a reasonable mortgage payment at this time. I have left my phone number with them and asked for the rep to contact me if I was missing something and I have n't heard from them so I assumed that everything was ok and my paperwork was being processed. PLEASE HELP ME KEEP MY HOME
|
| 12/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Our experience with Caliber Home Loans. Account XXXX We are having great difficulty communicating with Caliber Home Loans. Our communications have been tedious and aberrant. We need help addressing our concerns.
When we received our first statement my husband called caliber homes from the number that was published on our first payment coupon. He told them that he wanted to pay off the mortgage in its entirety and wanted them to provide him with a payoff amount. Our intentions were to mail the payment with a cashiers check from our personal bank. XXXX asked for a payoff amount that would be valid through the next month to make sure that the payment would satisfy the lien.
We were told by our lawyer at the real estate closing that we should not wire money to Caliber Homes when we wanted to pay off the note for security purposes, we should get a cashiers check from our bank. We complied.
We mailed the check to Caliber Homes to the payment address on the statement. We were never told to get a PAY OFF NOTE or to send correspondence to a different address.
We verified the check had been cashed by Caliber and I called to ask how the escrow account and property taxes were handled. I told the agent we had PAID the loan off and I was doing my due diligence to make sure our account was in good standing and to follow up on taxes and escrow and to see if there were any credits due. I was told that there was a credit of XXXX ish dollars. The agent went on to tell me I should expect a check from caliber in about 21 days.
I called back in approximately 30 days. The agent said our check was in the mail and we should get it next week. I waited. No check. At this point I had XXXX call because I was concerned. He was told that it may take 2-3 months to process and it hadnt been mailed.
At this point we have had XXXX contacts with Caliber Homes where your agency has had time to tell us the loan was still open and had not been closed. How are we supposed to be responsible for following procedures that your employees are not aware of?
Fast forward XX/XX/2022. We receive a statement from Caliber out of the blue telling us we are delinquent and owe XXXX and the loan is still open. Imagine our surprise!!!! We told your agency to PLEASE PLEASE escalate our concerns to a manager. We were very concerned about our credit and to NOT turn us into a credit agency until our case could be reviewed by an account manager.
Well our case has never been reviewed. NO ONE has ever called us back. Kevins credit has been attached. It should be noted his score is still XXXX. He is not a liability, and we have been responsible. We also received a foreclosure notice.
Since this date we have called FIVE times. Some associates have been knowledgeable and we have learned our pay off did not process through the correct system and somehow Caliber NEVER sent statements or had associates that could identify there was a problem and let us know how to satisfy this endless nightmare.
In conclusion we wired {$6900.00} dollars to Caliber Homes on XX/XX/2022 after we thought we had satisfied this note. We would like an account manager with authority to review our case and and provide us with a detailed financial breakdown of all charges and payments associated with account number XXXX.
XXXX phone calls later, we still dont have answers. This can not be usual and customary behavior. Please help us clear this matter.
Sincerely, XXXX XXXX XXXX acknowledges a record of calls and representatives.
I have sent this note to customer complaints department XXXX phone number of Caliber Home Loans Sent from my XXXX
|
| 03/26/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have filed a formal complaint with the CFPB ( # XXXX ) and will be seeking attorney representation for a potential lawsuit if this is not resolved immediately. My Homeowners insurance policy through XXXX was set to expire on XX/XX/XXXX, I have confirmed that Caliber Home loans sent the funds for renewing this policy as part of a bulk check that went out on XX/XX/XXXX. Inexcusably, this allowed 5 business days for XXXX to receive the funds and apply them appropriately to ensure the policy does not lapse and the account is not frozen. On XX/XX/XXXX, with a Caliber Home Loans representative on the line, we contacted XXXX to see about expediting the funds application process. XXXX informed us that they still had not received the check, in the meantime my basement crawl space flooded with sewer water. I reached back out to Caliber Home Loans on XX/XX/XXXX and spoke with XXXX XXXX ( Employee ID : XXXX ), who claimed to be in the insurance department for Caliber Home Loans. Together we contacted XXXX again attempting to expedite the process so that I could file the claim for the sewage water. XXXX reasonably informed us that they must allow 30 days for funds from a bulk transfer to be dispersed at the loan level for insurance policies to be renewed. XXXX said there are no exceptions to this policy, XXXX XXXX informed me on a recorded line that the only option was to let Caliber Home loans write another check for the homeowners insurance policy to come out of my Escrow account. I declined and stated that I should not be penalized for the lack of timeliness displayed by Caliber Home loans in sending the funds 5 business days before the due date knowing the XXXX policy required 30 days to apply the funds. She repeatedly stated that there were no other options to get this resolved in a timely manner. I said that I refused to deal with the inevitable escrow shortage issues that would arise due to the carelessness of Caliber Home loans during this transaction to date, I pleaded with XXXX to transfer me to her superior. She declined only to say that he was out of the office, that I could leave a message and she could put in a request for a call back within 2 business days. As this is a serious issue and time is off the essence this was not a satisfactory resolution. The call ended and XXXX XXXX stated she would call me back within 1 hour ( by XXXX XXXX ) to provide me corporate complaint phone number and email address to get this resolved. Since then she has not contacted me back and is not answering my calls to her direct line.
After numerous attempts to contact XXXX XXXX and her absent supervisor XXXX XXXX, I attempted to call Caliber Home loans customer service to be transferred to another insurance representative. That is when I began speaking to XXXX ( Employee ID XXXX ), XXXX refused to transfer me to the insurance department until I stated when I would make my XX/XX/XXXX payment. He stated that because I was delinquent I had no right to speak to another department until his collections documentation had been completed. XXXX continued to lecture me on mortgage payments and made multiple rude comments about my age which I found to be inappropriate, unprofessional and potentially illegal based on the fact that age is not permitted to impact your servicing of my loan. Once I answered XXXX inappropriate line of questioning I was transferred to his supervisor XXXX XXXX ( Employee ID XXXX ) who informed me that Caliber Home Loans did not employ anyone by the name of XXXX XXXX or XXXX XXXX and that there was no insurance department within Caliber Home Loans to transfer me to.
|
| 12/13/2023 |
Yes |
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
The house, located at XXXX XXXX XXXX XXXX in XXXX NJ. XXXX, was purchased in XX/XX/XXXX. Shortly after, the mortgage company was changed to Caliber Home Loans. Monthly payments were being made and there were no issues with the mortgage or the taxes until XXXX. I was made aware of an increase with the mortgage when I contacted Caliber Home Loans to explore refinancing options. It was then I was informed that I could not refinance the home because there was an issue with the taxes on the home. I contacted the City of XXXX New Jersey, since the house is located that city. I spoke to the tax collector, and he informed me that he was not aware of the issue. He proceeded to reach out to the tax assessor XXXX XXXX. Immediately after hearing the house address, XXXX XXXX stated that he is aware of an issue, and he is working to rectify it. XXXX XXXX then went on to explain what occurred, which I did not comprehend. Anyhow, I was assured that the issue would be addressed, and the mortgage company would be reimbursed for the over charged taxes. Several weeks when by and each time I contacted XXXX XXXX, I was informed that the issue is still not addressed. Eventually, I reached out to the city council member for the area where the house is located to enlist assistance to resolve this issue. The city council members held an emergency meeting, and a referendum was passed clearing the way to begin the process to reimburse Caliber Home Loans.
The check in the amount of $ XXXX dollar was sent to Caliber Home Loans and for several weeks and possibly months after the check was cashed by Caliber Home Loans, they claimed they never received the check. Thus, the beginning of constantly calling Caliber Home Loan followed by financial hardship and the house being placed into foreclosure.
It was identified that the check was cashed in XXXX of XXXX, however, my account was not credited, even though I continued to make the monthly mortgage payment. I spent countless hours calling Caliber Home Loans pleading with them to explain what was going on with the account and the money was reimbursed. Each time I called ; each representative provided a different explanation. In XX/XX/XXXX, I spoke with a manager, and she informed me that the money was applied to the account and as of XXXX of XXXX, the account would be updated and there would be no outstanding balance. In addition, she promised to mail the information that would reflect the updated account, but that never happened. Prior to my conversation with the manager, every representative I spoke to promised to escalate my concerns and they each promised to call with an update, but that never happened. As expected, I was frustrated, and I kept calling and kept getting different answers and the amount that was outstanding changed every time the mortgage company was contacted.
I hired a lawyer, but the results were not in our favor. The lawyer wanted the me and my mom to take out a second mortgage to satisfy the outstanding balance, but that recommendation was not accepted. Instead, my mom took out a loan in excess of {$25000.00} to pay what was allegedly owed to avoid foreclosure.
In the meantime, our credit scores were dropping, and I was denied accesses to credit. There were countless calls from collection agencies.
Eventually, Caliber Home Loans sold the mortgage to XXXXXXXX XXXX and the issue continued to the point where XXXXXXXX XXXX stopped collecting the monthly payments and placed the home in foreclosure. As previously mentioned, my mom took out a loan to pay the outstanding balance, since both of us did not want the lose the house.
|
| 07/15/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
My loan was transferred from XXXX XXXX XXXX to Caliber Home Loans late last year and I have been having the worst time dealing with Caliber Home Loans. I was working on a loan modification with XXXX XXXX XXXX at the time of transfer. When my loan was transferred, Caliber Home Loans placed a sale date on my property and told me that I needed to fax them or email them my documents for modification review. Even though they postponed the sale date, during the whole month of XXXX and XXXX, I faxed in packages but was told repeatedly that they never got either my fax or emails with the documents. I eventually sent a certified package through USPS so that I could see if someone sign for the package. After three months they finally put my file in review but also kept having sale dates posted on my property even though I thought during a modification they are suppose to temporarily suspend the sale dates. I was declined XX/XX/XXXX and have tried to re-apply but the same thing keeps happening on them losing packages. In XX/XX/XXXX when I got declined, I tried to re-apply for assistance but they said that there was nothing they could do because I had a sale date for XXXX XXXX so I tried to setup a re-payment plan. I requested to have something in writing in regards to the payment plan but said that if I did not wire them the {$10000.00} that they could not postpone my sale date. My wife ended up filling for an emergency bankruptcy the day before the sale because we did not have anything in writing from the bank showing a repayment plan. When I spoke to the rep about this he said that there was nothing in writing that they were going to send, so he lied because the day of the sale, we received the paperwork in the mail for the repayment plan. We ended up not going with the repayment plan because I was told that our bankruptcy eliminated the plan. Moving forward, I emailed a package last week on the XXXX of XXXX because I have a pending sale date for XX/XX/XXXX and as of XX/XX/XXXX they have not received my email. In addition, every time I call I am being discouraged from trying to apply for a modification. I get ripped apart by the reps for being behind on my payments and even though the are not the ones making a decision on my file, they constantly tell me that my modification will be declined no matter what I do. I feel like this bank is doing everything that they can to lie to me about my packages not being received. I also had a sale date last month ( XX/XX/XXXX ) and was told not to worry because my sale would be postponed but the morning of the sale, I called the trustee and they told me that I was lied to ad that the sale was active. I called the bank to ask why a rep would tell me that there was no sale date and was told that they were sorry and did not know why a rep would tell me that. I ended up having to file for a emergency bankruptcy under my name the same morning of the sale in order to avoid the foreclosure. Even though I filed the bankruptcy, the trustee still has a tentative sale date listed for XX/XX/XXXX. This bank has been nothing terrible during this process, nothing like XXXX XXXX XXXX. I am now afraid that next week they are going to do the same thing to me as they did last month. Caliber home loans I believe is violating my rights to apply for a loan modification. They constantly lie and discourage me from applying for modification assistance. I am running out of options and every time I call they say they do n't have time to work on anything because I have pending sale dates. It 's impossible to work with this bank.
|
| 04/25/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
XX/XX/XXXX, I lost my husband to XXXX. Until that time, we had XXXX incomes and decided we wanted to buy a home, both of us in our XXXX 's, decided it was time and coming into the age of retirement. I worked for XXXX for 15 yrs. and my husband worked as a XXXX. In the course of my job, I got injured on the job, and had XXXX XXXX, which left me declared XXXX my Social Security and my XXXX, who represented the courts. My job was unable to accommodate me anymore, and was forced into an early retirement. My husband passed in XXXX XXXX, and we had discussed that we wanted to live and retire where I currently livig now.
I contacted XXXX XXXX XXXX XXXX and applied for a loan. I had been visiting the area where I currently lived for 6 months on weekends looking at homes. My realtor let me know of this XXXX home that I might be interested in, and I came out and viewed it, loved it and proceeded with the financing application, in which I got from XXXX XXXX.
The deal went through, I got my home and was thrilled. This home is in a rural area and was not aware of the costs that exsist with rural living, being I lived in a big city all my life. The expenses were high, propane, fire insurance, yard cut backs for fire prevention, firewood, certain moduels had to purchase to be able to get phone service etc.
Being on a fixed income, these depleated my income quickly, but I found certain programs that would help me, being XXXX and a XXXX, to cut back my electric bill and water, and go to the dump to dispose of garbage instead of garbage service.
A couple of months later, XXXX XXXX, sent me a letter stating that my loan had been sent to another Lending company, Caliber Home Loans , Inc., and that they would be my new lending company and my payments should be sent to them instead. They gave me all the information, and where to send payments.
The first 2-4 months were fine, being it was XX/XX/XXXX and none of the other expenditures had come into affect yet. After the first year and the other expenditures came into affect, is when I found myself with little to no money at times. At this point, Caliber knew of my income status and bought my loan.
Around about XXXX XXXX, I contacted Caliber Home Loans, and asked for a modification, to try and reduce my mortgage payments to something a bit more workable. They gave me the information I needed to apply for a modification and I proceeded to provided them with what they needed to make a determination of my request. They kept in contact with me, asking e for more documents and I would fax them to them. A few weeks passed, and they would be requesting those same documents over and over again. Sent them banks statements, letters from my retirement plan, which is a lifetime benefit that states that on the letter, social security benefits letters, which is a lifetime benefit, hardship letters, budget assessment etc. We have gone back and forth with these same requests for over a year. Finally, got a letter of denial and foreclosuer notices, commencing in XXXX XXXX to current date of XXXX XXXX, which just received another notice of postponment to XXXX XXXX.
I have talked with attorneys and have been told that they have proceeded with my foreclosure in an unlawful way. I ca n't afford an attorney to help me with this matter, so Im trying to get some assistance to save my home..I do n't want to loose it, its all I have. If they could just lower my mortgage payment by {$300.00}, we both could be happy ... they get money and I could keep my home. Please assist me in any way you can ... need help and quickly.
|
| 07/01/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My house flooded out causing damages that are in excess of XXXX. I am insured with XXXX XXXX. The insurance company issued a check in the amount of a little over XXXX to both the mortgage company and me. At that time it was my understanding that my mortgage company was XXXX and it was when I called to notify them of the loss at which time I was told that XXXX would simply endorse the check back to me so I could get the rapairs made. Two hours later XXXX contacted me back and told me that my mortgage had been sold to Caliber Home Loans. I then called them and told them what had happened. I was told to send them the check and that they would then send another appraiser over to make sure that XXXX XXXX had figured enough for the damages. I told them that I had agreed to do the job for what XXXX XXXX was paying to which I was informed that Caliber does not let " homeowner '' do their own repair and that it would take up to 5 weeks for them to have it appraised and get someone over to give a bid. I told them that I was a licensed contracter and I would make the repairs myself, at this time I was told that I would NOT be paid for any repairs made. I have made all the repairs with the exception of installing the carpet and the countertops. I have put out over XXXX total into my house at this time. Caliber has told me that I would have the total check sent to me and that if I sent a self addressed pre paid envelope for over night delivery that that I would have the check in 3-5 days. That was almost a month ago. I have been told this by numerous people yet at the same time everytime I talk to someone I get a different story. Last Thursday it was requested that I send them my receipts which I did. I was told I would get a check in 3-5 business days. TODAY I was told that a check for XXXX was sent out yesterday and that it would be up to 5 weeks before another one was sent. My house has no dining room, kitchen, master bedroom, dining room or master bathroom since XX/XX/XXXX and tomorrow is XXXX XXXX. This is totally unacceptable. My original paperwork from Caliber says that the only thing they will be doing is accepting the mortgage payments and all other parts of the mortgage agreement will remain in force. XXXX policy was to endorse the check back to the homeowner and let them get the job done either by themselves or a contractor of their choosing, THAT IS WHAT CALIBER IS SUPPOSE TO DO AS WELL, however they have point blank told me personally that they own my house and that I only pay rent on it. I asked them if they had contractors come give bids on my house and they bid morel than what XXXX XXXX 's quote was what would happen and they told me they would go to XXXX XXXX for more money, I then asked them if the bids came in less than what XXXX XXXX quoted, if I got the money back and I was told " NO, that 's our money ''. They seem to forget that I have personal losses involved as well, I have property that was damaged. I have paid out for the water mitigation and drying out, yet I get no money for that whatsoever. I 'm going on 90 days of having to live like this and put my money out of my pocket on this job, that is not right. The majority of contractors get money " up front '' before even starting the project and if I were a " preferred '' contractor of XXXX they would have made a single copy check to me as a contractor instead of a dual check to the contractor AND the mortgage company. I am due my money, they have received a proper invoice yet they fail to pay anything more than XXXX % when the project is at approximately XXXX %.
|
| 03/10/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
In XXXX of XXXX my fiance had XXXX XXXX and XXXX XXXX. This set us behind. I am XXXX. My XXXX son is XXXX.
I immediately contacted our mortgage company to apply for help. They said the best bet was to apply for a modification. So I went through the steps to do this. They continued to send me updates that they needed additional and then additional information so months passed.
I emailed it to them and continued to receive emails that they didn't have it. I have the the emails.
I then was able to upload some of the last documents on the due date. We had to wait because I was trying to get letters from my fiances employers to validate his income since returning to work. Which is why I had waited.
I called and was told that that they closed my application several days before my due date. Even though I had it in writing when the due date was, they refused to honor it.
I was then told my house was in foreclosure which I had no idea. So after fighting with them, they told my fiance it doesn't matter because we wouldn't qualify to begin with because it had not been a year, which we should have been told when I called in the first time or at any of the other document/request submissions.
My mother wanted to know the past due amount and was willing to help us get caught up. We are very, very lucky that she was willing to do this.
Then we got the run around about they had to get the fees, so we got the fees and my mom sent them a personal check # XXXX, usps priority mail Tracking Number : XXXX. We asked three times if a personal check would work, because they wouldn't accept a checking account bank transfer. Which is what we wanted to do because it was the fastest and most secure but they refused to unlock our online account to let us make a payment that way.
Now they are sending the check back because it wasn't " secured '' when they are the ones who told us to send a personal check. They also tried to say it was a third party check, which is not true. It was made out directly to Caliber Home Loans.
Frankly a money order or certified check is not traceable like a check number. And I would not send money via XXXX XXXX and have to pay for it to pay them. That is asinine. They have proven to be untrustworthy liars, why would I send them a payment form they could try and say they didn't receive. I'm not an XXXX.
Now they want to charge us more fees because they did not take it out of foreclosure when we sent everything to begin with.
So we've been lied to multiple times, on many issues, and are still being screwed over by the company.
We called Caliber on these dates and times to try and get everything straightened out from the modification to paying the past due to get out of foreclosure times are in pacific time, we are in Oregon XX/XX/XXXX XXXX XX/XX/XXXX XXXX 15min37sec This was the call I was told that a modification was possible and to apply for that and that they would mail me the application.
XX/XX/XXXX XXXX 21 min XXXX XX/XX/XXXX XXXX 20min 16sec XXXXXX/XX/XXXX XXXX 11 minutes 1 second XX/XX/XXXX XXXX XXXX 9 minutes 23 seconds XX/XX/XXXX XXXX 2 min 41 seconds -- given the past amount due XX/XX/XXXX XXXX 8 minutes 52 seconds -- told where to send check and yes a personal check was okay, XXXX asked them three times after trying to get them to let us do a bank transfer payment. They are purposely trying to make paying them to get out of foreclosure difficult and untraceable.
XX/XX/XXXX XXXX 20 minutes 27 seconds I really hope that you can assist with this. We don't want to lose our house.
|
| 06/13/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I wanted to file a complaint against Caliber Home Loans because they are claiming that I am XXXX months behind on my mortgage payments because for 18 months they claim I have been paying an incorrect amount for my mortgage. I have been with Caliber for 20 months and I filed for Bankruptcy in XXXX XXXX to stop the Foreclosure process with XXXX XXXX XXXX. I received a legal document XXXX XXXX, XXXX, stating that Caliber Home Loan wants to remove the past due amount from Bankruptcy. I believe that this is so they can start the Foreclosure process.
Reasons for my complaint : After my mortgage was purchased by Caliber Home Loans, I called to inquire of what my mortgage amount was. Caliber Home Loans accepted payments from me for XXXX months without notifying me that it was the incorrect amount and now trying to foreclose on my house because of that reason alone. I have spoken with agents at least XXXX times during those XXXX months ( asking for the correct mortgage amount or scheduling payment withdrawals ) Caliber Home Loans failed to recalculate my escrow account, I asked verbally and via letter, after I changed insurance companies twice. The escrow account, for the year XXXX, did not reflect the refund money order I mailed to the escrow department.
Caliber Home Loan failed to take a payment from me in XXXX XXXX. Stating because of the court date we can not take any more payments from you. I do n't know if this was legal because I 'm not in Foreclosure yet. I am still in Bankruptcy.
Caliber Home Loan stated that I missed payments for XXXX XXXX, XXXX XXXX and XXXX XXXX ( the payment they refused ). I have attached the breakdown of the Bankruptcy months that XXXX XXXX XXXX filed and they included XXXX XXXX inside of my Bankruptcy. So now Caliber wants me to pay twice for this month.
Caliber Home Loan stated that when they received my payment for {$630.00} they would hold it waiting on my next payment to make the full payment of {$780.00}. XXXX. However, the end of the year Mortgage Interest statement Form XXXX does not match what they were saying. Also the Mortgage Interest statement Form XXXX does n't match the escrow breakdown in XXXX XXXX XXXX documentation of the increase to {$780.00} There are a lot of discrepancies with Caliber Home Loans Escrow documents and payment documentation that can cause me my house. I 'm a single mother with a XXXX whom works part-time during the school year. I have been paying my mortgage and I would like to keep my house. I have to use my Bankruptcy lawyer for the Bankruptcy hearing however he states that I might have to include the 7 months they are saying I 'm behind inside my Bankruptcy that will raise monthly payment to an amount that I can not handle or give the house up. I only have XXXX more months in bankruptcy. I have paid my mortgage since I 've been in Bankruptcy and now Caliber is refusing my mortgage payment because of an error. I have written a detailed statement and attached proof of what I 'm stating. However, I do not have monthly statements because they stated that it was illegal to send me any monthly statements and I was not allowed access to the Caliber Website. If you notice in my documentation, the amount I have been paying with Caliber home loans is not even the amount I was paying before XXXX XXXX XXXX raised my mortgage amount. It was the amount from XXXX and in XXXX it changed to {$630.00}. I was informed that my mortgage amount was {$630.00} by Caliber Home Loans and was never notified on any conversation that was the incorrect amount.
|
| 05/26/2021 |
Yes |
|
|
|
Web |
|
|
My issue and complaints have not Yet been taken seriously, Ive contacted calibers hotline today & spoke to XXXX she was being rude, she told me I might need my lawyer which I dont have one nor retained one yet, but I have spoke to one to get a better understating as to whats been going on with closing on my loan, Ive been discriminated on, misguided, mislead, my anxiety has been all over the place due to what caliber has done, caliber has denied me the rights to use my fha streamline to refinance the house, this issue has been going on since last year of XXXX, everyone Ive spoken to on this matter to get advise has advised me that it should not take this long to close on a loan, I was given 4 different closing dates, I was told that a signature from my ex could borrower is all we needed to close on my loan, they never honored what theyve been promised me, Ive complied with everything the conditions Implied, I was contacted by XXXX XXXX stating he found a loop hole to close my loan out in a few days and all I needed was to send 6 bank statements which I sent in, I get a call from XXXX 20 minutes later Statinf what XXXX advised me was not true, I said are you telling me I am getting mislead again! They have failed me as a consumer, caliber has violated my rights and denied me fair equal housing act, caliber did not act in good faith on my behalf! The FHA states in guide lines if a person is removing or making a change to the loan nor title must have a death, divorce, or a legal separation! My ex co-signer boyfriend was removed my the XXXX XXXX police department 2 times for beating on me and running my daughters father over and taking off, I have court documents from the judge as final judgment they XXXX the ex co-signer is to pay me an amount if XXXX $ and a quit claim deed,! So denying me to use my streamline and removing the ex is not only going by a judges orders but only is not a fair act of equal housing rights, Id like caliber to be responsible for this mistake Theyve made and take Responsibility, the title company fort is also involved the woman Ive been emailing with stated they didnt know if this horrible situation and its very important to handle it ASAP and shes sent it over to her Vp, Ive also talked to a legal advocate counsel and they said if sounds like someone messed up my loan, Please dont close my complaints out and investigate this, no one from the resolution department has contacted me yet as promised, XXXX I believe shes a manger at customer service hot lime told me I should retain my lawyer to speak to calibers legal team, we states that to a consumer thats been very loyal to you caliber home loans???? So if you would like me to speak to your legal department please feel free to have them contact me XXXX or give me a name or number to contact I am representing myself as of right now until I know I need to retain my legal Team! Caliber everyone knows you cant find a way to close this transaction I have documents stop telling lies stop giving me the run around from the refinance team to the customer care team and send me to the right team, calibers team Does not care about us consumers they are not acting as a fair housing lenders! AlSO my ex co-signer was confided by XXXX XXXX and XXXX that he was removed off the loan last year of XXXX when I started the loan application, the title company cant record my deed they got, title company is not happy about this issues PLESSE dont ignore open all attachments if anything else is needed I got plenty more going way back since XX/XX/2021!
|
| 05/21/2022 |
No |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I had done a FHA XXXX XXXX XXXX signed and sent back XX/XX/XXXX. I was on covid forebearance for a year before that and was resuming payment to start XX/XX/XXXX for a set amount per the agreement. I have not been able to send in payments via their website and still have not been able to do so since the information on there is incorrect regarding my payments and I was told it won't allow me since I'm behind. But when I call in each time, I have to wait over an hour or so to even speak with anyone. When I asked why the new payment owe monthly is not reflected, they said it is because they are behind. It's been 7 months and they have not processed my partial claim agreement. This is unusually for a company to take this long to reconcile an account and get it up to date on their system and to show on the statements going out to me.
I've been sending in my payments via my bank through billpay to be sent to them. The amounts is different on my statements and for one month, they had put funds in a suspense/unapplied account and I got a letter saying I still owe funds. When I called, I was told to only pay a particular dollar amount per the letter and per the representative on the phone and they will pull money from the suspense account to make it whole one payments so I sent in the difference for XXXX. That amount owed is different than what was on the partial agreement. They said since I now have this amount owed that went to the back of the loan, I will never be able to have extra funds go to the principal. So all those months that I started paying back, any extra amounts were not being applied however I did not see it showing on the statement as to where the extra funds went.
As of XX/XX/XXXX statement that I received, I noticed transaction activity and I called in about it on the XXXX. The description read " Payment Reversal ''. All the payments I have been making since XX/XX/XXXX went into unapplied/suspense funds account. This is alarming to me so I called in. I was told they are still working on my payments and it will be applied accordingly. The dollar amount she stated I still owed because of the different payment set on the partial agreement is not enough. So I need to send in more money to have them finish their processing of the partial claim reconciliation. I asked her when was somebody going to notify me? I had to call in to know what was going on when I saw payments not being applied. She said she does not know.
I was told my payment from another representatives is a smaller amount but then my statements are showing something else that is different from what the rep stated and from what the partial agreement states. They are all conflicting amounts and information is not consistent for what I should be paying.
This company is inadequantly handling my financial incorrectly. They should have taken care of the partial claim agreement in a timely manner but they have not, it's been 7 months.
What I am concerned about is : 1. Why are my payments not being posted accordingly? I have over $ XXXX in unapplied/suspense account as of today.
2. Why is it taking them this long to modify my partial agreement and get it on their system to be reflected so I know what the actual amounts?
XXXX. Whatever my monthly payment should be, it should be reflected accordingly on their website and on the statements so that I am not considered late on my payments due to the inconsistency amounts being given and stated on the web and representative.
Name of the company is Caliber Home Loans
|
| 06/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
The issues with Caliber began after the Covid 19 Forbearance I did during Covid, ended. Throughout the forbearance, I made our escrow payments, and were told that the accumulated amount would be able to be put to the end of the loan when the forbearance ended. In XXXX of XXXX, I received notice that the forbearance would end in XXXX. I began making payments in XX/XX/XXXX, but then at the end of XXXX I began receiving unapplied funds notices. I first called right after XXXX and was told that I had not paid the correct monthly payment because it had been adjusted to cover the escrow. I also began receiving delinquent notices about our loan, that were very concerning. It didn't make sense to me because I was making payments. In early XX/XX/XXXX, I called again to ensure that everything was okay. At that time I was told that I had not completed the paperwork needed for the loan modification. The person that I spoke to said that he would initiate the process and I would receive something in the mail. He said in the mean time, I did not need to make payments. I did not make a payment in XXXX as directed, but I called again because I had not received the paperwork on the loan modification. This time when I spoke with someone, I was told the other person that we spoke with had not done what they said and the loan modification paperwork had not been sent. This person, XXXX in the Single Point of Contact department, seemed to know what she was doing and said that she had initiated the loan modification. I resumed making payments, but I continued to get unapplied funds notices and delinquent notices threatening foreclosure and negative reporting to my credit. Each time I would call the SPOC department and speak with XXXX, if she was available. Each time I was told that everything was fine and I was in good standing with my loan. I was also told that the loan modification department was behind. In XXXX I finally received the loan modification from Caliber. I signed and returned it on XX/XX/XXXX, and made the required payment listed by XX/XX/XXXX. The unapplied funds notices and delinquent notices continued and I would call and get the same response about my loan standing being fine and the loan modification being behind. On XX/XX/XXXX, my loan was reported as over 365 days delinquent to the credit bureaus, even though I had been told numerous times that I was in good standing. I called multiple times and talked to multiple people during the month of XXXX trying to get my credit corrected. The loan modification was not processed until late XXXX, an my credit was not corrected until early XXXX. That only happened because I kept calling and submitted disputes with the credit bureaus. Each time I call, unless I can talk to XXXX, I am given different information and treated like I have done something wrong, even though I have done everything I was supposed to. I thought everything was finally all correct until last week when I noticed {$4000.00} was added to my principle balance on XX/XX/XXXX. I have now called the XXXXPOC department three times and no one can tell me what this amount is for or why it happened. Today I was told that I could do a written complaint to Caliber by fax or mail, not email. I was told that my situation would be escalated and someone would follow up. I have been told this before, but it never happens. I always have to call until I can get a competent person that is willing to help. I have only had a person call me back when they said they would, one time.
|
| 02/12/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
My home is currently under a foreclosure process, but I 've been taken advantage and been treated unfairly as I 've been assessed unfair fees, and was a homeowner subject to both unfair debt collection practices and predatory lending practices of my original lender XXXX ( Appendix B ). My state of Illinois and XXXX County attorney general filed former suits against XXXX, and subsequently they 've quietly attempted to transfer ownership and obligation to another entity- XXXX Master Participation Trust.
Without my knowledge or consent, my home was transferred to a private entity, XXXX Master Participation Trust, from a private sale for homes under distress. My servicer is now owned by XXXX XXXX XXXX, a global private equity fund, and is owned by a billionaire named XXXX XXXX.
So XXXX has bought my mortgage in a bulk auctioned deal, at a substantial discounted rate and has even been paid a big chunk of money that came out of my mortgage insurance. By not discounting the principal of my loan, the rich investors behind the XXXX make a windfall off of me. In addition, XXXX has continued the lawsuit under the representation that it is the owner of the loan without notifying the court the ownership has changed.
This can be confirmed and is on record from XXXX financial records website ( Appendix D ). This entity has even represented themselves as being with XXXX as Trust for XXXX, however my lender and servicer are still listed as XXXX and Caliber respectively. I 'm advised that under UCC, my mortgage could be considered a non-negotiable instrument.
This practice is very unfair - how is it allowed that the private equity bigwigs get to buy my loans at a subsidy ( HUD ), but as a homeowner with a home under water, I do n't get a subsidy when trying to save my own home. They 're profiting off of my distress.
I 've tried to work my old and new lender/servicer over the last year plus, but have n't gotten any resolve or assistance. I have worked with my servicer and lender directly, HUD, XXXX County Foreclosure Mediation ( Honorable Judge XXXX XXXX ), and private consultation with an attorney. I was consequently advised to contact my local Congressman, XXXX XXXX XXXX XXXX XXXX, and now the Consumer Financial Protection Bureau on this matter.
I 'm a previously unemployed, divorced father with XXXX children : XXXX years old, XXXX in college at XXXX, and XXXX XXXX parent ( Mom, XXXX ) who I support and live in the home. My last few correspondences have only resulted in being told to do a short sale or deed in lieu - transactions that would only benefit the lender/servicer. I was recently even told that a modification would n't be considered due to the fact that it 's severely under water.
I want to keep my home and previously paid a 3 trial monthly installments in good faith. After I sent the payments, they claimed additional paperwork was n't received and attempted foreclosure proceedings for a 2nd time. In summary : I 'm a subject of both unfair debt collection practices and predatory lending from XXXX.
Based on my County 's ( XXXX ) assessment and from my servicer/lender 's own valuation, my home is only worth about $ XXXX, not including $ XXXX in repairs.
Since XX/XX/2008, my previous lender XXXX stopped doing refinancing of all loans.
My loan is not backed by XXXX XXXX so I can/could not take advantage of home affordable programs.
I 'm severely underwater, and ca n't get my loan refinanced or modified with anyone.
I have several supporting documents. Thank you.
|
| 03/31/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I am a co-borrower on a mortgage with my son. In XX/XX/XXXX our lender changed processing systems. Prior to the change, we were signed up for and received payment due and past due text notifications, and all payments were made on time. After the system change, the XXXX and XXXX XXXX payments were not made and neither of us were notified. My son activated auto pay in XX/XX/XXXX and the lender said they had no record of it. They asked for the auto payment ( done immediately prior to the conversion ) email we received for evidence, indicating we should have saved it. How would we know to save an email? We both pay all of our bills that allow online payments electronically, and never had any issues. I also asked the lender why I did not receive one phone call or correspondence that a loan I am co-borrower on was delinquent. She stated they only communicate with one borrower and have no obligation to me as a coborrower. However, they reported this loan to the credit bureau, and my credit rating dropped XXXX points in one month.
The customer service agent stated a nonpayment letter was sent to my son on XX/XX/XXXX, however it was sent to the wrong address. No such letter was sent to me as the co borrower. The lender 's portal includes a document and correspondence section, of which no such letters of nonpayment were included. Looking through the addresses on the documents in the portal, illustrated different correspondences were sent to different addresses of my son and no correspondences or phone calls were sent or made to me, even after XXXX payments were not received. The lender sent nonpayment notification letter to the property address, which is not where my son or myself reside, which was also noted on the closing documents ( done in XX/XX/XXXX ). My son relied on the auto payment, like he does for all of his bills, and checks payments every few months. This experience has surely changed that.
In XXXX, when my son realized the loan was not paid for the month, he tried to call to address it. I also tried to call the lender and we both aways experienced significantly long wait times and being transferred to several areas. I finally reached an agent on XX/XX/XXXX and I requested a credit report claim after explaining the sequence of events above and lack of corresponded with us, as was told I would receive the form in XXXX business days. I was also told that once I completed the form, I would then return it to the lender and they would process it and determine next steps. I did not receive the claim. I called numerous times in between daily work meetings and finally spoke with an agent again on XX/XX/XXXX inquiring about the status of claim form. The agent gave me a customer complaint number to call ( XXXX ) to inquire why again a correspondence ( credit claim ) I should have received was not sent. The phone number is a voicemail asking for my information and stating my call would be returned.
I am a XXXX and work in a financial institution and value my credit rating. I don't feel this borrower communicated with us, and had system errors when implementing their new payment system, that was the cause of this significant impact to our otherwise strong credit. We feel like we constantly go in circles with no resolution, and now have a low credit score that we worked diligently to maintain over our lifetimes, and the lender has provided no support in this matter. If this was a mistake, even after this frustrating experience, we get it, and just want it fixed.
|
| 04/05/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/XXXX, I signed a promise to pay for {$310000.00} with XXXX XXXX XXXX XXXX XXXX which sold it to XXXX XXXX on XX/XX/XXXX. ( Exhibit 1 attached ) Since then XXXX has not sold nor assigned the loan to any other company or servicer and nothing has been recorded on the Title of my property by XXXX.
We now have 3 or 4 companies claiming to own the mortgage, including XXXX XXXX XXXX, XXXX. themselves, then acting as a Trustee for LSF9 Master Participation Trust ( XXXX XXXX XXXX ), and Caliber as the " Servicer '' and Principal.
An Assignment of Deed of Trust was recorded on XX/XX/XXXX, signed by Caliber Home Loans assigning the beneficial interest under the Deed of Trust to XXXX XXXX XXXX. Caliber had no authority to assign anything to anyone so that is dead in the water and null and void, not even " voidable ''.
These companies have filed at least 3 different Proofs of Claim ( POC ) the Chapter XXXX Bankruptcy I filed in XXXX of XXXX, and my wife filed in XXXX of XXXX and we have disputed every single one.
Caliber alleges it began servicing my loan on XX/XX/XXXX but did not even apply the payments I made on XX/XX/XXXX correctly. These were 3 payments for {$1500.00} I made to the previous " servicer '' called XXXX. They have the evidence and keep denying it.
My loan was modified in XXXX under the HAMP program. XXXX caused a fraudulent notice of default and subsequently a notice of trustees sale to be recorded on the title of my property which were both rescinded and expunged from Title.
XXXX did not transfer my payments to Caliber until XX/XX/XXXX as you can see in the first payment Caliber applied to their spreadsheet.
Since Caliber allegedly took over the " servicing '' of my loan they did not properly apply my post-petition payments The Debtors Status Report that the Chapter XXXX bankruptcy trustee filed in your bankruptcy case on XX/XX/XXXX attached proves that I was paid up and current on all my Trustee payments to XXXX XXXX XXXX, and we still have not received a XXXX from XXXX XXXX XXXX. ( See Exhibit 2 attached ). I even have {$1000.00} in suspense.
This case is now before the XXXX XXXX Bankruptcy XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX.
Caliber uses a third-party website called Auction dot come [ sic ] to fly drones near XXXX XXXX and to publish information regarding the foreclosure sale my property which is unlawful.
They claim that " Caliber is not affiliated with auction.com and did not instruct or authorize it to take pictures of the property with drones. Second, and as explained before, California Civil Code 2924f requires Caliber to provide up-to-date foreclosure sale information to the public. Caliber uses XXXX to publish information regarding the foreclosure sale of the property. '' Alleged Dual Tracking. A recent loan modification package has been submitted and of course Caliber continues to say it is " an incomplete loan modification application from your representative at XXXX XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX ... Furthermore, your application remains incomplete ; enclosed is Calibers counsels correspondence to XXXX listing the documentation still needed. '' The foreclosure proceedings are currently on hold as a result of XXXX XXXX pending bankruptcy case. XXXX XXXX XXXX XXXX XXXX. XXXX but Caliber has failed to appear in my pending appeal in the XXXX XXXX XXXX XXXX XXXX. They now claim that Caliber is not a party to your appeal and does not need to make an appearance. But yet Caliber is the Servicer?
|
| 02/07/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
On XXXX XXXX, XXXX, I received a vague letter from Caliber Home Loans ( the CHL ) declining my home retention application. I notified the XXXX XXXX XXXX XXXX ( the XXXX ) XXXX XXXX XXXX regulator .., and now I notify the Consumer Financial Protection Bureau ( the Bureau ) as follows.
The media report that the XXXX XXXX XXXX XXXX ( the XXXX ) has created NEW Non-Performing Loan Rules ( the XXXX ) for the non-bank companies that purchase from XXXX loans ( the XXXX ) at a discount. The media reports these new rules were created in XXXX of XXXX to ensure non-bank companies follow guidelines that will ensure a hardship homeowner 's Loan Modification Application are underwritten prudently. Attached are Caliber Home Loan 's ( the CHL ) LOAN MODIFICATION DECLINE LETTER. CHL vaguely declines my loan modification application. ( ) FACT 1 : CHL 's vaguely describes that my monthly OBLIGATIONS EXCEED the my GROSS MONTHLY INCOME [ refer attached ].
( ) FACT 2 : XXXX XXXX XXXX 's ( the CHL ) denial vaguely ascribes that my OBLIGATIONS ARE EXCESSIVE in relation to my GROSS MONTHLY INCOME yet they fail to specifically write ( they do not include ) what Excessive Obligations and Gross Monthly Income that CHL underwriters used? ( ) FACT 3 : An underwriter rarely ( never ) use the applications obligation and gross monthly income noted on their application. Rather, the processor and the underwriter use their own. ( ) FACT 4 : *If CHL 's underwriter use my monthly obligation noted on my application of XXXX, XXXX if CHL 's divide the my monthly obligations noted on my application of XXXX, that ratio is 88 %, target is 31 %.
RATE REDUCTION, NEW ORIGINATION DATE AND TERM EXTENSION ( ) FACT 5 : *If Caliber Home Loan 's ( the CHL ) underwriter use my monthly income of XXXX, XXXX if CHL 's use my current principal balance owed of XXXX + XXXX ( arrearages ) = XXXX. Then, if CHL 's modify my current loan ; s terms from 30 years to 40 years, rendering a new loan modification loan term of 480 months, and if CHL reduce ( fix ) the interest rate to 2.75 %, that would render a modified principal and interest payment of {$1300.00}. Then, if CHL 's take that principal and interest payment of XXXX + XXXX ( taxes ) + XXXX ( hazard insurance ) = XXXX. Then, if CHL take the aforesaid modified payment and divide that by my applications gross monthly income of XXXX = 41 %, target is 31 %.
PRINCIPAL REDUCTION Fact 6 : If Caliber Home Loan 's ( the CHL ) take the principal and arrearage owed of XXXX and they divide that by the real property 's RESEARCHED mark-to-mark ( the selling price ) of {$280000.00}, that renders a 140 % LTV XXXX this is well above XXXX XXXX 115 % LTV ratio. Hence, if CHL 's reduced their internal non-researched speculated selling price of $ XXXX, to the researched selling price of $ XXXX ( a reduced modified principal balance of XXXX ), if CHL 's placed the arrearage amount of XXXX @ 0 % on the back end of this modified mortgage, due and payable when the mortgage matures or when I sell or refinance my home. Then, if CHL 's extend this loan 's terms from 30 years to 40 years, now rending a new loan modification loan term of 480 months, and if CHL reduced ( fix ) the interest rate to 2.75 %, that would render a modified principal and interest payment of $ XXXX. Then, if CHL 's take the aforesaid modified principal and interest payment of $ XXXX + XXXX ( taxes ) + XXXX ( hazard insurance ) = XXXX and divide that my the applicants income of XXXX = 31 %, target is 31 %.
|
| 10/13/2019 |
Yes |
|
|
|
Web |
|
|
We applied for a mortgage with Caliber, through our realtor XXXX XXXX, who has worked with them in the past. They asked all type of documentation from both of us ( my father in law and myself ) such as taxes returns, retirement, years at job, proof of income. We provided them with all in a timely manner. We soon got pre-approved and a deposit was submitted ( {$2600.00} ). Right after an appraisal ( {$600.00} ), an inspection ( {$450.00} ) and re-inspection ( {$150.00} ) after a repair that we were asked to do in the front of the house ( exterior ), because the house was sell " as it ''. We did it all, and we got our first closing date ( yes, we ended it up having several closing dates! ) for XX/XX/XXXX. Couple of days prior, our realtor informed us that the owners of the house were asking for one extra week to be able to move ( they were still occupying the house ). We agreed, trying to help them. Just to learned after the fact that it was a huge mistake of our realtor. " When you have a closing date, you close ... .and then you make extra arrangements. '' We didn't know, our realtor should. A new closing date was set for XX/XX/XXXX. I asked a week off in my job to paint the house and get all situated. Didn't work. Couple of days before the XXXX, XXXX XXXX and XXXX XXXX ( Caliber staff ) started sending me emails and text asking for information that they should know from the day they run our credits scores. They also started using phrases such as " we trying '', " you pray '', " we never being denied before '' ... Again we did everything as they asked for, and we got a third closing date XX/XX/XXXX. More documents request, new tentative date XX/XX/XXXX. It started feeling like a bad joke by then. We received a letter from Caliber saying that our credit line has been denied. Still XXXX XXXX kept communicating with us and talking with the underwriter and buying time. She told us that the underwriter will wait for us up to XX/XX/XXXX. It never happened. They were clearly unprepared, they didn't analyze all the variables of our situation from the beginning. They just pressed the bottoms without foreseeing the consequences of their lack of professionalism for our family. We have XXXX minors in the house. They have 100 questions a day about the house they went to see with us. Our home is 90 % packed and ready to go since XX/XX/XXXX. My XXXX years old is homeschooling for the first time ever due to lack of transportation ( one of the main reasons for our moving ). They also urged us to sign incredible amount of documents, one of them including a contract of 30 days to close, and if unable to close the other part will keep the deposit money. We never been verbally informed about it by the realtor or Caliber, and we also learned after that its almost never 30 days, but 45 or 60. I called my realtor XXXX XXXX and I called XXXX XXXX and left a voicemail for both of them asking for a meeting. Never received a call back. I decided to email both of them, no answer what so ever. Not sure if any other factors as the age of my father in law ( XXXX ) or my ethnicity ( XXXX ) played a roll in their decision. But I know it shouldnt. Since then, we tried to apply for another mortgage in two different companies. They both gave us a clear answer within two weeks or working with them. No false hopes, no misunderstandings. They did their homework and they treat us with respect of our time and money. Both tell us that the prior denied with Caliber impacted their decision.
|
| 02/23/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
On XX/XX/2018, I called XXXX XXXX to ask why my tax bill included a fee of {$5.00} names as " interest ''. They said the tax payment was made on time, to call the Tax Assessment office. The tax assessment office said the fee was for the " convenience '' of paying the tax bill twice a year, versus once a year. I spoke to a supervisor at the XXXX County MD Assessment Office at XXXX. I asked her how I could change the payment frequency and she stated that I needed to call my mortgage servicer ( since my tax bill is paid from escrow ). I called XXXX XXXX again at XXXX XXXX. I spoke to XXXX ( ID : XXXX ). I explained the issue and he said they would just need to change the bill amount in their system and that he would transfer me to the office that can do that. I was on hold for over 20 minutes so I hang up and called again. This time I spoke to XXXX ( ID : XXXX XXXX at XXXX XXXX. He too transferred me to the department that handles taxes via conference call and we spoke to an employee called XXXX. She said that they could not make the Tax payment once a year, that I had to contact the MD Tax Assessment Office to change the billing frequency. Her statement is in conflict with the XXXX XXXX flyer which states otherwise. The Maryland tax assessment ( XXXX XXXX County ) office was very clear that the mortgage servicer CAN pay the bill once a year and is the only one that can make the payments once a year ( vs. bi-weekly ) since the payments are made from escrow ( see email from the XXXX XXXX Government official, Financial Operations Supervisor ). Despite this, the Caliber Home Loans Tax office in essence denied my request to pay once a year. Since they said they could not change my payment frequency I asked Caliber to be allowed to get out of escrow so I can pay my own tax bill once a year and not have to incur additional fee for the convenience of bi-annual payments. I was told by XXXX that I am required to have an escrow because I have a VA loan. I asked if they could send me in writing the reason why they can not make the tax payment once a year as the supervisor at the MD tax assessment office explained I had the right to choose but the Caliber Home Loans representative said that no We don't put anything in writing because there are legal implications. Then I asked to speak to a supervisor at the Caliber Home Loans tax Department and 30 minutes later, I was still on hold. Finally, XXXX came back to the phone and said that no supervisor was available but that he would put in the notes that I called. A homeowner forced to pay Property Taxes via escrow should not also be FORCED to incur a fee because it is more convenient for the mortgage servicer to pay the tax bill twice a year. Caliber Home Loans should be required to notify me in writing the reason why they refuse to pay my tax bill payment once a year as I requested and as MD law allows me to choose. Caliber Home Loans refused to give me a reason in writing for not granting my request, they refused to make one payment as I requested and as shown in the Tax Assessment Office flyer ( see attached county 's tax flyer, page 2 under Semiannual Tax Payment Option ). I should not have to pay a service charge that is 0.15 % on the balance of the payment, only because Caliber Home Loans chooses to pay my bill semi-annually vs. annually. Furthermore, as a consumer, I should have the right to speak to a supervisor when I have problems with my escrow that the main line representatives are unable to correct.
|
| 02/02/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
My mortgage is with XXXX XXXX XXXX, and my Condo Fee contract, is with XXXX XXXX XXXX. My bankruptcy was discharged in XXXX, XXXX. Both parties are fully aware of my bankruptcy, and the fact that I moved out of the condominium since XXXX, of XXXX, as instructed by my bankruptcy attorney. XXXX XXXX XXXX has refused to foreclose on the condo, and since it is still in my name, I have been told by several attorneys, and agencies, I have spoken with, that I am responsible for the condo fees. I now have judgements totaling over {$95000.00}, brought on by XXXX XXXX XXXX.
I have done everything XXXX XXXX XXXX has asked of me. I have attempted short sale, deed in lieu, and loan modification. I even went to a " making homes affordable '' workshop, desperately seeking someone, anyone, who could assist me, in resolving this matter. XXXX XXXX XXXX has received several correspondence from me, both written and verbal, letting them know that I am in no way interested in any programs they have to offer, and that I need them to foreclose on the property. I have almost all the names, dates, copies of correspondence to and from XXXX, of the representatives, supervisors and managers I have spoken with, from XXXX. XXXX XXXX XXXX have received at least XXXX short sale offers on the property, which included payoff amounts towards the condo fees, but they were all turned down.
In XXXX, XXXX, I received correspondence from XXXX XXXX XXXX, stating, " The servicing of your home loan will transfer to Caliber Home Loans , Inc on XXXX XXXX, XXXX. '' So after over six years, of moving out of my home, and waiting on XXXX XXXX XXXX to foreclose on my condo, I 'm being told by them, that they have turned over my mortgage to another company. Is that even legal, especially after filing a chapter XXXX bankruptcy? Today I spoke with XXXX, operator # XXXX, at Caliber. I told her that I had been receiving correspondence from them, referencing a total debt of {$340000.00}, and informed her of my bankruptcy discharge in XXXX, XXXX. She told me, that I will continue to receive correspondence from them, because the deed is still in my name, and that there is nothing that can be done about it. I just had to wait until they decide to foreclose.
XXXX XXXX XXXX has had me dangling for over six years. It is downright cruel and unfair, that they are allowed to do that. They can not sue me for the mortgage on the property, but as long as the condominium is in my name, XXXX XXXX, can sue me for condo fees, for a place no one has resided in for over six years. How is that justifiable?
I thought I was doing the right thing, hiring a bankruptcy attorney, because I wanted to make sure, that everything was handled correctly and professionally. I ended up filing bankruptcy, because I got scared, anxious, and desperate, especially since I had used up my 401k, and savings, in order to hold on to my good credit. My bankruptcy attorney told me to move out of the condo, if I did not want to be responsible for the condo fees, so after filing in XXXX, XXXX, I immediately vacated the premises in XXXX, and my case was discharged XXXX, that same year.
XXXX XXXX XXXX has had amply time to foreclose on my condo, but they refused to do so. Now my deed is with another company, and I 'm still being sued by XXXX. When exactly can I expect this nightmare to end? I am hoping and praying, that I will be given the opportunity to prove that, to whoever will listen. Please assist me in getting this matter resolved.
|
| 10/29/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
On or about XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX issued a TEXAS HOME EQUITY NOTE to us, which later we found out it was wrong and deceiving, we also found out that the DEED and RELEASE OF LEAN WERE EXECUTED WRONG ( INTENTIONALLY ) the note was then wrongfully assigned within 30 days to XXXX XXXX then almost immediately the note was again assigned to XXXX, which is not even a lender, the note was with XXXX for several years but XXXX collected payments from me and my wife until XXXX on behalf of XXXX XXXX XXXX, I believe they illegally collected payments from us because the note had not been assigned to them.
XXXX then assigned the note to CALIBER HOME LOANS which then decided to foreclose on our property, after the foreclosure Caliber Home Loans sold or assigned the note to XXXX XXXX which resulted in a suit filed against us and a judgment was entered on or around XX/XX/XXXX after that we decided to file for Bankruptcy to protect our interest on the property and it has been depressing after that.
XXXX XXXX filed a motion to issue a writ of possession on XXXX and was granted on or about XXXX my finances have been hurt so bad because of paying for my attorney and other legal fees in a effort to keep our property, so, I decided to file for Bankruptcy to protect my assets, as soon as I filed for Bankruptcy I submitted a copy of the filing to XXXX XXXX ATTORNEYS to let them know I had file for Bankruptcy, immediately as soon as they received the notice they wasted no time and sent me an email threatening to terminate the Bankruptcy Stay, I thought this was wrong so I filed for an adversary with the court and their response to this so unexpected, they are accusing me of everything they can, I believe the the Bankruptcy filing notice was very clear in addressing that they could not contact me to collect a debt that was already discharged in a previous Bankruptcy, therefore I believe I did the right thing because this action by XXXX XXXX and its attorneys/Debt Collectors had to be addressed, otherwise the will continue to do this again and again.
We are scheduled for for a court hearing on XX/XX/XXXX and on this date we are probably going to be kicked out of our home, we worked so hard to pay this home and have spent around {$250000.00} in principal, interest, attorneys fees, supersedeas bonds, ETC, in an effort to keep our property I have made several offers to XXXX XXXX and its attorneys but they have rejected every offer I have made, right now there is no hope and I think we will be living on the street very soon as we have no where to go, XXXX XXXX has hurt us so much and so bad that we would like to be compensated for everything XXXXXXXX XXXX has done to us.
One more thing, XXXX XXXX did not have possession of the property buy they have been selling the property on XXXX since a year ago, it has sold many times with the assumption that the property is worth {$460000.00} when is only worth around {$150000.00} due to repairs needed, XXXX XXXX has been deceiving consumers for a long time and will continue to do so if they are not stopped, I have more documents to show they XXXXXXXX XXXX has been violating consumer laws, it was not just violating my Bankruptcy stay and it is worth it to take a look at what they are doing, because they violated the Bankruptcy stay I believe I should be compensated for this too, it can not be ignored, this Bank and its attorneys/debt collectors will stop at nothing in order to achieve their goal. Thank you.
|
| 06/12/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
|
Web |
|
|
Caliber Home Loans appears be trying to unlawfully switch loan modifications. They have continuously lied about third party organizations involvement, whilst not providing any proof stating their claims. Additionally, they have not complied with RESPA requests or any reasonable request from me to protect my home.
XX/XX/XXXX I received a notice that Caliber Home Loans had obtained my mortgage from XXXX.
I contacted Caliber and talked about my situation. The representative that I talked to recommended that I apply for a Loan Modification. I explained to him that I just spent a long time trying to obtain one unsuccessfully from XXXX but they assured me I would be approved after taking my financials. They took my financial information and told me they would assign a single point of contact, and that it would be finished within XXXX months. I went through a tireless game of sending the documents over and over, with little or no communication on their end. During the process they informed me that there was no need to make payments while the loan modification was in process.
XX/XX/XXXX is the only time I was ever contacted by the person they designated as the single point of contact by Caliber during the entire Loan Modification process. I was never ever able to reach this person by phone or return the phone call.
In XX/XX/XXXX I received a letter that my loan mod was in review.
Shortly there after, I was denied my loan modification with the suggestion that I contact HUD, which I did immediately and was put in touch with XXXX and was offered financial assistance. Which I qualified for.
Then on XXXX XXXX, Caliber sent me a short term loan modification agreement that needed to be signed and returned by XXXX XXXX in order for it to take effect. I had numerous questions regarding it because of many questionable discrepancies, only to be blocked from calling in their system.
After not hearing from Caliber and not receiving any additional requested paperwork regarding the loan modification I finally was able to contact them and was told that everything was okay and still being processed and to go ahead and make my XXXX, XXXX payment as per the new loan modification.
Caliber informed me that XXXX requested Caliber return the {$25000.00} they previously funded. I contacted ( XXXX ) and they told me that was not true and that everything was funded. Caliber lied, XXXX never requested their money be returned.
on XX/XX/XXXX, after I made my first payment on my loan mod, I was then sent a different Loan Modification from Caliber. This document had many discrepancies and added about XXXX and a half times my loan balance for " unpaid interest '', which would be impossible given my payment history. I was also informed that the reason for the ridiculous level of interest was that I had n't made a mortgage payment in about a year, which was by their recommendations!!!
Over the entire period, I experienced unbelievable anguish and continuous XXXX and XXXX because of the unethical and criminal business practices Caliber put me through.
Caliber was telling me a story that led me to believe I could receive help to stay in my home, when they were planning on foreclosing on me from the beginning, or trying to modify my loan to the point of extreme profit on their end. They were making it impossible for me to make the home affordable, as you will find in the attached documents. There has never been a satisfactory explanation for this horror story.
|
| 01/04/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I was contacted on XX/XX/XXXX email by XXXX from Caliber Home Loans to refinance my current loan with them. I replied on XX/XX/XXXX he gave me an acceptable estimate for refinancing my condo which was already mortgaged with Caliber. XXXX then proceeded to try to get me to refinance my primary home. He presented another favorable quote so I proceeded. We started the process and got both appraisals done and I provided all of the requested documents. The appraisals came back lower than the estimates so XXXX reworked the estimates and I approved and we moved on. This all happened before XXXX. I got a call from my first loan processor XXXX on XX/XX/XXXX herself and stating she was beginning the next phase of my loans. I have never heard another word from XXXX. I began trying to get a status of my loans on XX/XX/XXXX to allow extra time for the holidays. I called and emailed both XX/XX/XXXX and XX/XX/XXXX. Neither of them EVER replied or returned my phone calls. I tried emailing and calling multiple times every day. I called their main number but they were useless. I tried logging onto my account to check the status of my loans but I could n't even access my account because of some IT problem they were having. I finally got someone on the XXXX number to give me someone else 's number. So I started calling XXXX who was supposedly XXXX boss but he never called me back either. On XX/XX/XXXX I got a call back from XXXX and he has been the most responsive but he has gone silent since the holidays. I was then assigned a new loan processor XX/XX/XXXX who basically started all over. I was told my new loan details after the appraisals came back lower were never entered into their system even though I had signed the new loans before XXXX. XXXX sent new estimates and my closing costs were higher even though I was borrowing less. XXXX said it was because my properties were entered as something other than condos and the condo closing costs are higher. He also refused to reimburse me for the appraisals. He said I would get " credit for paying '' them at closing but I would not get reimbursed as XXXX had told me. He also is not honoring the lender credit I was given. I had locked in my interest rates which expired on XX/XX/2017. Supposedly Caliber extended the rate lock until XX/XX/XXXX but I have only received an email about the rate lock. I have not seen any official documentation. Late last week XXXX said there is a problem with the HOA on my primary property because of pending litigation but that it could still be handled and I could close on both properties if the right departments from Caliber was involved. I have not heard a word from XXXX since and the only communication I received at all was from XXXX 's boss yesterday in an informal email about my rate lock extension.
I know this is a lengthy story but here are my complaints : 1. Deceitful marketing practices. I am confident XXXX intentionally entered my properties into their system as something other than condos to make the deals more attractive in order to get me to refinance. The reason I am confident is because they already hold the loan on one of my properties.
2. Not honoring the agreement of reimbursing me for the appraisals and not giving me the lender credit as promised.
3. The total and complete lack of professionalism in their lack of communication with their customer, me. This is the absolute worst experience I have ever had with any institution wanting my business for anything.
|
| 06/26/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Mortgage Servicer : Caliber Home Loans ( part of XXXX ) Mortgage Investor : XXXX XXXX XXXX : Removing PMI from Mortgage Context : We live in XXXX, Arizona and have been fortunate enough to have our home value exceed the 80 % XXXX so that we can roll off the PMI from when we initially bought our home in XX/XX/XXXX. When I spoke to Caliber about the process, they said that " significant improvements '' needed to be made to the property in order to have an appraiser come out and confirm the new value of the home based on improvements and comps. We remodeled our entire backyard with a pool, pavers & turf, and landscaping which is definitely significant improvement.
Timeline : - Approximately late XXXXearly XX/XX/XXXX : backyard remodel was completed, so I called Caliber to kickoff the PMI removal process. They said they would send paperwork including instructions for a check to pay for the appraiseXXXX - Early/mid-XXXX XXXX : Caliber failed to send the paperwork, so called back to remind them and they sent the paperwork the second time - Week of XX/XX/XXXXXX/XX/XXXX paperwork was submitted with {$110.00} check to pay for appraiser - Week of XXXX XXXX : Caliber home loans cashed the check, per their instructions they would get back to me within 10 business days to schedule the appraisal ( BPO ) - XX/XX/XXXX : Did not hear back from them by the 10 business day deadline, I called and a rep put in an escalation request for me and said I should hear back in a couple of days - XX/XX/XXXX : Called back Caliber after no contact and they passed the buck to my loan investor, XXXX XXXX. I called XXXX XXXX the same day and they said that the issue is on the Caliber side. When I called Caliber back after my call with XXXX XXXX a different rep told me that my request was being held up because my description of the significant improvements was not specific enough. On the original form, all that was asked for was a high-level description of what improvements were made. The rep told me that they wanted to see specific cost figures for all improvements made, so I wrote them down and submitted them to Caliber 's PMI department later that day.
- XX/XX/XXXX : Called Caliber back to follow-up after submission of cost breakdown of backyard remodel, once again the rep escalated my request to the PMI department as well as their manager to expedite getting the appraisal ( BPO ) ordered. They asked that I call back XX/XX/XXXX if no response.
- XX/XX/XXXX : Caliber rep said that XXXX XXXX cancelled the BPO order after claiming they tried to contact me and I didn't respond. I confirmed all my contact information was accurate with Caliber as part of the escalation process and have no records of XXXX XXXX or Caliber trying to contact me. Caliber rep again escalated to manager and created a task internally to reopen the BPO, and asked I follow-up XXXX if no response.
- XX/XX/XXXX : Caliber rep said the request was placed and I should hear back from Caliber 's PMI department by XX/XX/XXXX to get the appraisal ( BPO ) scheduled.
- XX/XX/XXXX : Followed up after no response by the XX/XX/XXXX deadline. Caliber rep claimed the order was again cancelled because they tried to contact me with no response, but again I have no record of an email or phone call and I previously confirmed all of my contact information was correct.
Throughout this process, I have had to take time out of my workday to sit on the phone with Caliber home loans and try to get this sorted out.
|
| 03/21/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American |
|
We bought my home in XXXX. We never had an issue with FNMA until XXXX Bank and Caliber Home Loans alleged to own and service it, and since then everything has turned into a real nightmare.
In XXXX I filed for XXXX XXXX due to a divorce and was ordered to pay {$890.00} per month for 4 months, then {$780.00} per month for 1 month, then {$1100.00} per month for 55 months in XXXX of XXXX, which I did. ( XXXX XXXX XXXX XXXX Filed XX/XX/XXXX Entered XX/XX/XXXX XXXX ).
XXXX Bank and Caliber did not enter the picture until many months later and had no idea of anything done before. I sent all required payments to the BK Trustee and the then to the servicer XXXX XXXX, which did not transfer my payments to Caliber until XXXX of XXXX. I was in the process of a loan modification workout with XXXX when they transferred my loan to XXXX XXXX and Caliber. XXXX even " dual tracked '' and filed an unlawful NOD on the Title of our property.
We never signed anything with XXXX XXXX or Caliber and the Note we originally signed with FNMA was declared null and void as was the alleged Deed of Trust ( DOT ) which named the Mortgage Electronic Registrations Systems, XXXX ( MERS ), both the " Nominee '' and " Beneficiary ''.
As a matter of fact, these documents are in the process of being expunged from title as fraudulent. Also an alleged loan modification signed by this same MERS is also null and void.
The BK filed in XXXX was confirmed in XX/XX/XXXX and all payments were made on time and as agreed to XXXX. ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Entered XX/XX/XXXX XXXX ). Instead of posting the post-petition payments directly to the account without escrow, they were posted to the suspense account making it seem as if I was delinquent on payments which we never were.
Also payments were made as agreed and on time. ( XXXX XXXX XXXX XXXX XXXX Filed XX/XX/XXXX Entered XX/XX/XXXX XXXX ). The then XXXX filed was totally wrong. ( See XXXX XXXX XXXX XXXX Filed XX/XX/XXXX ), as is a new XXXX filed this year. They have apparently withdrawn it from my wife 's Bankruptcy?
The attached promise to pay ( alleged " note '' ) is in the process of being declared null and void. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Filed XX/XX/XXXX ). The attached alleged modification is in the process of being declared null and void since it was signed by MERS which had no authority to sign anything XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Filed XX/XX/XXXX ). The alleged Deed of Trust XXXX DOT ) is also null and void and is being expunged from title. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Estimated monthly mortgage payment of {$4400.00} and down to {$2300.00} is fraudulent ( See Case XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX.
XXXX Bank and XXXX are playing games and has not rectified the accounts and amounts paid. They have no interest in our property and have failed to appear before the Ninth Circuit Court of Appeals in case number : XXXX.
They continue to have a sale date posted for every Month on the internet. The FBI is investigating everything they have published including the drone photos. We have asked them many times to remove everything related to our home from the internet.
Now we are presently in a loan modification again with N.A.C.A. representing us.
We need them to stop the foreclosure process per the California Homeowner Bill of rights and to stop the attempted lift of the automatic stay in my wife 's Bankruptcy case immediately.
|
| 12/20/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I 've been having a problem with caliber home loans since XX/XX/XXXX. My mortgage did n't have an escrow account on it since I first started it 20yrs ago. The checks kept crossing in the mail when I was trying to pay my property taxes. I finally got it straightened out with the tax commission. They refunded caliber home loans and the escrow was supposed to be taken off my account. This was all cleared within 30 days and caliber told me they would take the escrow off. I got my bill in XXXX and the escrow is still on there. I 've called them every month trying to get it off because they are demanding that I pay more than I owe. I told them I was n't going to pay my bill until they took it off because I never agreed for an escrow to be put on my house. They want me to pay {$31.00} extra a month when my taxes are only {$140.00} a yr. I have begged a pleaded with caliber every month to fix this because I will not pay more than I owe. They refused to do this because I did n't have my account current. This happened to me in XX/XX/XXXXthey put forced insurance on my home because my insurance company did n't inform them that I paid my insurance. They got the notification that I paid the insurance and charged me for the insurance in the total fees charged portion of my statement. I had to bring the account current including the total fees charged. Caliber home loans got a refund from the forced insurance and I had a credit on my account. They told me they would refund me the money once I paid the total charges owed. They whipped out my credit and said that money was theirs. I did n't know I could file a complaint about caliber home loans then. When this started I was not going to let them rip me off again it was over {$800.00} I lost in XX/XX/XXXX. Now because I told them I was n't going to pay anything until they fixed the escrow they put on my account they put my house in foreclosure. I went ahead and made a mortgage payment the middle to the end of XXXX and explained to them I was paying XXXX and as of XXXX XXXX I was paying XXXX and XXXX XXXX XXXX I 'll be paying XXXX and XXXX and XXXX XXXX I 'll pay XXXX and XXXX and XXXX XXXX I 'll pay XXXX and XXXX. After I sent in the check on XXXX XXXX they sent me a refund of the payment I made in XXXX Plus they told me they finally took the escrow off my account XX/XX/XXXX when the filed for foreclosure. They finally did what I 've been fighting them over and put my house in foreclosure and charged me attorney fees for the foreclosure. They could have avoided all of this by taking the escrow off my account when they should have to begin with. Even after they told me they took the escrow off my account XX/XX/XXXX it 's still on my statement. I do n't know why they are sending my payments back trying to make it look like I 'm not making an attempt to pay my mortgage but I 'm not paying for my taxes more than I owe and I 've already sent payment to the tax commission for my taxes myself. I do n't feel my house should be in foreclosure and I do n't think I should have to pay attorney fees for their mistake and trying to charge me more than I owe. They told me to get it out of foreclosure that I would have to pay what I owe in payments plus the escrow and then they would refund me. I 'm XXXX XXXX and I have a mortgage company that is trying to rip me off again and take my home that I 've had for 20yrs now. Please tell me what I can do about this thank you XXXX XXXX
|
| 02/23/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I am writing because following the transfer of servicing of our VA mortgage loan to Caliber Home Loans, they failed to pay my hazard insurance out of our escrow account even after I provided my insurance information to the originating lender AND to Caliber AND after my insurance broker provided payment information to Caliber. Ultimately, their failure to act timely and gross negligence resulted in cancellation of our insurance, which then meant we paid the insurance policy out of pocket, then they paid it, then they billed us for force-placed insurance in the amount of {$450.00}. I ask that they waive this charge as it was a result of their failure to act timely and negligence in servicing my account.
I find this particularly disgraceful because, as Caliber said in the force-placed notice they sent us that we should be aware that " lender-placed carrier providing coverage... may be staffing OUR customer service telephone lines. '' It seems that my conversations with Caliber may not actually have been with Caliber, but rather with an entity with an interest in ensuring a force-placed policy is issued and paid by the consumer.
This is the timeline of events.
XX/XX/XXXX XXXX XXXX XXXX ( originating lender ) was sent the renewal bill with notice that payment must be made by XX/XX/XXXX by our insurance company.
XX/XX/XXXX I spoke to Caliber 's customer service ( or was it the force-placed lender 's employee? ) and provided my insurance information to them. I also left a voicemail and emailed my insurance broker to notify them of the mortgage change. Caliber 's customer service representative assured me that she would call me within 2 days if she didn't have all necessary information to pay the policy bill. This was on a recorded line and I invite the lender to listen to the call to confirm this statement by their agent. No follow up call was received and we believed the issue had been taken care of.
XX/XX/XXXX My insurance broker was contacted by Caliber to send insurance information, which they did that day after emailing me for and obtaining the loan number and contact telephone at Caliber. The insurance broker provided the requested information, but Caliber did not pay it.
Shortly after that was the holiday season, then we were out of town because my mother was hospitalized in XX/XX/XXXX and part of XX/XX/XXXX due to an accident and we were needed in Minnesota to care for my father and assist with my mother over approximately a 3 week period.
XX/XX/XXXX the policy was cancelled for non-payment, back dated to the original due date of XX/XX/XXXX and such cancellation was mailed to us.
XX/XX/XXXX we learned of the cancellation and obtained a new policy and paid it out of pocket. The insurance company then also sent the new policy ( XXXX ) to Caliber and Caliber immediately sent out a check paying the premium. My insurance agent is mystified as to why XXXX did not pay the first policy ( with XXXX ), but did pay the second ( XXXX ), especially since the XXXX policy didn't require payment as we had already paid it.
XX/XX/XXXX, Caliber generated and mailed a letter stating they had force-placed insurance and the amount due was {$450.00} for the period XX/XX/XXXX to XX/XX/XXXX. This is a ridiculously high amount for approximately 2 months when the coverage cost for an entire year is only {$1300.00}. In any event, it should have never been assessed at all had they done their job.
|
| 06/10/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Refund anticipation check
|
|
|
Web |
|
|
Caliber Home Loans is the payer.
I am the recipient.
Escrow check in the amount of {$5900.00} stolen/cashed Between XXXX and XXXX XXXX - Escrow check was mailed to an old address in WA state but never received. I called and they canceled that first check.
XX/XX/XXXX - Caliber Home Loans cuts another escrow check to be mailed to our new address.
XX/XX/XXXX - the check was stolen and cashed in an unknown XXXX XXXX XXXX location while en route to our address.
XX/XX/XXXX - called Caliber customer service and I confirmed with Caliber Home Loans that we did not receive the check. They said it was cashed and would request the check image.
XX/XX/XXXX - that same day, Caliber sends check image ( I can provide this ), and confirm it is not my signature, and we were not in Texas. Im asked to fill out a Fraud statement for XXXX XXXX XXXX ( their bank ) ( I can provide this ).
XXXX XXXX - Called Caliber customer service. Made sure the address was correct and they said it would mail out soon.
XX/XX/XXXX - Called Caliber again to check on status of the new check being mailed the Georgia address. They said it was cashed in XXXX and nothing is being mailed. Caliber has lost all documentation on the bank 's review of the fraud in XXXX 's correspondence, and tells me to file a police report now. I ask to speak to a manger who then informs me that the check image request and fraud form is the next step, not police report. I reminded the manager as well that we did all these forms back in XXXX- she has no idea what to say.
Note : they have no record of all the email correspondence from XXXX from their secure portal. It is all gone. But I had saved the documents ( not emails ) on my laptop. Caliber customer service says they will request check image, again.
XX/XX/XXXX - emailed XXXX XXXX, Caliber XXXX that is on the fraud statement form, along with Customer Resolutions ( email blocked ) and Caliber Fraud team. I have called XXXX and left a voicemail, no response. And all emails have not been responded to. I stated to them I have all signed paperwork already and asked them to expedite since they lost it all in XXXX.
XXXX XXXX XXXX - I spoke with the XXXX XXXX XXXX fraud department ( manager 's name was XXXX and was helpful ) and he could only confirm minor details with me : check was CASHED, not deposited. They can see the date and time, but will need a police subpoena to release further details of exact location and/or footage of suspect. Told me that Caliber should be starting this investigation with XXXX XXXX XXXX.
XX/XX/XXXX - I spoke with XXXX XXXX XXXXXXXX fraud department ( the bank Caliber uses ) and they, too, were surprised Caliber was not following up on the fraud paperwork with XXXX XXXX XXXXXXXX, but said Caliber must do the filing, and that I can not do it myself. They suggested I file a police report as well, due to Caliber 's inactivity.
XXXX XXXX XXXX - I emailed XXXX XXXX and Caliber Investigations team yet again, not a single response. Still no check image or follow up ( again, I already have the check image from XXXX ) XX/XX/XXXX - I emailed them all again, providing this timeline Ive placed here. Copying family and friends as witness to them ignoring the request, including my mortgage broker and real estate agent. Still no response.
I do not know what else to do. I hope someone can help apply pressure for them to resolve this after 6 months of inactivity.
|
| 05/19/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My current mortgage servicer Caliber Home Loans has been giving me the run around a will not allow me a loan modification. My loan got behind when I was injured thee oilfield with XXXX XXXX XXXX. After the XXXX I was told by the XXXX I would need to change my field of work as I would no longer be able to go back to my previous job. After XXXX and XXXX, I was declared fully XXXX. I has to go to school to be retrained in another field of work. During all this time I got behind on my mortgage and I has applied for a loan modification as I was living on a fixed income, the mortgage company was XXXX at this time and I was denied a modification each time I applied. They attempted foreclosure and I filed for bankruptcy. During the process of bankruptcy found out that XXXX had place force placed insurance onto my mortgage and they were given proof of insurance but they refuse to remove the charges. the attempt to file foreclosure went on for many years until the loan was sold to Caliber Home loans. I received a letter from Caliber home loans to inform me they had acquired the loan, a week later I received a letter with a date for foreclosure. I have filed numerous loan modifications with a denial as the results and I 'm still XXXX. I can no longer fine for bankruptcy, have not been successful in locating a Civil Suit attorney. I took my loan to a local Mortgage Broker to see if they could refinance for me. They were appalled at what they saw on my paperwork. They informed me the loan had been set up wrong, there was a interest rate on a medium credit score, there was an adjustable rate plan and they have me at a locked rate, they also reviewed the insurance information of the declaration pages. They informed me that from what they could see I had been targeted and racially discriminated against and take advantage of from the moment the loan was created. According the Broker what has taken place with me has happened to me has taken place before back XX/XX/XXXX involving numerous of families worldwide by XXXX and Caliber Home Loans was a company under the umbrella of XXXX. They reviewed the information requested by me, it was a breakdown of the charges and they could not figure out what all the unapplied or misc. fees were and this is what I wanted the break down for to determine what the charges were. I 've contacted XXXX numerous and you re only able to speak to a representative that answers the phone and each time it 's someone different and it 's a different story each time you try to get information. They are constantly attempting to foreclose on me however they have a foreclosure from XX/XX/XXXX they use in order to avoid going through the motions each time. I keep applying for a medication and they still deny. The mortgage broker states there are so many inconsistencies and charges and problems with the loan that I needed to file a complaint so that this could be looked into closer. I want to keep my home and will do whatever it takes, but when I purchased the home it was a {$120000.00} and now they have the payoff at {$200000.00} and the mortgage broker along with myself feel this is impossible even though there are missed payments. XXXX is a predatory lender and they will not refinance, modify as they see the equity in the home and all they want is the home. Please could someone look into this for all the discrepancies, I feel I deserve the change to keep my home, I ask for your help.
|
| 07/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have been trying to have my PMI removed for over 6 months at this point. In XXXX of XXXX, I refinanced a duplex apartment as my primary residence. I lived in one unit of the building and rented out the other unit. After living in the home for a year and a half, my family was forced to buy another property with more bedrooms to accommodate our growing family. The value of my property had nearly doubled since I refinanced the property. When the property was appraised during the refinance, the property appraised for {$330000.00}. When I saw that I had reached the 78 % XXXX ratio I reached out to Caliber Home Loans to request to have my PMI removed. After months of no response I reached out to Caliber on two separate accassions and each time I was told that the removal was approved and that it just needed more time to process. After more weeks of waiting I was told that I would need to pay {$100.00} and fill out forms to have the property appraised to determine the new value of the property. I did as I was told and waited a few weeks with no response and then the {$100.00} check was refunded to me with no explanation as to why. I called back again and that time I was told that my PMI could not be removed because I needed to have a 65 % XXXX. Again I was instructed to fill out the forms, pay another {$100.00} check, and have a XXXX performed to determine if I met the requirements of a 65 % XXXX. I saw the check was cashed the first part of XX/XX/XXXX and after a few weeks of not hearing from Caliber I sent them a secure email through my online account with Caliber to ask them what needed to be done now since I saw the check was cashed but had not heard from anyone and they just sent another automated email saying " Read our FAQ 's ''. I responded to the email and said that didn't answer my question. They then responded with the same email telling me to read the FAQ 's. Then today I got another email saying that the {$100.00} check was refunded and that they can not discuss PMI removal requests over the secure email and to call customer service. I'm now on the phone with customer service and they're telling me that the company who does the XXXX was never able to contact me. This is not true. I have not received a single call, voicemail, or text from anyone related to this matter. This is the second time Ive paid the {$100.00} and signed the forms and I've had the same issue both times. I just did this same process for another loan with a different bank and had zero issues with that company. This is 100 % a problem on Caliber Home loans end and they refuse to fix the issue. I'm not sure what else to do and that's why I'm submitting this claim. Caliber refuses to send me anything in writing, won't let me email them regarding the matter for my evidence, and refuse to tell me what I need to do to fix the issue. And when I do what they require they still do not perform. So to be clear, I've had this loan since XX/XX/XXXX, I've filled out the Caliber Home loan forms 2 times, I've sent in the XXXX Check for {$100.00} 2 times, my property is worth nearly $ XXXX and I currently owe $ XXXX on it and would be well below the 65 % requirement. Lastly, This is a multifamily property that I purchased as my primary residence. This was not purchased as an Investment property and even if they want to count it as an investment property it still meets their requirements for PMI removal as per their forms.
|
| 03/30/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I filed previous complaint number XXXX.
If I have to go through foreclosure, both XXXX XXXX and I are both losers. We both will lose a lot of money if I go through foreclosure.
Due to the fact that Caliber Home Loans did not tell me the XXXX XXXX Guidelines up front is the reason that I am in this situation. Had I known the guidelines, I would have made a different decision. I am now facing foreclosure. I had wanted a modification but Caliber did not tell me the XXXX XXXX Guidelines, The property was rental property and I had an agent ready to rent the property out. Even though it was in pre-foreclosure status, I could have caught it up by now. While waiting for a modification more months went by and I got further behind. If Caliber had just told me the XXXX XXXX guidelines I would not have even applied for the modification that took many months to get processed. Additional months went by while I applied for a modification that I was not going to get anyway. Now we both lose money -- XXXX XXXX and I.
When I filed the previous complaint, Caliber did not address my complaint but instead only sent copy of my files.
Initially all Caliber had to do was say " this is a XXXX XXXX loan and these are the guidelines ''. They could have told me the limit for the modifications. Caliber failed to disclose the XXXX XXXX guidelines when they should have known the guidelines. It was not necessary for me to go through a modification process for Caliber to know the guidelines.
Also Caliber did not adequately address Compliant # ( number XXXX ) See that complaint for additional detail. 1 ) Could your CFPB agency respond to it this directly? Could you let me know if Caliber should have given me the XXXX XXXX Guidelines up front? I do n't understand why they did n't. They knew that it was a rental property and I could have rented it out for enough to pay the mortgage. If I had known all the information, then this problem would have been solved a long time ago.
Since I will make no money on a foreclosure and no money on a short-sale either could someone send me the written guidelines showing why I have to go through a foreclosure versus a short-sale if there is a buyer. If I am not making any money on the deal either way, then what is the reasoning behind the foreclosure? Going through a foreclosure would cause me to have to go through another hardship that affects my permanent record of having a foreclosure versus a short sale ( all because in the beginning Caliber did not tell me the XXXX XXXX guidelines ). Could the law or guideline to this be sent to me in writing?
Could CFPB investigate this complaint and let me know directly whether or not you agree that Caliber should have told me the XXXX XXXX guidelines up front ( before I even submitted modification papers ). They said that I did not get a modification because of XXXX XXXX guidelines, but they did not tell me those guidelines in the beginning. They gave me the false hope that I could get a modification. Do you agree with what I am saying? Please indicate your comments.
My hardship now could have been avoided because at that time I could have got it rented and it would have paid the mortgage on the property. Now we are both losers -- XXXX XXXX and I. Could CFPB address this and tell me directly whether or not Caliber was in violation? Your response shall be greatly appreciated.
See previous Complaint # XXXX for additional detail.
|
| 07/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Attached as Item A My wife and I refinanced our mortgage with the same lender ( Caliber Home Loans ) on XX/XX/2020. Now Caliber is saying that the closing disclosure that they signed at settlement was incorrect. We had an automated payment ( {$2600.00} ) to the old loan that was taken out before we could shut-off the auto-debit. The lender is saying that they will not return the amount because it was used to cover a mistake they made on the closing disclosures. ( See email attached as Item I, eye ) Further, I have received seven different explanations as to what would/did happen as a result of the overpayment and/or closing errors. Five of those explanations are in writing and attached to this complaint. A summary is also bulleted below. I was told on XX/XX/2020, the issue has been taken up by the company 's " customer resolution team ( Item B ). Im not sure what that means but whatever they come back with will be the eighth explanation Ive received. I have lost trust that I can believe whatever they come back with.
- We closed on our refinance on XX/XX/2020. An auto-payment on the old loan was initiated from our bank account the same day. Caliber received our payment on XX/XX/XXXX.
- On XX/XX/XXXX, I received an email that the overpayment would be sent back within 21 days ( Item C ) - In late XXXX, I made a phone call to customer service about the overpayment. I was told verbally the overpayment would be reimbursed within a few days along with another $ XXXX-or-so dollars leftover from escrow.
- On XX/XX/XXXX, I received an email saying I was only receiving {$260.00} with no mention of an overpayment ( Item D ).
- On about XX/XX/XXXX, I called customer service again. They now said they had no record of an overpayment or left-over escrow, and no reimbursement would be sent.
- On XX/XX/XXXX, I was told a check for {$4000.00} was mailed to me on XX/XX/XXXX. This is the most confusing explanation I received. XX/XX/XXXX was before we closed on the refi ( XX/XX/XXXX ). And the amount was significantly more than the overpayment. ( Item E ) - On XX/XX/XXXX, I was told there was actually never a check sent. Further, I was told that the overpayment was applied to the old loan on XX/XX/XXXX, six days after closing. I was provided a payoff history document which indicates this ( Item H ). This was my first indication there could be something wrong with the closing docs. ( Items F & G ) - On XX/XX/XXXX, I was told there was an error made at closing on the payoff amount. The XX/XX/XXXX email ( Item I, eye ) included three attachments ( J, K & L ) that outlined where the errors were made. Items J & K are documents from closing. Item L is a payoff history document, which according to Caliber, includes the correct payoff amount. I dont recall seeing Item L before XX/XX/XXXX. It was not in my closing documents. Im not saying I did not get it at some point, just that it was not provided at closing and I dont recall receiving it. I would not have gotten this explanation without a lot of pushing. I had to consistently push on several layers of bureaucracy to get this acknowledgment.
- On XX/XX/XXXX, I engaged with a HUD-approved housing counselor, XXXX in XXXX Virginia. They did a review of our documents and consulted an attorney on our behalf. They think its likely the lender violated RESPA by not formally disclosing the error. They recommended contacting the CFPB with this complaint.
|
| 02/05/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
My issue is with Caliber who is servicing my FHA home loan for my house in XXXX XXXX that I occupy with my husband and XXXX children, one of which has major medical problems. We are facing a foreclosure sale date because Caliber has given us the runaround and misled us after a temporary hardship caused us to miss a few payments. Caliber dragged out our review for many months after telling us we fit into guidelines and would be approved and are refusing to accept any payments from us and demand that we pay them $ XXXX in one payment otherwise they will foreclose on our home. We have the financial means to make a mortgage payment and our hardship was temporary. HUD offers several homeowner assistance programs for families in our position, but Caliber is not allowing us access to these programs.
We purchased our home with an FHA loan through XXXX about 4 years ago. My husband and I were both gainfully employed at the time of the loan ( I worked in the XXXX field for the last 15 years while my husband has worked XXXX for XXXX XXXX XXXX for the last 5 years ) and there were no issues with the monthly payment. Problems began when my husband had to go on unemployment for several months due to the horrible weather that year -- -we lost the majority of his paycheck and this coincided with major medical issues for my son who has a severe case of XXXX. We were overwhelmed with medical bills and expensive prescriptions that he needed and this combination led us to default on the loan payments. The loan was assigned to Caliber at the time of the default. Approximately six months later my husband was back to work full time and I was back on my feet and we reached out to the Caliber loss mitigation department to try to get caught up on our loan. We were told after a phone interview that we qualified for a loan modification, and if that would not work then we would be able to get into a repayment plan in a worst case scenario. We sent all of the paperwork in and were told there would be a decision in XX/XX/XXXXthen it was pushed out to XX/XX/XXXX, then XX/XX/XXXX. Paperwork had to be resubmitted, documents were lost or misplaced, then finally in XX/XX/XXXX we were told that we were denied. We did not receive specific information as to exactly WHY we were denied and what inputs were used in the review as well as what programs we were actually reviewed for by Caliber. Instead of resuming making payments, we are getting threatened with foreclosure and believe that there is a sale date coming on XX/XX/XXXX.
We believe that Caliber is required to conduct a thorough review of our current and correct financial information in order to attempt to qualify us for modification, partial claim, forbearance plan, restructured loan or some type of repayment plan. If such a review is conducted and we are not approved, then we believe that Caliber is required to disclose to us the inputs that were used when this evaluation took placethe income, the property value, the impound account etc. so that we can verify accuracy. None of this happened and now Caliber is trying to auction off our house. Additionally, Caliber has not even sent out the paperwork for Occupied Conveyance which I am told is also required by HUD. Caliber seems to be trying to pull a fast one and get our home foreclosed on so they can cash in on the government insurance. This is wrong. We wanted to make your office aware of this situation.
|
| 01/08/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I am disputing my payment history and my escrow account, My XXXX confirmation date was XXXX XXXX. My home loans were re modified. I took months and years to get the proper numbers from the banks, and the first bank sold the note to Caliber Home loans, I was in default and in XXXX XXXX, I paid over {$62000.00} to catch up on all payments.
Below is the response from Caliber Home Loans Response Please be advised, XXXX mailed a reinstatement letter to you on XXXX XXXX, XXXX requesting an amount of {$64000.00} by XXXX XXXX, XXXX to reinstate the loan. The reinstatement meant you will bring your mortgage current by paying all past due amounts including the amount that we paid on your behalf ( servicer advances ). As stated herein, Caliber did not advance any funds on your behalf ; therefore, the escrow shortage was not included in the reinstatement amount.
XXXX XXXX, XXXX : Caliber received {$10000.00} via check number ending in XXXX.
XXXX XXXX, XXXX : Caliber received check number XXXX in the amount of {$10000.00} and check number XXXX in the amount of {$11000.00}.
XXXX XXXX, XXXX : Caliber received check number XXXX in the amount of {$9800.00}.
XXXX XXXX, XXXX : Caliber received a wire transfer in the amount of {$22000.00}.
The above amount totaled {$63000.00} and was posted to the loan as follows : XXXX monthly payments ( excluding the escrow shortage collection ) in the amount of {$790.00}. These monthly payments were from XXXX XXXX, XXXX through the XX/XX/XXXX monthly installment which brought the loan contractually current and next due for the XX/XX/XXXX monthly payment.
o It should be noted, within the enclosed payment history, the term " Post-Allocate '' reflects a monthly installment.
Next Caliber posted {$1300.00} towards fees that were assessed on the loan at that time.
{$270.00} were posted towards uncollected late charges.
After the funds were posted as detailed above, there was a remaining {$790.00}. This amount was posted towards principal.
On XXXX XXXX, XXXX, fees in the amount of {$600.00} were billed to the loan. Please be advised, these fees were not included in the reinstatement amount as they were not yet billed to the loan at the time the reinstatement quote was provided ; however they are due in accordance with the executed loan terms.
Caliber received a payment in the amount of {$790.00} on XXXX XXXX, XXXX which posted towards a monthly payment bringing the loan contractually due for the XX/XX/XXXX monthly installment.
An additional fee in the amount of {$15.00} was assessed to the loan XXXX XXXX, XXXX for a property inspection completed during XXXX as a result of the default on the loan. Again, this was not billed to the loan at the time the reinstatement was completed and could not be included on the reinstatement quote you were provided.
An escrow analysis was conducted on XXXX XXXX, XXXX which advised that you would incur a payment change effective with the XX/XX/XXXX monthly installment. This change would increase the monthly payment from {$790.00} to {$2000.00} due to an escrow shortage at that time in the amount of {$13000.00}. This shortage originally was spread over twelve ( 12 ) months. However, in an effort to reduce the payment amount Caliber adjusted the shortage to be spread over sixty ( 60 ) months thereby increasing your original monthly payments from {$790.00} to {$1100.00} still effective with the XXXX XXXX, XXXX payment.
|
| 09/29/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
There is a mortgage on my property, I am an owner on the property but am not the morgatgee. Several years ago we began having problems with the company servicing the loan on my property, XXXX XXXX. They were collecting escrow accounts on money that was not owed, the property was property tax exempt at the time but despite almost a year of paper work and meeting the problem continued. They also often held payments made to the branch on time for several days before processing as to incure late fees and overages. A short time after my mothers ex-husband filed for his own personal bankruptcy the bank would no longer accept payments on the mortgage nor provide any statements, written or verbal, as to the amount for the monthly payment that the mortgage had change to. Over several more months, everytime I went to any of the existing branches in my area, no one at the bank up to and including the manager could do anything but tell me to contact the escalations department in XXXX FL, as the account was locked from normal operations. The only contact at that number was a rude and completely dismissive customer service rep named XXXX, who in several months was the only person that would talk to me, never elevating my call to a higher level and demanding that the mortgage be paid, while simultaneously and repeatedly telling me that he would and could not give me the amount of the bill or where it was to be paid, only saying it had to go to XXXX bet he could not state where because that would be an effort to collect a debt. This continued for months and months, until notices came. No amount of calling or letter writing found anyone within the company to straighten out the no-mans land of lending we were in. At that time XXXX XXXX was dissolved and sold off to other banks, apparently first XXXX XXXX XXXX and then several other secondary companies. I do not know who holds the mortgage on my property at this point.
I am writing this because a foreclosure action was just apparently signed on my property and at no point in time with these hearings or plaintiff shifts was I notified or served. An order of sale is scheduled for later in XXXX and I was never included in any of the proceedings despite my rights and interests in the real property being debated. My rights to due process have been utterly ignored and no consideration, communication or reparation have be offered at all. There is no way it can be legal to force the sale of my property while never giving me an opportunity to defend my legal and financial interests and this is a gross XXXX.
Not only is my property being taken from me without due process, but the forclosure action included foreclosing on property that WAS NOT PART OF THE MORTGAGE at all! This is tantamount to theft!
My mothers ex-husband was never on the XXXX property, which is deeded and taxed completely separately, and could never have secured a mortgage on it in the first place as he was never a property owner. I have a right to be represented properly, notified, and not subjected to the whims of a kangaroo court style denial of my rights. This situation needs addressing IMMEDIATELY, as a foreclosure sale is imminent on my family home of the last 30 years and denying me the rights to my legal and constitutional rights is an insult to this country and the legal system it was founded on as much as it is an injury to me mentally, emotionally, financially and civilly.
|
| 02/18/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Dear CFPB, Please find this complaint against Caliber Home Mortgage who appears to operate a scam with my escrow account.
I received my XX/XX/XXXX mortgage statement and a Notice from Caliber Home Loan where they said that I have a " shortage '' on my account ; and this is related to tax escrow.
My current mortgage payment is XXXX. Caliber informs me that my new payment beginning XXXX will be .. {$1000.00}, or about 40 % increase in payments, because I have a " shortage '' of {$1700.00}. Or I can pay the full amount of " shortage '' and get a new loan payment {$920.00}, or MORE than my original mortgage amount, while my property taxes were significantly reduced because this property is my primary residence ; and I am a veteran. Under Caliber 's servicing, it looks like taxes somehow doubled from the original - without any notices to me.
All other payments such as property insurance remain the same.
Caliber conduct looks like a scam, racket and a massive consumer fraud. It is a well-known practice when Servicers bill customers twice, once in escrow account, and second as " shortage '' - and pocket the difference which is in average {$2000.00} per accident.
Moreover, it appears that Caliber probably did not pay my property taxes on time ; and it caused a lump sum increase to the entire tax account.
When I signed for the mortgage, my escrow account was {$290.00}, and the previous owner 's taxes were about {$1300.00}, which the previous owners billed as their secondary residence. The same amount ( {$1300.00} ) stayed for at least last ten years and never increased.
In XXXX I claimed this property as my primary residence and as a veteran, so my tax bill in XXXX was significantly reduced to {$370.00} ( summer ) and {$530.00} ( winter ), total {$900.00}. I did not received any Notices from the tax assessor that my taxes are going up ; or the status of my residence was changed.
In XXXX XXXX my summer tax bill was {$500.00} ( the previous owners never had it so high ) ; and my XXXX winter bill was ... {$1500.00}!!!!
Which is total {$2000.00} in property taxes in XXXX! or over 100 % increase - again, without any Notice to me neither from the assessor ; or from the Servicer, who of course must be aware if the property taxes are going up, so Servicers can accumulate funds to cover the difference.
Caliber never sent me any Notices that my taxes are going to be increased by over 100 % in just a few months.
It looks like Servicers operate a massive fraud with mortgage escrow funds ; double charge borrowers ; and intentionally push people under hardship to foreclose them.
Caliber has a very bad reputation among the customers whom they scam in all possible ways all the time.
I demand explanations from Caliber regarding this unexpected " shortage '' in my escrow account ; why they failed to inform me about changes in my taxes ( if here were any changes, which I doubt ) ; and how I can remove my escrow account and pay my taxes and insurance separately.
Thank you in advance XXXX XXXX how banks defraud customers is below " bank or mortgage servicer tries to collect twice on the escrow funds once as part of the overall mortgage payment, and again as a separate escrow shortage charge.
The average double charge is about {$2000.00}, said forensic accountant XXXX XXXX of Full Disclosure in Arkansas, who sees escrow issues in half the cases he examines.
|
| 07/31/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
Since purchasing my home 31 years ago, I have lived and cared for this house, been fully employed, and paid my mortgage faithfully. In late XX/XX/XXXX, I fell behind in mortgage payments because my son had a XXXX and my mother was diagnosed with XXXX and XXXX quickly. Taking care of my family resulted in working fewer hours for several months. I contacted my lender ( XXXX XXXX XXXX ) to let them know I had experienced a temporary hardship and was eager to catch up on the missed payments. XXXX refused to accept a partial payment which I offered to make several times. XXXX initiated foreclosure on XX/XX/XXXX and asked me to apply for a loan modification. After successfully refinancing my mortgage in the past, I assumed that this would follow the same course and the matter would resolve swiftly. What has followed has been an unimaginable nightmare. Despite a long history of full employment and faithful payments, a one-time hardship episode of several missed mortgage payments has led to my house being sold without my knowledge or consent. XXXX made an Adjustable Rate Libor-based loan to us in XX/XX/XXXX ( out of Ohio ) and then a HAMP loan modification in XX/XX/XXXX. This loan was securitized, bundled into a PSA and sold to XXXX XXXX XXXX, XXXX, as trustee for XXXX Master Participation Trust ( serviced by Caliber Home Loans ) with a transfer of title that may be fraudulent ( signers do not exist as purported ). Caliber and their attorneys, XXXX, relentlessly pursued foreclosure, despite consistently stating that they wanted to help us stay in our home and work out a loan modification or repayment plan with us. Caliber and XXXX engaged in conduct which prevented us from protecting our interests in the the property, affected our right to redeem the property, and resulted in fraudulent foreclosure and sale. We have been Dual-Tracked from the beginning and Dual-Tracking is inherently a form of fraud : Caliber said they would not proceed with foreclosure during loan modification review periods and during a repayment plan ; they actually accelerated the foreclosure process during these periods. Caliber is required by law to consider us for a full range of loan mitigation options and they failed to do so. Over and over, Caliber said one thing and XXXX did another. In the months leading up to the sale of our home. We were assured by Caliber in writing that the sale would not occur while we were in loss mitigation. We first learned that the sale had occurred when the buyer jumped over a fence and tried to force entry into the property. If we had known about the sale, we would have acted to stop it. We had other options available, including higher offers for the building that we had already received. This was never about our ability to pay, only about how to pay. Caliber kept saying they would help us, in the meantime our credit was ruined and we couldnt get a loan elsewhere. Caliber never actually helped us in any way, never appeared to want or intend to work with us. We cooperated fully with all requests and demands from Caliber in a timely and thorough manner. I have attached below a detailed description of what happened to us, our most recent court motion which summarizes some of the pertinent legal issues, a copy of the mortgage assignments that appear robo-signed, and a document with more information about pertinent robe-signing. Thank you for your help!
|
| 11/17/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
CALIBER HOME LOANS. Loan Number : XXXX From case number XXXX LETTER # 1 ON XX/XX/XXXX FROM XXXX ( ORIGINAL ) Loan Number : XXXX XXXX ( TRANSFERRED TO CALIBER HOME LOANS ON XX/XX/XXXX NO TRANSFER LETTER HAS BEEN RECEIVED AS OF XX/XX/XXXX ) Property Address : XXXX, NJ XXXX Sheriff # : XXXX, Court Case # : XXXX - Sale Date XX/XX/XXXX Plaintiff Attorney : XXXX XXXX Please note that I would like to request a STAY OF SALE FOR 4 WEEKS due to the fact that my loan is being sold to another Bank ( investor ) and I need their information in order to proceed with the proper Short Sale process with them.
As of today the current servicer : XXXX was going to approve the Short Sale, but they are unable to do so since, as stated above, the loan is being sold and they are releasing it from servicing. They are also not allowed to provide the contact information of the new investor, they said that it should come in the mail on a " Welcome Letter '' which has n't arrived.
This is " hindering '' my chance of saving my home from an unnecessary foreclosure ( see below and letter ).
Based on the Consumer Financial Protection Bureau ( CFPB ) website " Mortgage Servicers are Warned About Legal Protections for Consumers When Transferring Loans ... Consumers should not be collateral damage in the mortgage servicing transfer process ... Mortgage servicers are subject to federal laws such as : the Real Estate Settlement Procedures Act, the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and prohibitions on unfair, deceptive, or abusive acts or practices. '' Please contact my agent below should you require any additional information.
XXXX, XXXX at XXXX X XXXX - XXXX LETTER # 2 ON XX/XX/XXXX ... Even though the Foreclosure Sale Date is on XX/XX/XXXX, XXXX has been in the process of selling the loan to another Bank ( investor ) for a while ; they are not allowed to disclose their name. They say that I am supposed to receive a letter from them releasing the servicing and a " welcome '' letter from the new Bank. None of those have arrived ...
... I need some additional time to be able to identify who the new Lender is and proceed with their Short Sale process so I do n't end up in foreclosure for lack of knowing who is my Lender.
Sincerely, XXXX XX/XX/XXXX ON XX/XX/XXXX XXXX RESPONDED to Case Number XXXX indicating that they received the inquiry and it was being escalated.
THEN ON XX/XX/XXXX XXXX ISSUED A LETTER ON Case Number XXXX indicating that the loan was sold to CALIBER HOME LOANS on XX/XX/2016 and that the sale date was postponed. They also provided a copy of the transfer notice but there is no account number.
AS of today XX/XX/XXXX I have not received a letter from CALIBER HOME LOANS. I decided to call them and thy gave me a hard time to locate the account number which is Loan Number : XXXX. The only problem is that the Foreclosure Sale Date is now on XX/XX/XXXX and we do n't have enough time to submit a short sale and get it approved and close. I am requesting an 8 week extension for us to be able to get an approval and close on the sale. Again, this whole ordeal is " hindering '' my chance of saving my home from an unnecessary foreclosure and the devastating consequences on my credit going forward.
Please contact my agent below should you require any additional information : XXXX, XXXX at XXXX X XXXX - XXXX Thanks a lot, XXXX XX/XX/XXXX
|
| 02/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX I entered in a securities transaction with undisclosed to me investment bank ( masqueraded as a home loan with XXXX Mortgage XXXX XXXX ).
On XX/XX/XXXX XXXX provided me forged and incomplete RESPA disclosures where none of the real parties were disclosed to me.
I did not know about real nature and real parties in my transaction and signed a Promissory Note promising payments to XXXX ( who I assumed loaned me real money from their own funds ) and Mortgage as a security for my repayments to XXXX.
I had no idea that I was induced to become an Issuer in a securities scheme operated by XXXX of XXXX Banks, likely XXXX XXXX, instead of that appeared to be a borrower in a loan agreement. Thus, my transaction was fraudulent and void from the beginning As I later learned, XXXX of the actual parties involved in my transaction before closing was XXXX XXXX XXXX XXXX XXXX whose name was on Commitment letter dated XXXX XXXX, 2016. XX/XX/XXXXis owned by XXXX XXXX Funds, a hedge fund who is closely connected to major investment banks as their real " debt collector '' who are acting under names of fictitious " servicers '' and transfer my money offshore, likely to XXXX, via complex chain of fintech companies who do all servicing activities.
I also learned that someone transferred XXXX to my Note to XX/XX/XXXXon my closing day, thus XXXX theoretically became the holder of the Note and the owner of this alleged debt from XX/XX/XXXX. XXXX confirmed that they are Note holder, thus alleged " owner '' of the debt.
XX/XX/XXXXmust answer this question : was a loan account created when we closed the transaction? If yes, WHO created this loan account receivable?
According to XX/XX/XXXX2016 Welcome Letter from XXXX XXXX XXXX XXXX XXXX XXXX ( acting as XX/XX/XXXX), loan XXXX belonged to PRIOR Servicer, who in this letter was named XXXX Mortgage. See letter attached. During all time in question XXXX claimed that their loan account serviced by XXXX is XXXX.
On XX/XX/XXXX2022 lawyer XXXX forwarded to me another XXXX where XXXX transferred loan XXXX to someone without recourse.
Please state who prepared this XXXX ; the date when this XXXX was prepared and signed ; and to XXXX it was transferred without recourse.
According to XX/XX/XXXX letter from XXXX, the current owner of my loan is XXXX.
According to XXXX letters of XX/XX/XXXX2021 and XX/XX/XXXX2022 XXXX has absolutely no records about my transaction with XXXX or any involvement by XX/XX/XXXXor XX/XX/XXXX.
According to Bank XXXXXX/XX/XXXX, acting as Trustee for XXXX, they have no records about my loan in XXXX pooled securities.
So, its unclear why XXXX transfer a loan which did not belonged to them ; and to WHOM undated XXXX directed payments without recourse? When and where this XXXX was prepared and signed?
I am not challenging the Assignment of Mortgage from non-existing XXXX Mortgage via XXXX XXXX XXXX XXXX to a fictitious corporation XXXX XXXX XXXX XXXX XXXX owned by hedge fund XXXX XXXX XXXX ( who owned by XXXX XXXX XXXX XXXX XXXX, XXXX ) I am challenging the existence of this transaction in the real life. My Note has provision that it can be sold or parts of it can be sold.
I am entitled to have evidence of the actual SALES, such as copy of the real PAYMENT for my loan, such as wire transfer receipt, XXXX, cancelled check and a copy of accounting ledger which can proof of such payment
|
| 06/14/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Hawaii Tax Calendar Year XX/XX/XXXX-XX/XX/XXXX ->Prepay taxes Due XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX ->Due XX/XX/XXXX XX/XX/XXXX closed on a condo on Hawaii at which time I paid 2 months county taxes @ {$210.00} = {$430.00} to Caliber. I pay all my bills on time to Caliber in the full amounts they bill me for.
As of XX/XX/XXXX, Caliber had not paid my XX/XX/XXXX-XX/XX/XXXX tax payment which was due XX/XX/XXXX.
XX/XX/XXXX Caliber paid {$1500.00} which they stated was to cover XX/XX/XXXX-XX/XX/XXXX and was due XX/XX/XXXX. I called the state of Hawaii Tax Department and they said the payment was applied to XX/XX/XXXX but missing ( P & I ) penalty & interest fees totalling {$250.00}.
XX/XX/XXXX, I noticed {$250.00} was taken out of MY ESCROW ACCOUNT and paid to Hawaii - it was listed as Tax Payment. Caliber stated that was a pro-rated part of XX/XX/XXXX payment.
XX/XX/XXXX called Caliber to tell them that Hawaii updated the XX/XX/XXXX-XX/XX/XXXX tax bill to {$1600.00} ; Said to call back in 20 days and I told them no Ill be out the country then. I want an answer ASAP. Theyre escalating should hear back in 2 days. Never heard back.
XX/XX/XXXX called, first they said {$1500.00} was mailed. Called again, they said {$1600.00} was mailed on XX/XX/XXXX. Called Hawaii and they havent received it ( 3 weeks later ). Called Caliber back, they said they sent it in error and had to retrieve the payment and resent on XX/XX/XXXX.
XX/XX/XXXX - called Caliber and they said at closing taxes were short by {$250.00} they were notified about that and were delinquent. They said {$4.00} of penalty was charged which they charged back to closing/they paid it. I disagreed and the lady got angry and said she was going to hang up.
XX/XX/XXXX - called Caliber and asked to speak with a supervisor. The CSR said indeed I shouldnt have been charged the {$250.00}, then put me on hold and then said it was for unpaid taxes at closing. I asked why Hawaii never had that on a statement for me and who paid the penalties & interest of {$250.00} then? He didnt have an answer. Said hed call back this afternoon once Hawaii is open and do a conference call. They didnt.
XX/XX/XXXX - called Hawaii, they said NOTHING was due at time of closing. The first bill was due in XX/XX/XXXX and was paid late ( XX/XX/XXXX ) with P & I totalling {$250.00}. Hawaii said XX/XX/XXXX payment was just received ( late ) and P & I will be charged on that too. Called Caliber and spoke with XXXX ( Supervisor ) at extension XXXX. Said XXXX get the P & I money back in my escrow and follow up on the XX/XX/XXXX payment that no future late payments are taking out of my account. Should take 15 business days ( XX/XX/XXXX ) to complete and get caught up on payments.
XX/XX/XXXX - Called and said I wanted loan recalculated and escrow closed because I no longer want them taking out my taxes since they cant seem to pay them on time.
XX/XX/XXXX - received a letter they cant close my escrow because my last payment was {$210.00} short!! How can that be when they owe me {$250.00}??? They owe me since XX/XX/XXXX - thats 4 months theyve earned interest on MY MONEY!
Numerous phone calls made since XX/XX/XXXX questioning why my taxes werent getting paid on time and why money was taken out of MY ACCOUNT for THEIR MESS UP and no one seems to be able to get me a straight answer or get MY MONEY back in my account!
|
| 02/15/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
This is a follow up to complaint XXXX, for which Caliber Home Loans provided an explanation, but in which Calibers assertions about amount due are incorrect. I refer the CFPB to both my complaint and to Calibers Response there. Caliber has : 1. Consistently failed to inform me of problems with the account or given me incorrect information : ( a ) payment increase was made effective for XXXX 's payment, when I had been informed that this payment of {$2300.00} would be due at the end of XXXX for XXXX. ( b ) when a 3rd escrow analysis was performed in late XXXX, and the payment further increased, made retroactive to the XXXX payment ( due 30 days before the decision of the increase ) this was not communicated to me - I only received notices of delinquency.
2. Mismanaged my payments. Monies received for my payments were placed elsewhere and not applied, creating a cause for delinquency in Caliber 's system. This money was never correctly applied. Escrow monies mailed with the voucher to ensure that they were applied to escrow were applied for other purposes, beginning this confusion and leading to several calls and mailed notices claiming delinquency.
3. Made incorrect assertions of payments due. They claim that I owe XXXX, plus the payment for XXXX of {$2300.00}. Their convoluted explanation aside - please see their response to complaint XXXX - the basic math is this.
Correct payments according to Caliber : XXXX {$2300.00}, XXXX {$2300.00}, XXXX {$2300.00}. Total due : XXXX.
Payments from me which they have received, and which I made according to the instructions of their representatives : XXXX. {$2200.00}, XXXX {$2300.00}, XXXX {$2300.00}. Total paid : {$6900.00} Amount of the {$6900.00} paid that Caliber did not apply to or consider a " payment '' but instead applied to principal, leading them to claim delinquency : {$1700.00}.
Amount Caliber considers " paid '' ( the amount I paid, less the amount they put into principal instead of considering it a " payment '' - i.e {$1700.00}. ) - {$5100.00}.
Amount that Caliber says is due for XXXX, XXXX, and XXXX ( {$XXXX} ), less the amount Caliber considers/has applied to " payment '' ( {$XXXX} ) -- - = {$1800.00}. This should be the amount that will make my loan current through XXXX.
Amount Caliber says that to be current through XXXX I should pay them XXXX 's payment of {$2300.00}, plus the {$14.00} that they say is outstanding for XXXX. = {$2300.00}.
I continue to call Caliber and will pursue an explanation I have now invested over 8 hours in calls with Caliber and 3-4 hours additional in pursuit of this complaint and straightening out Caliber 's math. Yesterday I called four times, spoke with five different respondents, and had two of the calls dropped ( not by me ). Even though they assured me they would call back, no one called me back. Today I called and spent 1 hour and fifteen minutes with a Caliber person with no resolution. Caliber has no way to call one person to try to follow this through, and extensions of interlocutors are not given out.
I would like to have one interlocutor with whom I do not have to explain the problem and wait on the phone for 1-2 hours while they sort out Caliber 's tangling of this issue. I would like Caliber to provide a simple explanation of why there are payment increases. And I would like their claims for payment to match their own figures.
|
| 02/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX I entered in a securities transaction with undisclosed to me investment bank ( masqueraded as a home loan with XXXX XXXX XXXX XXXX ).
On XX/XX/XXXX XXXX provided me forged and incomplete RESPA disclosures where none of the real parties were disclosed to me.
I did not know about real nature and real parties in my transaction and signed a Promissory Note promising payments to XXXX ( who I assumed loaned me real money from their own funds ) and Mortgage as a security for my repayments to XXXX.
I had no idea that I was induced to become an Issuer in a securities scheme operated by one of Investment Banks, likely XXXX XXXX, instead of that appeared to be a borrower in a loan agreement. Thus, my transaction was fraudulent and void from the beginning As I later learned, one of the actual parties involved in my transaction before closing was Caliber Home Loans , Inc whose name was on Commitment letter dated XX/XX/XXXX. Caliber is owned by XXXX XXXX XXXX, a hedge fund who is closely connected to major investment banks as their real " debt collector '' who are acting under names of fictitious " servicers '' and transfer my money offshore, likely to XXXX, via complex chain of fintech companies who do all servicing activities.
I also learned that someone transferred XXXX to my Note to Caliber on my closing day, thus Caliber theoretically became the holder of the Note and the owner of this alleged debt from XX/XX/XXXX. Caliber confirmed that they are Note holder, thus alleged " owner '' of the debt.
Caliber must answer this question : was a loan account created when we closed the transaction? If yes, WHO created this loan account receivable?
According to XX/XX/XXXX Welcome Letter from XXXX XXXX XXXX XXXX XXXX XXXX ( acting as Caliber ), loan XXXX belonged to PRIOR Servicer, who in this letter was named XXXXXXXX XXXX. See letter attached. During all time in question Caliber claimed that their loan account serviced by Caliber is XXXX.
On XX/XX/XXXX lawyer XXXX forwarded to me another XXXX where Caliber transferred loan XXXX to someone without recourse.
Please state who prepared this XXXX ; the date when this XXXX was prepared and signed ; and to WHOM it was transferred without recourse.
According to XX/XX/XXXX letter from Caliber, the current owner of my loan is XXXX.
According to XXXX letters of XX/XX/XXXX and XX/XX/XXXX XXXX has absolutely no records about my transaction with XXXX or any involvement by Caliber or XXXX
According to XXXX XXXX XXXX XXXX, acting as Trustee for XXXX, they have no records about my loan in XXXX pooled securities.
So, its unclear why Caliber transfer a loan which did not belonged to them ; and to WHOM undated XXXX directed payments without recourse? When and where this XXXX was prepared and signed?
I am not challenging the Assignment of Mortgage from non-existing XXXX XXXX via XXXX XXXX XXXX XXXX to a fictitious corporation XXXX XXXX XXXX XXXX XXXX owned by hedge fund XXXX XXXX XXXX ( who owned by XXXX XXXX XXXX XXXX XXXX, XXXX ) I am challenging the existence of this transaction in the real life. My Note has provision that it can be sold or parts of it can be sold.
I am entitled to have evidence of the actual SALES, such as copy of the real PAYMENT for my loan, such as wire transfer receipt, ACH, cancelled check and a copy of accounting ledger which can proof of such payment
|
| 07/21/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
My husband and I started with Caliber Home Loans on XX/XX/XXXX for a purchase with a mid score of XXXX. I was emailed paperwork I had to sign on XX/XX/XXXX with an interest rate of 2.750 %. Then XXXX XXXX allowed his Loan Officer XXXX XXXX to take over the loan. The communication was awful. When I wanted to speak with her about the loan I had to wait on her time. Then the next thing I see they gave another rate of 9.625 %. I asked why they rate is so high if the credit report is good for 90 days. She said something about the bankruptcy. That is when I said your Broker approved us with the same credit report. No one was pulling our credit and we kept our bills paid. Then the seller stated we had to use their attorney which was a nightmare. Our home appraised for {$190000.00} but the loan amount was {$200000.00}. This loan should not have never closed. I told them I will pay the closing cost do not add it into the loan amount which they did. They wanted me to put down 20 % of the loan amount. But instead I had to bring {$52000.00}. They lied on the HUD that the seller paid {$12000.00}. On the Purchase agreement under Financing line ( 3 ) states the Purchaser is responsible for closing cost and I initial it. The first set of paperwork I was supposed to put down {$38000.00} and closing cost {$4200.00}. So, after the rate changed, I ask Ms. XXXX can I buy the rate down she said let us just continue with the loan as it is and refinance in a year. We closed on the loan XX/XX/XXXX. The attorney kept saying sign here and not going over the paperwork with us. I felt like he was helping the Seller instead of us. So, I had already made 4 payments to put the house ahead. On XXXX XXXX Caliber Funding sent out new paperwork to be signed because they made errors. I called my husband at work and told him not to sign it. This is the same paperwork we signed at closing in front of the attorney. So, I called the mortgage company no one would not explain where the errors are in the paperwork. Ms. XXXX and Mr. XXXX kept sending me to voicemail. I said fine. XXXXI called XXXX XXXX XXXX at XXXX XXXX XXXX. He is on vacation, so the secretary had another man to call me back with the name XXXX. He chuckled in the phone and said send me the paperwork. I said no sir because you do not seem concern. I said what would you do if someone screwed you over. I did not see nothing funny at all. If we got an approval on XX/XX/XXXX for 2.750 % rate and closed XX/XX/XXXX how in the world the rate changed to 9.625 %? This is using the same credit report because 90 days was not up yet. Plus, the earnest money was added back into the loan amount and the appraisal. I paid closing cost twice with this loan. I had to get a copy of the mortgage offline. This should have been a Building Job but the checked Spec Model. They werent finish building the house until XXXX. This loan was an FHA and then turn over toa Conventional loan. They are very sloppy and unprofessional. The Case number is my loan number now. That is still the same. I kept copies of everything. I do not want one to have to go through this if you trying to Purchase a home. This should be a happy event. What I see is : 1 ) Predatory Lending 2 ) Fraud 3 ) Breach of Contract 4 ) FEDERAL EQUAL CREDIT OPPORTUNITY ACT 5 ) RIGHT TO CHOOSE CLOSING AGENT/ATTORNEY 6 ) FAIR CREDIT REPORTING DISCLOSURE
|
| 05/05/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
In XXXX of XXXX, I utilized the COVID-19 Forebarence to provide relief when I suffered Job loss due to the pandemic. I also went through a divorce and have a quitclaim deed filed with the county ( XXXX, OHIO ). Once I was stable with employment again I called to start the process to come out of forbearance with Caliber and resume my monthly mortgage payments. ( approx time was XX/XX/XXXX for the initial phone conversation ) I was informed that they would not remove my ex-husband 's name as a successor/non-obligor unless I refinanced regardless of what my divorce papers said. I must note that I purchased the house alone and my ex 's signing of the quitclaim deed was to surrender his Dower Rights ( OHIO ). He never signed a promissory note or a single loan document. Yet Caliber insists his name stay on. Unless I could refinance to restructure the loan to remove his name, although I never had his name on in the first place, so until I can afford to refinance I will continue to need his signature for anything to do with the house. How is this legal?
In XX/XX/XXXX I called Caliber again to start the process to come out of Forbarence now that I had spoken to my ex and he agreed to do whatever I needed help with from him. On or about XX/XX/XXXX I paid Caliber Home Loams XXXX to bring my escrow account to a zero balance and avoid having to roll that extra amount into the partial claim. Caliber accepted my escrow payment and still included the amount they had already been paid in the partial claim amount. They received a 2nd payment for the escrow amounts from FHA in XX/XX/XXXX totaling XXXX, which includes XXXX I had already paid. Caliber Home Loans told me at the next escrow analysis they would see the overage and return my money. I signed and completed the notarized document before XX/XX/XXXX. ( That included my ex-husband 's name ) Caliber received payment from Covid-19 relief and FHA. In our new agreement, my payment would be XXXX a month. Today XX/XX/XXXX I called to inquire about my escrow check and a representative told me that Caliber would not be sending me the XXXX because I was delinquent status and was holding up the process. No answers as to why the amount was XXXX and not the XXXX that they received twice. The gentleman I spoke with couldn't help me any further and suggested I call back XX/XX/XXXX, XXXX or maybe XXXX when they run an analysis for Ohio. I explained they have 30 days to return these funds to me once the analysis is completed and I don't have to wait until XXXX to request it. He was no further help. A lady called me back shortly after stating she worked in escalation. She said I was in delinquent status wouldn't be receiving those monies. Now that I'm current they can run yet another analysis report and return XXXX, but my payment is going to go up to XXXX if I request an analysis now.
In the 10 months, I utilized COVID-19 Forbarence my payment changed 4 times.
Started at XXXX when I went into forbearance.
went up to XXXX up again to XXXX back down to XXXX and we agreed to XXXX with the partial claim. Now not even 2 weeks later they are saying in order to send me my escrow overage, my payment will again change to XXXX.
With over another {$100.00} being taken out of the overage for reasons nobody can explain. Fees nobody can tell me what is for. I want my XXXX back respectfully.
|
| 09/12/2018 |
Yes |
|
|
|
Web |
|
|
Three years ago I purchased a house for XXXX. I recently sold it for {$220000.00}. Yesterday I received the HUD and it showed a {$13000.00} second mortgage that I didn't know I had. So, in essence I would have to come to the closing with {$10000.00}. I received a loan modification an year and a half ago, they told me that that Mortgage would be tacked on the back of my loan. I never received copies of any documents after this was completed. I kept inquiring and they said it takes months to get the documents back. Due to Hurricane Irma, losing my roof and losing my job I applied for another modificiation last year. In XXXX they denied me first because I had already gotten a modification then they denied me again because I had my house for sale. All this time my interest is accruing and I am ready, willing and able to pay my mortgage. I called to get my payoff, they told me it was {$200000.00} and NEVER mentioned anything about the second mortgage payoff. I also never received anything in writing either, it was verbal over the phone. If I had actually received a letter I would have read the teenie tiny fine ( an 8 or 6 font ) print on the second page that states " if you have partial claim that amount will not be reflected in the payoff ''. How would I know what a " partial claim '' is? I never received copies of any of the executed documents. I reapplied for another modification and then sold the house. Now Im at the closing table and I see this second mortgage that I didn't know existed as nothing was ever explained to me, my payoff is {$200000.00} ( plus {$13000.00} due to HUD for second mortgage ) when I financed {$200000.00} 3 years ago. I call Caliber about this and they say you are in a Loan Modification, I said how can that be I was never informed. They said they sent out a letter on XX/XX/XXXX which I also never received. I had tenants living with me that I made leave, I had to relocate my daughter and sell my house because I was denied. I have sold all the contents of my house and here I am at the closing table needing {$10000.00}. Caliber tells me now that I can do a Short Sale and walk away with nothing. Then they suggest that I get the Buyer to pay XXXX more for the house or perhaps get the Buyers realtor to come down in his commission. Caliber had not apologized for providing inaccurate information, they SAY they send correspondence and dont. Now the Buyers realtor is also their Landlord so it is believed that he isn't presenting the full picture, he is okay with waiting on the Short Sale because he still gets his rent while they wait. Caliber has given me two different modification decisions, they gave me an inaccurate payoff quote. I would NOT have sold my house for less than what is owed under any circumstances. I called Caliber to ask who I spoke to that day so I could get his name, their " conveniently '' isn't any record of the call. Im am sick to my stomach, there has to be repercussions. I am not preforeclosure, if they even waived a small portion of the late fees and interest we could help get this loan closed. I don't know what to do but I do know that this is VERY WRONG and what they told me was wrong and now I make nothing off my house. I have asked them for copies of my denial letter and my approval for the modification letter, they said they had to get clearance to produce it.
|
| 03/09/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
I am writing this complaint for my husband, XXXX.
I started working with XXXX XXXX, and XXXX at Caliber in XX/XX/XXXX ( when we still lived in XXXX ). We knew we were moving to XXXX and wanted to get a head start on house shopping. He pre-approved XXXX for a USDA home loan based on XXXX 's income in XXXX ( which was slightly more than it is here ). In case you do not know, USDA home loans are based on income ( https : //www.rd.usda.gov/files/RD-GRHLimitMap.pdf So we come here, put an offer in on a house with Due Diligence & Earnest Money ( Due Diligence money is paid to sellers in XXXX and is non-refundable ), pay for an appraisal and we are supposed to close on XXXX. I started seeing red flags about 2 weeks before closing ( like them asking for the employment letter for XXXX 's new job, which I sent to them in XXXX ) but when I asked XXXX he assured me it was no issue but did place the loan delay blame on his processor, XXXX XXXX.
I asked XXXX back in XXXX if all they needed to close was the offer of employment letter and he said yes. So fast forward, ( I will skip all the micro-details for now ), we have conditional loan approval from the underwriter ( attached ), the Initial CD ( attached ) is emailed to us on XX/XX/XXXX because we are closing on XXXX. Well the Initial CD has a close date of XXXX so I immediately call and text the loan officer and no response at all. Called and texted his boss, XXXX XXXX, same thing - no response. Now it is way past XXXX XXXX and I call a processing manager who's number I stumbled across and she pulls up the loan and said that they have everything except that they need a full month of paystubs from XXXX 's new job. Her name is XXXX XXXX. I asked XXXX if that is a USDA or Caliber condition and she told me it is a Caliber policy. She also told me that the loan can not be submitted to USDA for final approval until AFTER they have everything including 1 month of paystubs.
But I was already told by XXXX that the loan was submitted to USDA on Friday and it is now Monday. ( I have text from him proving this ) Then a few hours later I get a call from XXXX 's bosses boss - XXXX XXXX who tells me that the loan is denied because XXXX makes too much money and USDA rejected the loan because of that. But I was just told a bit ago that it was never sent to USDA.
We are getting different answers and XXXX makes less at this new job than in XXXX which is what was used for the preapproval.
Then XXXX tells me that they can switch the loan to an FHA loan but it will take a few weeks. At this point, we are past our due diligence date but we could not trust Caliber to do what they say so we cancelled the loan with them. We got preapproved with another company but XXXXXXXX XXXX credit score dropped too much ( from them pulling XXXX XXXX credit without permission, after this loan was cancelled ) and we did not like the interest rate so we cancelled the contract.
We have lost money because of them and we want to be compensated for our losses.
XXXX also never gave anyone at Caliber Home Loans permission to talk to me at all and they never contacted him, except for XX/XX/XXXX when XXXX called him about a fraud alert on his credit ( which never existed ). It was after the loan was cancelled and I started complaining to the Corporate Office that XXXX XXXX requested it.
|
| 12/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
Payment errors : Caliber Home Loans Letter XXXX to Caliber Home Loans : ( Mailed XXXX XXXX ) XXXX. I made a full XXXX payment, in the amount of {$1000.00}. This amount is equal to my normal monthly payment. The check cleared on XX/XX/2021. This was after trying several times to make my payment online, starting on XX/XX/2021.
XXXX. I then received a late notice dated XX/XX/2021.
XXXX. I attempted to call your Customer Service line, XXXX, approximately 5 times during your normal business hours, but the call never connected.
XXXX. I also sent messages through your internal messaging system. I then received a response much later, advising receipt of the message.
XXXX. I then emailed your local representative with the details. On XX/XX/2021, after he researched the problem, he advised me that the full payment was applied to my escrow account, and that the error would be corrected. ( Your local representative is very helpful. ) XXXX. After a subsequent email, I asked to have the account reflect the correct date on the XXXX payment, to ensure that I am not being penalized in interest charges. The local representative advised, after contacting your company, that XXXX Mortgage would correctly apply the XXXX payment and that the interest amount would be corrected.
XXXX. I then made a XXXX payment which you applied on XX/XX/2021.
XXXX. As of XX/XX/2021, the online account still shows that my XXXX payment is late, and there is no correction of the XXXX payment ( still showing it was applied to escrow ).
Letter XXXX to Caliber Home Loans : ( Mailed XX/XX/2021 ) Errors remaining to be corrected : XXXX. The payment that you show as being processed XX/XX/2021 shows {$1000.00} ( attached # XXXX screen shot from your system on XX/XX/2021 ). This payment, as written on my check, was to be applied to the XXXX payment ( apparently your company applied this to the XXXX payment, ergo late ), and broken down as follows : XXXX regular payment of {$1000.00} ; additional principal {$20.00}. The screen shot also shows a notice of This payment was 32 days late. Please remove any notice of late payment for the XXXX payment and correct the allocation amounts.
XXXX. Attached screen shot # XXXX. While this statement shows the Type as Misapplied funds, which is correct, still shows the payment of {$1000.00}. This amount, as previously communicated, was the XXXX payment, and was not to be applied in whole to the XXXX account. Perhaps this is just the way your system works, regardless, Id like an explanation.
XXXX. Attached screen shot # XXXX. This shows that my XXXX payment of {$1000.00} was received ( Effective Date ) of XX/XX/2021. However, the account still has a warning of This payment was 36 days late. Please remove the late payment notice on this account.
XXXX. Attached screen shot # XXXX. This screen shot from my account shows Mortgage payment of {$1000.00}, dated XX/XX/2021, but the entire amount is showing as being applied to a non-descriptive line item called :. Please correct your records to show the correct allocation as stated above in bullet # XXXX.
Note regarding complaint to CFPB : On XX/XX/2021 I received another " Late Payment '' letter stating that my total payment due is now {$2000.00}. This amount looks like none of the previously requested action items have been made.
|
| 05/04/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Hello CFPB, I keep having major management issues wit h Caliber Mortgage. This time last year Caliber sent multiple letters telling me that if I did not provide my personal coverage proof of insurance that Caliber would take out insurance on my behalf and charge me for it. I had called and gone many rounds with Caliber and they could n't get into their heads that the HOA has full coverage insurance that covers the rebuilding of my townhome full to what the builder delivered it as. They had proof of that insurance and that binder was still good, but they wanted in addition to that coverage they wanted my own personal property coverage, which the CFPB indicat ed last year was not legally for them to demand of me as long as they have proof of building coverage that suffices the replacement of the home. This year I get the same nasty letter stating that if I do n't show proof of insurance that they will again get coverage for me and charge me for it. When I spoke with XXXX a supervisor ( after being hung up multiple times because no one can seem to operate a phone, transfer a call and load knows me the customer is not supposed to request a supervisor EVER!!! ) . XXXX told me the only coverage they had on file was my personal policy with XXXX and that they did not even show the HOA policy that I gave at closing and then again during last year 's same ordeal. Caliber can go directly to the HOA and get proof of coverage at any time without my involvement at all ; but their notes never even showed the HOA coverage, the HOA name and contact information or the instructions that I sent to them last year showing ho w they can always validate coverage. XXXX tried to reach out to the HOA this year and could not because he was not following their process. So I received the information and I could n't email it to Caliber. I uploaded the proof of insurance and the instructions for them to get this information directly from the HOA any day, any month without having to go through me. They do n't show that I 've uploaded and they are still demanding my personal property coverage when I 've stated the HOA policy numerous times. I truly do n't think anyone at Caliber had a head, a mind and can think outside of what they want. They can not keep demanding proof of my personal property coverage - and I refuse to give it to them given that the policy they truly need is the HOA insurance binder. I do n't w ant them knowing what I have covered and what I have in my house because they are such idiots that for all I know they will have someone go steal my possessions because they know what is in the house. This is such a bad company that has no idea how to treat customers, much less what should or should not be said and done to the customers. I truly wish they would just sell my loan and when I feel it is appropriate I will refinance this home into a decent mortgage company that understands even a fraction of these things. I want the CFPB to forc e Caliber into act ually complying with laws, not asking/demanding insurance policies and binders they do n't need and forcing them to actually document properly what insurance they do need, where it is and how they can keep an updated binder without having to send nasty letters to me their custome r! Thank you - XXXX
|
| 12/17/2015 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
My mortgage loan was transferred over to another service, it went from XXXX to Caliber, when the mortgage was still will XXXX, I signed an Deed in Lieu of Foreclosure agreement, that said I would vacate the property on XXXX XXXX, 2015, in return I would be paid {$10000.00} to help in relocation expenses. In good faith, I vacated the property on the given day and left the house in broom swept condition, I took photos for proof. Then a few weeks later I received a letter from XXXX stating that my loan was being transferred to Caliber and that they would be handling the loan from now on. I was assigned a Deed in Lieu Representative XXXX XXXX XXXX XXXX, I have called numberous times to find out status on the loan. I finally got a hold of XXXX on XXXX XXXX, 2015, she said that since a new servicer ( Caliber ) took over the loan, that a new Deed in Lieu of Foreclosure agreement had to be drafted. On XXXX XXXX, 2015, I called and spoke with XXXX again, she said new Deed in Lieu aggreement should be sent out today or Monday from the attorneys, she did say that the same attorneys were working on the paperwork as before. If we do not receive the paperwork by Wednesday, call her back. She said once paperwork has been signed and is sent back to the attorney 's and then to Caliber, the process to close the loan should move quicker. On XXXX XXXX, 2015 I called the Attorney 's handling the paperwork on XXXX XXXX, they are the same firm that drafted the paperwork when the loan was with XXXX. They said that the loan paperwork were on hold because they were waiting for a document from Caliber. On XXXX XXXX, 2015, I called Caliber, hoping to have them shed some light on the situation. XXXX was unavailable, explained to the agent XXXX, that I spoke to the attorney 's office, she said she would note the account and let the Deed and XXXX agent know to follow up with the attorney 's office and get back to me. On XXXX XXXX, 2015 I called Caliber again, spoke with XXXX, explained the situation, he advised me that XXXX was out sick until Monday, he said the document in question is most likely an Assignment of Mortgage, and that it is most likely in the Attorney 's Foreclosure Dept. He said to follow-up on Wednesday if I have not heard back from XXXX. I told him that I was worried that someone might break into the house now that it was empty, and since I lived in XXXX XXXX, and in light of the shooting that occurred there, I did not want anything to happen to the home, causing me to loose my moving expenses reimbursement, He also said they have a preservation team that monitors the state of the property, and that they have photos of the property of when they secured it, and that they will reference them when the loan is finally closed out. I did not hear back from XXXX on Monday,, or Tuesday, or Wednesday, I finally got ahold of XXXX on XXXX XXXX, 2015 and explained that I wanted closure on this, and that if the process could be expedited, I also explained what the attorney 's office told me. Her answer was that the date was entered incorrectly on the Assignment of Mortgage and that they were waiting for XXXX XXXX XXXX to sign off on the paperwork. She says that this could not be expedited, nor could she give me any other answer of when this was settled, she left me high and dry.
|
| 08/18/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
We hold our current FHA mortgage with Caliber Home Loans. We have always had to pay via the online portal, despite recurring issues with the online portal where the payment wasn't processing, which happens often.
For phone payment, they use XXXX XXXX as a third party processor and we were told by an agent that there's a payment issue between XXXX XXXX and XXXX XXXX. They offer no live person to take payment over the phone. Therefore, consumers who bank with XXXX are often unable to use their phone payment system.
On Friday, XX/XX/XXXX, we called in to pay our mortgage for XXXX so it would post same-day but again the phone system wouldn't work. Caliber has a log showing we called in according to the agent we spoke with. We had the funds to pay.
Therefore because we were out of options, we made an online payment early in the day on XX/XX/XXXX for the due balance for XXXX. We received no error messages, and we received confirmation of their receipt of payment through a secure message on their website. I am attaching this for your review. Also of note, this is a shorter month with 29 days. We were notified a few weeks later through our XXXX apps, that the payment was marked as 30 days late.
At this time, we called Caliber Home Loans to dispute the late payment and we were told that we should have paid via the phone system for it to post same day. We told them that we DID try ; their phone system wouldn't authorize our debit card or ACH check as it didn't in XX/XX/XXXX when we tried to use the system while travelling outside the country. We had ample funds to clear both times. They apologized for the issue with the phone system.
They said that since we paid online, and before 30 days, it did not matter because the payment posted to their system XX/XX/XXXX. Caliber stated that even though they have record of our payment on the XXXX of XXXX, they will not update the credit reports to show an on-time payment. However, Caliber agent XXXX XXXX said they did not charge us a late fee for 30-days late because it wasn't 30 days late. Their files indicate we were not charged 30 day late fee.
At this time, we filed with all 3 credit bureaus a dispute of the reported late payment by Caliber, and on XX/XX/XXXX XXXX investigated and deleted the late payment from our credit files.
Now we are trying to refinance our home to save money during the pandemic, and we are unable to qualify solely because of this one reported late payment that was actually not 30 days late. We have never been 30 days late on any mortgage. Please help us to ensure that we are able to hold Caliber to the date we paid the loan and not when it posted for them ; which could be an arbitrary amount of time. If their internal system didn't show 30 days late, and we have confirmation of payment made on the XXXX, their reporting is unjust.
If they had a way for consumers to pay via phone that works for all consumers, this would not have occurred. They need to offer the ability to speak to a live agent to take payment and they need to update our payment information with XXXX and XXXX.
How can they NOT charge us a 30-day late fee, yet report it as 30 days late to the credit bureaus? They must offer another same-day processing option due to their repeated third party processor issues.
|
| 03/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have a XXXX XXXX property, struggled through the pandemic, and took advantage of the 18 months of mortgage forbearance. I resumed my payments right when I was supposed to toward the end of XXXX, made them all on time. On XX/XX/XXXX I received a call from Caliber Home Loans, my mortgage servicer, as they had not applied my payments. After speaking with the rep they let me know that the amount I had been paying, based off of the statements they were sending, was off by about XXXX dollars per month. The rep gave me the total of {$16.00} that I needed to send so I set up and sent it through my online billpay with XXXX XXXX while on the phone with the rep. I then asked for the correct monthly payment amount as I did not want to continue paying the wrong amount. The rep gave me the new monthly payment amount of {$3000.00} and I told her I was going to go ahead and send the payment that was due XXXX so that I have the correct amount in my bank moving forward and let her know the payment should be there in about XXXX week. The rep said this was fine, confirmed the amount and I sent off the payment. Caliber then sent out the deferral agreement about XXXX weeks later. I noticed the new monthly payment was slightly higher and said it was due XX/XX/XXXX so when I signed and emailed it back to Caliber I stated in the email that I had already paid the payment due XX/XX/XXXX in the amount of {$3000.00} as that was the amount I was previously given and asked them to confirm the amount of the difference so I could send the payment. I immediately placed a call to Caliber after sending the email on XX/XX/XXXX to find out about this and was informed that they applied the payment I sent for XXXX 's payment toward the balance that was to be deferred and thus I had to pay another payment for XX/XX/XXXX and they were only deferring XXXX instead of 18 months of payments. I let them know that this was their error applying my payments and they needed to correct it. The pandemic was brutal on our finances and we really needed this assistance. I asked to speak with a supervisor, was connected to XXXX XXXX ID XXXX who said she was notifying the underwriter, XXXX XXXX ID XXXX and that this would be corrected and I should hear from someone within a week. I just received a call from Caliber and after the first rep named XXXX XXXX ID XXXX laughed at me and said this was all my fault I was connected to a supervisor named XXXX XXXX ID XXXX who told me that the underwriter declined to make the change supposedly because my escrow amounts changed. Everyone 's escrows have gone up as both taxes and especially insurance premiums have gone up, it made XXXX sense. What this comes down to is that I am being penalized for being responsible and paying in a timely fashion as they misapplied my payment towards the 18 months that were to be deferred and now will not correct their error and say they will only defer XXXX payments. I have uploaded both the original deferment agreement sent XX/XX/XXXX and the latest XXXX from XX/XX/XXXX. You will see it went from 18 months deferred in XXXX to XXXX in XXXX because they misapplied the payment. This violates the law ( CARES ACT I BELIEVE ) that allowed for these forbearances in the first place and I need someone to please help me.
|
| 08/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
An Urgent Request Caliber Home loans XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX CEO XXXX XXXX Account Resolution/ Credit Department Dear Caliber Home Loans , Back in XX/XX/XXXX, and with a XXXX credit score, I took a loan out for my mortgage account # XXXX in the amount of {$230000.00}, XXXX mortgage identification number XXXX. The interest rate for my loan was incredibly high above 7 %.
I went on to pay the loan monthly and invested money in the property to increase the value. When the pandemic hit, my small business location was closed and we were affected immediately as I just opened a brand new XXXX. When it opened back up, I was able to hang on to the business by the skin of my teeth, but I sold off many things. In order to keep my employees, I decided to sell my newly purchased condo since there was immediate equity in it from the renovations.
There was a period that I was granted a forbearance into which your company was paid at the end of the closing when I sold the condo. However, I am deeply upset that you continue to report 2 late remarks on my personal credit file in XXXX and XX/XX/XXXX.
In XXXX of XXXX, I called in and asked for another forbearance and that I would be selling the property. Your company took in the details but apparently never finished my forbearance on your side and remarked my credit profile as late, unbeknownst to me. When I saw that the late payments were not waived, I called in a made a rather large payment to get the account current, right before the payoff was made.
Currently right now, my credit score has plummeted to less than a 600. The Sba has granted us a loan for rebuilding the company, but my personal score has to come up. I feel very jilted that Caliber Home Loans collected closing costs, 7 % interest, got all their payments, all the forbearance money back as well as a closed principal amount in the amount of {$230000.00}. When I add it all up Caliber profited over {$70000.00} from my loan and I am left with a bad credit score and struggling economy. When I was the one who did the right thing and paid of my loan, it just not a good feeling.
I have since moved into a home rental and kept the employees of the business. Our landlord of the business building was forcefully shut down from the city for not keeping up with the permits and was declared unsafe. We closed down our showroom and moved into a smaller office space to sell online, I am truly one of the many people not only affected by the pandemic personally, but also professionally.
Your website claims that you are helping people under the CARES Act, and that your company can provide assistance. Many companies are jumping in to help. I just feel like I did my part of the solution with my loan, and your company just left me hanging. I have already spoke to representatives and filed an internal compliant, I am just hoping someone gets this letter and does the right thing, and forwards it to the right department to get it done. I would also like the CEO XXXX XXXX to receive copy.
Please, please remove the bad credit reporting to my Caliber Loan for XXXX and XX/XX/XXXX. In your own notes to XXXX you even notated on my account that XX/XX/XXXX the Loan was modified.
My detailed information is below Thank you, XXXX XXXX XXXX
|
| 04/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My loan was on forbearance due to coronavirus related financial hardship, at the end of forbearance plan I called Caliber Home loans throughout the month of XXXX and XXXX and spoke to multiple representatives on the phone regarding my options to exit forbearance, I indicated to the representatives that I am ready to resume payment to try and stop the chance of my home being foreclosed, and I also indicated to them that my income has changed and gone down due to the financial hardship related to coronavirus that I suffered. I then asked for a loan modification to reduce my current mortgage payment to make it affordable for me to be able to resume making my mortgage payment and to bring my loan current so to avoid foreclosure and save my home. Because my mortgage payment has been over 90 days late, I am qualified for the streamline flex modification with no documentation, so I requested for the streamline flex modification with no BRP and they rejected it, after about two months of asking for the modification, I finally asked to speak to a supervisor. The first supervisor I spoke with was XXXX XXXX XXXX XXXX on XX/XX/XXXX, I explained to her that I have been trying to get the representatives I have been talking to to submit my loan for streamline flex modification with no Borrower response Package ( BRP ) and that they have all rejected the request, XXXX then told me that she will put a request in for me to be reviewed for a streamline modification with no BRP, and she then asked me to call back in one week to get status on the request. I then called back after a week and spoke to a supervisor by the name XXXX XXXX XXXX XXXX, she told me that there has not been a decision made on the request and asked me to call back in about 3 days, I then called back on XX/XX/XXXX and spoke with supervisor XXXXXXXX XXXX XXXX XXXX and she indicated to me that the request was still under review. Then I continued to call weekly to get the status of the modification request and over the span of at least a month I spoke with the following supervisor 's ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and finally my mortgage was modified and Caliber Home Loan emailed me the modification agreement, and after carefully reviewing the agreement I found out that there was a deferred principle of {$26000.00} as part of the modification and also the interest rate was 3.50 %. I called Caliber Home Loan on XX/XX/XXXX and spoke with supervisor XXXXXXXX XXXX XXXX XXXX and told her that I will not be accepting the modification Caliber Home Loan offered because I do not want a deferred principal as part of the modification, and asked if Caliber Home Loan will be willing to change the modification terms to remove the deferred principal and incorporate it into the actual principal amount so that there will be only one loan principal amount on the loan and also to lower the interest rate to make the mortgage payment more affordable. The supervisor XXXX rejected the request. I am requesting that Caliber Home Loan remove the current deferred principal from the terms of the modification and roll it into the loan and also to lower the current interest rate of 3.50 % so to make the mortgage payment more affordable.
|
| 02/28/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Im XXXX, 2020 I received a letter stating I was in forbarence. I immediately called to ask what happened and how did they determine that. I was told that because I had a government backed loan, That we were automatically placed in forBarence. When I received this letter I asked them to not place me in forbarence and that I had been making all of my payments. It wasnt until the negligence of my credit union and all of my funds being moved out of my account or taken that and my hours at work being cut significantly in XXXX I needed to go into forbearance. Because of the guidelines and my mortgage holder using the date back in XXXX I am not allowed to remain in forbarence and I have been unemployed so now my home is near forclosure, My housing counselor from XXXX XXXX XXXX has not called me back or helped with the programs that are available. But my mortgage carrier is not allowing me to remain in forbearance even though I was never in it until XX/XX/2020. Although I requested them to negate the forbarons at the time they did not do that I asked them to pull the phone call they would not do that I asked them To correct the late payment and they wont do that either. Caliber home loans in XXXX XXXX XXXX seem to have made it very difficult for me, Both XXXX XXXX XXXX as well as caliber home loans have put me in a position of not only losing all my money when I told them a month prior cording to regulation E I should not have been liable for the theft and fraud I information. Currently XXXX XXXX XXXX is refusing to arbitrate leaving me still with no money although they offered several different settlements none of which equaled my amount that was stolen. My arbitration attorneys have their hands tied due to XXXX arbitration not forcing XXXX to arbitrate despite proving an agreement. I want my mortgage company to utilize the date that I actually went into forbearance rather than the date they put me in forbearance. I want XXXX XXXX XXXX to be forced to arbitrate and returned funds that had they close my account when I alerted them my money would not have been stolen. I inability to arbitrate as well as recover monetary funds XXXX was aware of prior to the XXXX take it out of my account. Furthermore XXXX as well as XXXX XXXX XXXX as well as XXXX have initiated small claims suits against me despite the letters I sent them when I filled out my FTC investigation form for money taken my credit score has dropped XXXX points and credit cards were canceled and never reissued card and were left in a negative state despite being on time until XXXX closed my account when their fraud team recognized the unAuthorized activities and told me that no money would be refunded. All this when, had they listened to me a month earlier I doubt my money would have been taken. XXXX said,? its not fraud since nothing was missing at the time of my complaint. I turned in only to my paperwork rejected by their fraud team 3 times.
Rejected at least three times. My financial situation as a direct result from both caliber home loans as well as XXXX XXXX XXXX. XXXX XXXX XXXX has maliciously added my name to an oh OfaC list as well, Preventing any further use of credit cards and what seems to be the ability to collect my amended return from the irs.
|
| 12/06/2021 |
No |
|
|
|
Web |
|
|
Good morning, I am writing to you as a last option. Caliber Home loans made a mistake in my loan, I completed two Modifications before selling my home in XX/XX/XXXX. At the time I found out the numbers provided by Caliber were incorrect it was too late to cancel the sale of my home as I was already under contract and didnt want to breach contract and have legal cost added.
I had requested assistance with payments from Caliber in XXXX due to hurricane Irma, unfortunately we were without power for weeks in certain areas of Florida and this prevented my husband from working as he was a XXXX XXXX XXXX XXXX. At the time most restaurants were without power so he was without work for almost 3 months.
I asked Caliber to provide payment relief due to the natural disaster and they started the process only to deny it months later asking for us to pay the missed payments that had been accumulating while we were awaiting a decision. In order to not lose our home we had to agree to a Partial Claim on XX/XX/XXXX, in the amount of {$11000.00}.
Fast forward to XXXX, we had another financial crisis where my husband lost his job as a XXXX XXXX. We had to make the difficult decision to request help from Caliber and modify our loan. They completed the Modification lowering the interest rate but adding the {$11000.00} from the previous claim to the modification. When I called and asked Caliber why this was added as it was not part of the Modification, Caliber advised via phone that the Partial Claim recorded in XX/XX/XXXX would be removed/release from court and that the new Modification we signed in XXXX would include both the previous partial claim and the modification of XXXX.
Unfortunately, we agreed and trusted Caliber would file a release of the Partial Claim with the court. Only to find out at the time of the sale of our home that a release was never filed and that Caliber was requesting full payment of the Partial Claim which should have been released. I reached out Caliber several times asking them to go over the full payment history so they can see that the amounts being requested to pay the loan were incorrect. I never received the proper help from Caliber and was rushed and pushed to close and sale my home without any solution from Caliber. I also requested FULL payment history from Caliber so I can have an Attorney review and was never provided the full history, they would only provide recent payment history.
I am writing to you so that you can have someone carefully review my payment history and have Caliber finally take the time to help and correct this error. I bought this home for {$230000.00} in XX/XX/XXXX and had to pay a total of {$240000.00} in order to pay off the loan.
The simple math just doesnt make sense. Where are all the payments I made? Where was it applied to? My original loan was {$230000.00}. I am requesting a full review of my loan and to be credited for the amount I had to overpay in order to sale this property.
I beg that you take the time to carefully review these numbers and to have Caliber provide you with the full payment history for the life of the loan. If you need any documents or more information from me, please let me know.
Thank you in advance!
XXXX XXXX XXXX
|
| 02/12/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I recently bought a home in XXXX XXXX. My mortgage company is Caliber Home Loans. The escrow payment was {$500.00} per month ( includes taxes and insurance ) based on a {$330000.00} purchase price. Because I bought an older home, the assessed value the previous year ( XXXX ) was lower BUT my escrow payment and property tax payment was based on {$330000.00} and what I would pay in XXXX and on ( not the lower value ).
A couple months ago I received a supplemental tax bill, which was n't surprising, but there was enough in my escrow account to cover it because my mortgage payment was based on a property tax bill of 1.1 % on {$330000.00}. My FIRST tax bill was based on the previous value/purchase price of the home ... the supplemental tax bill was due to the difference of the previous ( older/smaller ) tax bill, and the value of the home when I purchased it.
It appears that my tax department does not know what a supplemental tax bill means ... the reps at the tax department of my mortgage company are CLUELESS, some barely speak XXXX. The supplemental tax bill was billed in installments ( first installment due in XXXX, second installment due by XXXX XXXX ). Unfortunately, my mortgage company paid the entire supplemental tax bill ( both installments ) months in advance. That brought my escrow balance down to {$500.00}, which is fine, because I 'm still paying into my escrow account and it will build back up by XXXX ( when the next tax bill is due ).
HOWEVER, my mortgage company now thinks my escrow account will be short ( it 's not! ). They do n't think I am paying enough every month to cover my taxes ( I am! ) so they are requiring an extra {$160.00} per month.
I know that my assessed value and homeowner 's insurance have increased about $ XXXX/month ... not {$160.00}. There is no reason to increase my payments by {$160.00}!!!!!
Because my mortgage company paid my supplemental tax bill 6 months early, they are insisting that I am short when I 'm NOT. I do n't have a tax bill due until XXXX and at that point, I 'll have enough to cover it. ( I 've already paid homeowner 's insurance for the year ).
The reps in the tax department do n't understand the mistake they have made and they seem unable to figure out that there is NO shortage. I do n't think they even understand how property taxes work. They keep insisting that I need to pay more money, when I do n't. If I were swimming in money, I would just pay the extra money and hope that it would get figured out down the line, maybe a year from now when they do the next " escrow analysis. '' However, I simply ca n't afford an extra $ XXXX/month, we are barely making it now. I 've spoken to three different people and they all say the same line " We pay your taxes ... you do n't want a lien, do you?, '' but there was never a danger of a lien.
They make no sense whatsoever and instead of taking the time to look at my account and understand what they did, they are brushing me off like I do n't know what I 'm talking about. This is really frustrating! I ca n't get them to take 5 mins to look into the problem, if they did, this would all be over. Please help! What can I do??? I do n't want to lose my house because of their stupidity!
|
| 09/13/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I am set to lose my house to foreclosure on XX/XX/XXXX because my lender XXXX failed to honor the terms of an approved loan modification that I received from XXXX XXXX XXXX right before they sold the loan to Caliber. If Caliber would have honored the terms of this approved modification I would not be in this situation. Instead, I have spent several YEARS going back and forth with Caliber trying to get approved for assistance while being repeatedly stonewalled by the agents who work there with various excuses as to why they ca n't help me. I can afford a fair payment, I want to make payments to them, but they have refused to allow me to make a payment to them during this long period and have said the only option is to repay all of the late payments at once. Since this process has been dragging on now for years, that amount has continued to grow. There is no way I can repay all of the late payments in one lump sum, but why ca n't they offer a modification or a repayment plan or ANY options and why over the course of three years have they continually made excuses as to why they ca n't do anything.
I have lived in my home for nearly 30 years. I worked for years as a cable TV technician until I was involved in a major car accident. I was hit by a drunk driver and have not been able to work since XX/XX/XXXX. I receive fixed income and had enough money to pay my bills and never had any problems with the mortgage payment even after the accident. Then XX/XX/XXXX both of my parents passed away. I had to help cover their funeral and burial costs and this put me in a tough spot and I ended up falling behind on the mortgage. At that time XXXX XXXX XXXX held this loan and I contacted them and applied for a modification program and eventually was APPROVED with monthly payments of approximately {$1000.00}. However, right after I was approved for this program the loan was transferred to Caliber and my problems began. For some reason Caliber would not honor the modification that had been approved by XXXX XXXX XXXX. I was told I needed to apply again. This began a very frustrating process of collecting all of my financial documents and sending them in, only to be told something was missing and having to send everything in again. Each time I was given a different story. Sorry XXXX XXXX, we do n't participate in government programs ( this company accepted millions in bailout funds so that is not true ) sorry XXXX XXXX we never received these documents ( I sent and re-sent paperwork at least 50 times ) sorry XXXX XXXX you make too much money to qualify for help ( WHAT?? ) etc. etc.
I am now faced with a foreclosure sale date on XX/XX/XXXX. This house is shelter not just for me, but also my daughter, grandson, brother and my girlfriend. We have the means to make a payment. I realize that I am behind, but this problem was solved by XXXX XXXX XXXX when they offered me a modification. The problem is that Caliber failed to honor this modification and has for the last few years given me ZERO options to resolve this problem ( other than pay the full amount past due ). It is frustrating and wrong that I could lose my home due to their failure to offer ANY type of reasonable option at repayment.
|
| 01/03/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Caliber Home Loans has engaged and continue to engage in fraudulent or illegal acts and to otherwise demonstrate persistent fraud and illegality in the conduct of their business, in violation of New York Executive Law ( 63 ) ( 12 ). Pursuant to New York Executive Law 63 ( 12 ), it is unlawful for a business to engage in repeated fraudulent or illegal acts or otherwise demonstrate persistent fraud or illegality in the carrying on, conducting, or transaction of business. Caliber Homes Loans prepared and submitted in court deceptive and legally invalid assignments. Caliber Homes Loans have obtained a foreclose judgment and sale on XX/XX/XXXX against me through fraudulent and illegal means.
New York General Business Law 349 prohibits deceptive acts and practices in the conduct of any business, trade, or commerce.
XXXX never owns the note, has no beneficial interest in the note, and is not a party to the note, and is not authorized by the actual note holder to transfer the note, XXXX has no authority to effect this transfer. XXXX concedes in its own Procedures Manual that it " can not transfer the beneficial rights to the debt, '' and it 's terms of membership acknowledge that the XXXX system is " not a vehicle for creating or transferring beneficial interests in mortgage loans. '' Thus, assignment of mortgages excuted by XXXX certifying officers, including mortgage servicers, employees and agents, often misrepresented that XXXX had transferred, or even had the authority to transfer, the note to the foreclosing party. " XXXX can not transfer something it never proved it possessed. '' See XXXX XXXX XXXX v. XXXX, XXXX XXXX XXXX at XXXX ( N.Y. Sup. CT. XX/XX/XXXX ). XXXX certifying officers have executed and submitted in court mortgage assignments where XXXX purports to act " as a nominee for '' a defunct lender that long ago ceased operating or went bankrupt and no longer had an interest in the mortgage. See XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, at XXXX ( N.Y. Sup. CT. XX/XX/XXXX ) ( XXXX assignment is defective in part because XXXX executed assignment as nominee for a lender that was no longer operating on date of assignment ).
The State of New York Attorney 's General Office has stated it 's a felony to file a public record with the intent to deceive. There is absolutely no doubt the enclosed Assignment of Mortgage was robo-signed by serial rob-signer XXXX XXXX.
The enclosed Assignment of Mortgage filed in the Office of the City Register of the City of XXXX on XX/XX/XXXX, was manufactured in order to pursue an illegal foreclosure action.
XXXX XXXX and XXXX XXXX XXXX, XXXX did [ n ] ot exist on XX/XX/XXXX and XXXX XXXX was [ n ] ot an employee ( Assistant Secretary ) of XXXX on that date. XXXX is a shell corporation with no employees.
XXXX XXXX a known robo-signer was also showing to be an employee ( Assistant Vice President ) of XXXX XXXX XXXX on the same exact date of XX/XX/XXXX XXXX XXXX XXXX , XXXX was [ n ] ot licensed or registered to operate in the State of New York according to the New York State of Department of Financial Services ( DFS ) whom can be reached for this verification at XXXX ( Monday through Friday, XXXX to XXXX ).
|
| 01/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
To Whom It May Concern : In precedingyears, my loan servicer has let me pay the difference in my escrow as it does increase with the house price appreciation.
However, they have repeatedly tried to get me to refinance. You can not go on the web site without getting an offer to refinance. I have discussed this with several servicers and at 1/2 of a percent lower, I would lose money refinancing even a 10 year time frame while I am almost into a 9 year time frame now. This time, they have sent me a check for {$180.00} and told me that I will have a payment of {$1100.00} up from {$1100.00}. I have been making additional payments.
As you know, when you get into the 6th year of a 15 year mortgage, the interest comes down a lot. By forcing me into a higher payment, he would cut down how much I can pay extra or if my daughter gets it if I die before it is paid off, she could not afford the payments therefore they get a refinance and make a whole lot more money : The first thing you get when you go on the site to make a payment is an offer to refinance. They get higher monthly interest payments and more fees.
# 1My position is that they can not do both. They have the option of either sending me a check if it is overpaid. They can not send a check then say I have to pay more.I want them to take back the check they sent me and let me pay the difference between the {$180.00} check they sent me like they have in prior years and leave the payment the same as they have done in prior years. This is an either/or situation not a situation where they have set me up for a higher payment by sending me a check of money I deliberately paid in. It is a blatant attempt to get me to refinance and them to make over {$150.00} a month more in interest.__________________________________________________________________________________________________________________________________ # 2 Further, I requested they send me a payment record.. I received the loan payment record and it was horrible, the person made so many errors. One time she/he entered 17 entries for one day. When I marked off the excess entries, I found that she had completely missed a payment. I sent a letter to them asking them to change it and said I could get a copy of the check but they would have to pay for it as it is their error. My bank used to charge {$25.00}. It could be more now.
I want them to recognize that there was no payment credited. I have sent them a letter to that extent and it is attached. The next year is so messed up, it is hard to see if my payments were credited. There was obviously an XXXX working for them-probably from another country because it takes forever for the check to be credited even though it is online. I'm going year by year because obviously, the balance is in error and each year 's interest will have to be figured again.
I want credit for that payment even if I have to get the copy of the check from the credit union.I want them to respond and stop trying to force me into a refinance. I did one refinance because I had a lot of repairs. But I'm notdoing another. I'm XXXX and I want to get this loan as close to finished as I can.
XXXX, XXXX XXXX XXXX XXXX, FL XXXX.
|
| 02/13/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
My name is XXXX XXXX. I am a resident of Pennsylvania. I am the late XXXX XXXX 's son and Financial and Assets Power of Attorney. XXXX XXXX passed away on Friday, XX/XX/XXXX. XXXX XXXX went from her Florida condo to living in a XXXX XXXX to the hospital, twice ; and, to a XXXX XXXX and XXXX within 11 months from XX/XX/XXXX to XX/XX/XXXX.
XXXX XXXX 's Florida condo was possessed by her condo association via a Deed in Lieu of Foreclosure in XX/XX/XXXX due to missing condo fee payments for over a year.
During the period between XX/XX/XXXX and XX/XX/XXXX, I verbally, and in writing, maintained contact with XXXX, her first mortgage and service company, emphatically advising them to foreclose on the condo immediately as I, and my brothers, do not have any financial, personal, or other interest in the condo. We are not on the condo mortgage and deed.
XXXX sold the loan internally to XXXX XXXX during said period of time. I restated the same comments to XXXX XXXX as I did to XXXX, verbally and in writing.
XXXX XXXX sold the mortgage in XX/XX/XXXX to Caliber Home Loans , Inc. and XXXX XXXX XXXX XXXX, XXXX as a third party creditor of the loan, with XXXX XXXX being maintained as servicing the mortgage.
Caliber began contacting me both in writing and by phone calls to advise XXXX XXXX ( actually, me, at my home address ) they hold the mortgage note and are moving to collect on it.
I contacted Caliber on several occasions during XX/XX/XXXX to advise them by recorded call that XXXX XXXX is deceased and to terminate the mortgage.
Adding to the mix is that on XX/XX/XXXX, XXXX d/b/a XXXX XXXX filed a Complaint in Foreclosure against XXXX XXXX, the condo association, family members of XXXX XXXX, including myself, and unbeknownst people to XXXX d/b/a XXXX XXXX that may or may not have an interest in the condo.
That Complaint was Voluntarily Dismissed without Prejudice on XX/XX/XXXX.
XXXX, d/b/a XXXX XXXX, Caliber and XXXX XXXX XXXX XXXX, XXXX, all are using my name and information as part of their effort to collect the debt of the late XXXX XXXX.
XXXX, d/b/a XXXX XXXX, Caliber and XXXX XXXX XXXX XXXX, XXXX, all are using my name and information in such manner as to affect my credit and credit score, and with certainty other important aspects of my personal and professional life, even though I do not have personal and financial interest in XXXX XXXX 's condo and mortgage.
XXXX, d/b/a XXXX XXXX, Caliber and XXXX XXXX XXXX XXXX, XXXX, all are using my name and information to move forward with the mortgage that even while the mortgage is not being paid by the late XXXX XXXX and me, the holding of the mortgage will eventually lead to another Complaint in Foreclosure at any given point in time by XXXX, d/b/a XXXX XXXXXXXX, Caliber and XXXX XXXX XXXX XXXX, XXXX, that will affect my credit and credit score, and with certainty other important aspects of my personal and professional life.
And, finally, XXXX, d/b/a XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX, XXXX, may eventually resell the mortgage to another party at any given time, thus creating another repetition of the cycle as described above.
This must stop, now.
Thank you.
XXXX XXXX
|
| 04/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Hello, I signed up for mortgage with Calber Home Loans in XXXX of XXXX, My first payment was on XX/XX/XXXX which has the escrow account build in as well. The first month I was informed my loan was sold and my escrow payment change. I will break down my payments below and the escrow increase thro out the year.
Original signed payments with taxes and insurance at the date the loan was sign {$1600.00}, Every month the company was executing escrow analysis on the loan and changing the amount of my payment, XXXX of XXXX my payment went to {$1700.00} followed by another analysis XXXX payment {$1.00} XXXX, another analysis again XXXX payment {$1700.00} and followed by another analysis in XXXX and new payment of {$2200.00} XXXX payment {$2100.00}. In last analysis in XX/XX/XXXX my escrow had shortage of {$2400.00}.
I left several message for the escrow department to look into the issues thru out the year. In reflect to that my taxes or insurance amount did not change, when I contacted them XX/XX/XXXX I was advised they can run escrow analysis as they want, On XX/XX/XXXX I called them again to inquire about the escrow spoke with XXXX XXXX and he foward me letter explening the shortage on my escrow when in reality was not shortage but overage since my payment decrease.
Every month I receive notification with the new escrow analysis of shortage, In XXXX i start the process of removing my PMI insurance in order to request the escrow account to be removed. Representatives provide that as resolution since my payment was dictated by monthly escrow analysis.. The final decision on the PMI was made on XX/XX/XXXX and was removed.
On XX/XX/XXXX I submit request for my escrow account to be removed since i can not afford to make that additional payment of XXXX monthly.
My request was denied with reason given Investment requirement not allow to remove the escrow, XXXX I was not inform that the terms of my loan were unlawful change once they sold my Loan to another investment I was only advise they sold my loan 1 month later after i sign for it, they should be some limitation on giving you the option to agree on that with time frame specially when the terms were changed.
Secondly my escrow analysis should noy be ran every month and changing my payments certainly not a month after i sign for the loan. If the loan papers were prepared and I signed its because I can afford that payment, that is certainly deceptive action on their side to have that loan executed.
Thirdly= my taxes were as follow School TaxesXXXX XXXX Property Taxes XXXX Total taxesXXXX. which was calculated with the loan papers so there should not be any shortage or change of payment amount At this time my consumer rights were certainly violated and deceptive practice was applied in order to attract the consumer.
As a consumer I have the right to make changes if I am not able to make the new payment amount but no option was provided and certainly not a lawful executed reason for denail on escrow removal.
I would like that matter to be closely examine and address with the proper institutions and regulators to prevent any further mislead and unlawful action on Caliber Home Loan side.
|
| 10/06/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XXXX of XXXX I bought two properties that are adjacent ; one with a home and one that was a vacant lot. I financed with a local bank and they sold the mortgage to Caliber Home Loans. The loan was only on the lot that has a home, the vacant lot was paid for in cash. Caliber collected escrow funds to pay taxes on both of the properties. I have never understood why they have done this since the vacant lot was not financed by them. I have repeatedly requested that they stop collecting money to pay property taxes on the land that they do not finance. I have never been successful in getting them to stop paying the taxes. I sold the land a year and a half ago ( but retain the lot and home next door, which they hold still the mortgage on. ) Caliber Home Loans has continued to collect and pay taxes on the land that I no longer own. They have collected the money from me and paid it to the county treasurer, EVEN THOUGH I DO N'T OWN THE LAND. They refuse to return the money to me. They made me wait for over a month while they 'researched ' the situation. They determined that they have indeed been collecting money from me and using that money to pay taxes on land that I do not own, but they stated that the country treasurer took my money and 'refunded ' it to the current land owner. Caliber has told me that I will need to contact the new land owner and collect the money myself. I have contacted the XXXX County treasurer myself. They confirmed that Caliber has been making tax payments, but the treasurer denies that my money was refunded to the current land owner. I requested that Caliber Home Loans provide me with their customer contact log because this situation has been going on since they acquired the loan ; they have refused to share the log with me. I have not recorded dates and names of all of the people I have talked to at their company as initially, this was just an inconvenience. I have called them once or twice a year for at least 5 years asking them to stop collecting and paying the property tax. It was not really an issue until they continued to collect and pay taxes even after I sold the land. I sold the land in XXXX of XXXX, Caliber Home Loans made a property tax payment of {$XXXX} on XXXX/XXXX/XXXX and another payment of {$XXXX} on XXXX/XXXX/XXXX. The payments were made to the XXXX County Treasurer in XXXX County, Idaho. I have asked them to return the money to me and to recalculate my escrow payment. The only thing I have managed to get them to do is to FINALLY stop paying taxes on a property that I do n't own ( they have stated that they will stop, but I wo n't be sure of that until after the next tax due date passes ). They refuse to recalculate my escrow payment ( until the regular recalculation next year ) and they refuse to refund me the money that they have taken to pay the property tax. From my perspective, they have made the error and they should have to get a refund from the county or the new land owner. I did my due-diligence and tried for several years to get them to stop paying the property tax. It should not be my responsibility to figure out how to get my money back from the treasurer or the new property owner.
|
| 04/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Our mortgage with Caliber Home Loans XXXX sold to them, post closing ) included an adjustable rate, which was scheduled to change on XX/XX/XXXX, to the 1 year XXXX XXXX rate, 45 days prior, and then fixed for 1 year.
On XX/XX/XXXX, XXXX increased our payment from {$1300.00} to {$2300.00}, without notice, citing an interest rate change, after the fact. Since we were on auto-charge, this caused an overdraft in our checking. Their online system still reflected the same rate of 3.50 %, so we have no idea what the heck happened. After multiple contacts with their customer service area ( 9 prompts, just to get to someone ), they corrected the payment amount and sent us a check back, for the difference. Didn't help the OD problem, but hey, thats not their problem, I guess. Never received an explanation, or an apology. We immediately removed the account from auto-charge.
Fast forward to this year, and we are waiting on a notification of our new interest rate XXXX which would be reduced XXXX, and nothing shows up. Having contacted their customer service area, and getting no-where ( all they do is " open a request, and we will respond in 5 days XXXX, I used their message center on XX/XX/XXXX to inform them of the details of their contractual agreement. then I was forced to call on XX/XX/XXXX ( XXXX ID XXXX XXXX, and it was " escalated ''. On XX/XX/XXXX, I received a VM, instruction me to call AGAIN. XXXX ID XXXX claimed that our mortgage had been updated, in accordance with the documents, but I have not received any confirmation of that. She claimed she would send an email, which we have not received. The online information is still the incorrect.
I then sent another message, with this information, on XX/XX/XXXX. Then on XX/XX/XXXX, they changed the payment to over {$2500.00}, when a REDUCED interest rate would REDUCE the payment. I have no idea what kind of metrics they used but amortizing the outstanding balance of {$78000.00} at $ 2.75 % ( according to teller # XXXX ) over the remaining 25 years of the loan gives a P & I of {$360.00}.
Another call claimed that they would correct this, and they then put the payment back to where it was, but had still not changed the interest rate. On XX/XX/XXXX, I entered their online system, and it reflected a 2.5 % rate XXXX correct, based on when they pulled the 1 year XXXX from the XXXX XXXX, and a reduced payment of {$1300.00}, which is actually a correct calculation. I took a screen shot of that information, because they have proven they are untrustworthy.
Naturally, when we received our bill for XX/XX/XXXX, it was back to the previous payment amount of {$1300.00}, and now the online system has also been changed BACK to the 3.5 % interest rate.
I have sent them another message this morning ( " we will get back to you in 5 days '' ), but I have no faith in their ability ( or desire ), to adhere to our contractual agreement. Now, they will also have to backdate the rate change and make an adjustment to the interest accrued on the loan. I am pretty sure that may be beyond their ability or desire.
Please, I need some outside help, to force them to adhere to their contractual agreement.
|
| 04/16/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Caliber Home Loans, Inc. assumed the servicing of our mortgage from XXXX XXXX on XXXX XXXX, XXXX. We had our Chapter XXXX bankruptcy discharged by Judge XXXX XXXX XXXX of the XXXX District of New York, United States Bankruptcy Court on XXXX XXXX, XXXX ( Case No. XXXX ). An order of Final Decree was issued on XXXX XXXX, XXXX. In a letter dated XXXX XXXX, XXXX, XXXX XXXX XXXX, attorney for XXXX states, " I have confirmed with XXXX that its pre-Petition arrears claim was paid in full, and that the debtors are up to date with respect to remittance of their post-Petition mortgage payments. '' This letter was addressed to XXXX XXXX XXXX, XXXX, XXXX XXXX Bankruptcy Trustee regarding the Notice of Final Cure Payment and Completion of Plan Payments.
From XXXX XXXX, XXXX to XXXX XXXX, XXXX both XXXX and Caliber hid from us an agreement they had, that placed responsibility for errors in our home mortgage account with Caliber including the time period that XXXX was the servicer of our mortgage. During the period up to XXXX XXXX, each company 's representatives would say that the other company needed to be contacted to correct the errors. Finally on XXXX XXXX, XXXX in a phone conversation with XXXX XXXX ( XXXX ) of XXXX was the agreement revealed to me. When I stated that I had a letter from XXXX XXXX, Vice President, Customer Service dated XXXX XXXX, XXXX that in order to have our concerns adequately addressed, we should contact our prior servicer directly. XXXX requested that I send her the letter and she would contact someone at Caliber to take care of the matter. I also told her that we had a similar letter from XXXX XXXX, Asst. Vice President, Customer Support and Escalations dated XXXX XXXX, XXXX.
Next we received a letter dated XXXX XXXX, XXXX from XXXX XXXX, Vice-President Customer Disputes of XXXX in which she states, " In addition, we have been advised by Caliber that XXXX XXXX 's single point of contact is XXXX XXXX, who can be reached at XXXX. '' We never received this information from Caliber. XXXX XXXX was named as our single point of contact in XXXX XXXX but he never completed any work on our behalf to resolve our issues.
We did call XXXX XXXX, Vice President of Single Point of Contact and he confirmed that there was an agreement in place with XXXX to take responsibility for their mistakes. However even after he contacted XXXX XXXX directly and reminded her of the agreement she has repeatedly sent us letters - XXXX in one week - in which she tells us to contact our prior servicer directly to resolve the issues. XXXX XXXX is attempting to address some of our concerns and has made some progress but it has been very slow. He is working to get some of our money returned to us that was improperly received and recorded.
There is a concerted effort by Caliber Home Loans to hide the agreement to take responsibility for the errors in our account most specifically by XXXX XXXX, Asst. Vice President, Customer Support and Escalations. The entire company has tried to confound and confuse us and discourage us from seeking relief. XXXX has agreed that there are serious communication problems within the company and with customers.
|
| 07/15/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Caliber Home Loans continues to be in defiance of the XXXX XXXX which was passed by XXXX to crack down on mortgage servicers like Caliber. This act gave CFPB the authority to implement the new requirements and adopt new rules to protect consumers by providing borrowers with better information about their mortgage loans and protecting borrowers from wrongful actions by mortgage servicers. On XXXX XXXX, XXXX, the Consumer Financial Protection Bureau ( CFPB ) issued mortgage servicing rules designed to protect borrowers when it comes to mortgage loans. The mortgage rules were finalized on XXXX XXXX, XXXX. The rules require mortgage servicers to : Send Periodic Billing Statements The mortgage servicer must provide a written monthly mortgage statement to the borrower. The statement must show : the amount currently due ( including how much will be applied to principal, interest, and escrow ) the total of all payments received since the last statement how prior payments were applied transaction activity partial payment information fees or other charges to the account account information ( such as the outstanding balance and interest rate ) contact information for the servicer and housing counselors, and information regarding delinquencies The specifics from the rule are : Periodic billing statements XXXX XXXX TILA XXXX XXXX XXXX XXXX.
Creditors, assignees, and servicers must provide a periodic statement for each billing cycle containing, among other things, information on payments currently due and previously made, fees imposed, transaction activity, application of past payments, contact information for the servicer and housing counselors, and, where applicable, information regarding delinquencies. These statements must meet the timing, form, and content requirements provided in the rule. ( see attached ) Caliber Home Loans assumed servicing of our home mortgage from XXXX on XXXX XXXX, XXXX. For XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX we did not receive monthly statements with Caliber. Prior to XXXX XXXX, XXXX XXXX did provide monthly statements. The first monthly statement we received from Caliber was dated XXXX XXXX, XXXX. We have repeatedly requested that Caliber send us the statements for XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. In response to a previous complaint, they responded on XXXX XXXX, XXXX : " We are still investigating why you did not receive the statements in XXXX and XXXX XXXX and XXXX XXXX. '' To date we have not received the statements for XXXX XXXX, XXXX XXXX, XXXX XXXX AND XXXX XXXX. Please see page XXXX of the attached letter for confirmation of Caliber 's statement.
We need these statements because XXXX has recently confirmed that they did not post our XXXX payments to our account. Subsequently this caused a cascade of problems with Caliber. Caliber has been unwilling to address these missing statements or provide relief for the mistakes made in XXXX XXXX. We need the statements so that we can confirm whether or not Caliber applied the XXXX payments to our account. They have corrected problems in our account that occurred in XXXX and XXXX XXXX but have not addressed the XXXX XXXX, XXXX issue.
|
| 01/23/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Caliber Home Loans ( CHL ) sent confirmation in XXXX of 2016 indicating that we were approved for a loan modification. Immediately thereafter, and pursuant to CHL 's instructions ; we submitted our signed documents which we Faxed ( verified ) & Mailed. We immediately began paying the agreed upon amount FAITHFULLY/MONTHLY to present day.
In XXXX CHL sent a foreclosure notice and when I called they indicated that they had not received the aforementioned documents before a XXXX deadline and they were therefore going to foreclose on our loan. CHL said they called and sent notifications BUT THAT IS NOT TRUE!!! as we only received a letter in XXXX stating the correct address to send our Bank Checks to as being XXXX not XXXX as I was sending the Bank Checks to the XXXX address as instructed by a representative which I spoke with. That is THE ONLY correspondence we received from CHL - for had they merely indicated that they did not receive said documents we would have immediately remedied the situation.
The Bottom Line is CHL accepted and cashed our checks for several months now which in any court of law is validation of the contract between us.
It should be noted that throughout the process of being completely ignored by the XXXX XXXX XXXX after being transferred from XXXX XXXX Bank - the entire process of dealing with CHL was excruciatingly difficult - and mind you - I 'm a XXXX with an XXXX!!! CHL seemingly/purposefully made Loan Modification Process exceedingly difficult. They would send out the same packets of documentations time after time and oftentimes requesting information that had already long since been sent and verified as being received by follow up phone calls. And please do note that it more often the case that the representatives gave completely different explanations when compared to the documentation they sent out.
Oftentimes it seemed like we were dealing with several different disjointed companies when trying to communicate with CHL. No one had answers to seemingly simple questions concerning their documentation inquiries.
In perusing the online complaints it was readily understood that we were in an uphill battle in dealing with CHL, but nothing prepared us for how incompetent this organization was.
XXXX can only hope and trust that they, like XXXX and other evil establishments, will be levied well-deserved punitive fines and fees for how they have mistreated their clients.
Reiterating : We complied with every request made of us - we were granted a loan modification - faithfully made our payments from XXXX through to XXXX - and then unexpectedly received notification that we were being foreclosed on - without a single phone call/message or registered letter which one would think would be well warranted in a situation like this. CHL sent us NOTHING save for an address correction for payment!
For if we had XXXX iota of an indication that there was a discrepancy we would have moved heaven and earth to remedy the situation.
With all that being said, we want to thank you for your time and efforts on our behalf as we are truly at your mercy against an unmovable object.
Gratefully yours, XXXX
|
| 01/04/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I originally had a mortgage with XXXX, and requested a modification, after numerous conversations and requests for paperwork I was working with a specific person, we spoke daily, and suddenly I got a letter that my loan was then with Caliber, after sorting that all out, I had to begin the mod process all over again with them. I filled out the application and sent the documents they requested. shortly after I received a letter that the request was received and is being processed, after that almost daily and sometimes XXXX a day, I would receive letters from Caliber, some saying everything was received for my request for a mod and it is being processed and a date that I should hear back, the next letter would say that my request was received but some documents were missing and are needed and a different date of deadline would be on that letter, and then another letter after that stating al had been received it is being processed and yet another date of when I should hear something by. I had to call and sort it out, and was told correctly and sent what was if anything needed, and tat it was being processed and that I would received information in the mail regarding the next steps, the only thing, however tht I have ever received from them has been letters requesting more, already sent information, or a letter saying its all in and being processed, or a monthly statement. I have never received a mod decision, or my options, in XXXX actually 3 months after I spoke with them about the letter I had been receiving, I received a packet about my options because of missed mortgage payments and a modification application. I called in questioning this, and was told that they never received everything they requested and if I want to move forward that I needed to send in another application, as confused as I was, I sent in the application and all documents yet again, and received a letter stating it was being processed. since then I have received monthly statements from them, I received a letter from the attorney representing them about a publication notice, but never a thing from Caliber in regards to it, nor have I received anything from anyone explaining that any further. I then got a letter stating that XXXX Bank XXXX was now the servicer of the mortgage, just as I had received when XXXX sold to Caliber, that was In XXXX, and since then I have been waiting to receive information to resume or bein the mod yet again with XXXX Bank. I have never been set a decision or options for a modification, I have sent it any and all information regardless of how many times I have already done so. I have been waiting to hear from Caliber so that I can move forward, as I have full intentions to pay for my mortgage, but I had a change in my situation and needed some help.
I have heard that I am now supposed to leave my home, I am being evicted, yet I do n't know why, or when this happened. because I have heard nothing, like I said I have waited on a decision for mod that I have never received, the options that I am supposed to be given, were not given, " keep homeowners in their homes '' is apparently not at all what anyone wants to do.
|
| 12/14/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I originally had a mortgage with XXXX, and requested a modification, after numerous conversations and requests for paperwork I was working with a specific person, we spoke daily, and suddenly I got a letter that my loan was then with Caliber, after sorting that all out, I had to begin the mod process all over again with them. I filled out the application and sent the documents they requested. shortly after I received a letter that the request was received and is being processed, after that almost daily and sometimes XXXX a day, I would receive letters from Caliber, some saying everything was received for my request for a mod and it is being processed and a date that I should hear back, the next letter would say that my request was received but some documents were missing and are needed and a different date of deadline would be on that letter, and then another letter after that stating al had been received it is being processed and yet another date of when I should hear something by. I had to call and sort it out, and was told correctly and sent what was if anything needed, and tat it was being processed and that I would received information in the mail regarding the next steps, the only thing, however tht I have ever received from them has been letters requesting more, already sent information, or a letter saying its all in and being processed, or a monthly statement. I have never received a mod decision, or my options, in XXXX actually 3 months after I spoke with them about the letter I had been receiving, I received a packet about my options because of missed mortgage payments and a modification application. I called in questioning this, and was told that they never received everything they requested and if I want to move forward that I needed to send in another application, as confused as I was, I sent in the application and all documents yet again, and received a letter stating it was being processed. since then I have received monthly statements from them, I received a letter from the attorney representing them about a publication notice, but never a thing from Caliber in regards to it, nor have I received anything from anyone explaining that any further. I then got a letter stating that XXXX XXXX XXXX was now the servicer of the mortgage, just as I had received when XXXX sold to Caliber, that was In XXXX, and since then I have been waiting to receive information to resume or bein the mod yet again with XXXX XXXX. I have never been set a decision or options for a modification, I have sent it any and all information regardless of how many times I have already done so. I have been waiting to hear from Caliber so that I can move forward, as I have full intentions to pay for my mortgage, but I had a change in my situation and needed some help.
I have heard that I am now supposed to leave my home, I am being evicted, yet I do n't know why, or when this happened. because I have heard nothing, like I said I have waited on a decision for mod that I have never received, the options that I am supposed to be given, were not given, " keep homeowners in their homes '' is apparently not at all what anyone wants to do.
|
| 05/06/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
To whom it may concern : I have lived in the state of Florida all my life and am an active member of my community. I provide public service to my church and have served my country in the XXXX XXXX as a XXXX. I have owned my home since XXXX of XXXX, but I am now in danger of losing it to foreclosure due to a predatory loan and lender 's unwillingness to rectify the problem.
After using XXXX loans to purchase this home, I decided to consolidate in XXXX and refinance the property with the purpose of controlling my interest rate and payment and also to use a little cash to do some home improvements. The bank appraised the home for $ XXXX at the time of the refinance and the Loan was for $ XXXX. I felt safe by leaving a sizable amount of equity in the home which would allow me to sell the home or refinance in the future if better rates became available. I also thought I was getting a 30-year fully amortizing loan, but it turned out to be a 50-year partially amortizing loan with a balloon payment due after 30 years!!! I would never sign up for this kind of loan knowingly.
I started to suspect a problem a couple of years into the loan when I noticed that I was hardly making a dent in the principal after paying so much money ( XXXX I believe ). I was struggling anyway due to the economic downturn that had occurred, so I contacted XXXX ( who eventually changed their name to Caliber ). I got nowhere with them for the next two+ years!! I was told at XXXX point that I could n't get any modification help unless I was behind on my mortgage ; so after trying until XXXX, I decided I had no choice but to stop paying into this predatory loan. Once I fell behind, I applied for a modification a couple of times.
Each time, the only offer I was given was XXXX that offered short term relief for a couple of years and then a reversion back to the same loan terms with a large amount added to the end of the loan. The offers also restricted my future rights to attempt to modify the loan.
I believe my loan qualifies for some program out there. My property has lost about 25 % of its value since I bought it, and about 50 % of its value since I took this loan out. I am a XXXX and am doing fine financially, at least well enough to maintain a reasonable mortgage loan. Add in the predatory nature of this loan, and I should actually be a prime candidate for modification, but XXXXCaliber has shut the door on me by not offering any real solutions to this problem. I have been attempting to Short sale the property since XXXX XXXX but Caliber is not cooperative. Now I 'm facing a foreclosure sale on XXXX/XXXX/XXXX!!!
This could have been resolved years ago ; I 've talked to so many different representatives trying to get this fixed and move forward. I never intended to defraud anybody, and I 'm not looking for charity. But this loan is not fair!!! All I ask is to be given a fair chance at the modification programs that are supposed to be made available to citizens like myself whose tax dollars bailed out these lenders. Any assistance that would allow my family to keep our precious home would be greatly appreciated. Thank you for your time.
|
| 11/15/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I was charged and paid a fraudulent fee. My loan was transferred another mortgage company at the end of XXXX have had nothing but issues. I had to get my lawyers involved to rectify the errors in my account.
When I first received information from the new mortgage company back in XXXX the statements showed I owed {$27000.00} and that I had not made payments in the last year. I do n't know whatinformation they received from the old transferring mortgage company, but I do know that I sent the new mortgage company, the court documents stating the terms to the loans from my bankruptcy that was discharged XXXX 2015. I made payments on time and monthly to the old mortgage companyaccording to terms of the agreementby the courts since XXXX 2015.There was no change to my accountafterI sent the information to the new mortgage company.So, thenI had to get my lawyer involved and they sent all thedocuments showing the court agreement and proof ofpayment since XXXX XXXX!
XXXX, I received a monthly statement showing Iowed $ XXXX the statement there was no breakdown of why the payment was more than the monthly payment. I asked my lawyer and they thought it was due to increase in escrow. So, I paid it to avoid any late fees.When I got my statement this month is shows the extra money I paid was not for escrows but for fees. It does not state what type of fee. I should never of been charged any fees of any sort. I have made every payment according to court documents and have provided proof of payment. I called the new mortgage company. The told me they were foreclosure attorney fees. This fee is a fraudulent charge. I contacted my lawyers and they said I should not have received any fees and we can take both the old and new mortgage company to court to get the fee back and for getting my information incorrect from the beginning. I am already incurring lawyer fees to errors that were made from both bank.I should not have received any fees from the bank. XXXX companies are in violation of the confirmations order and discharge order in my bankruptcy. I have followed everything byagreement with the courts. I should not bepayinglawyers to fix errors by your bank! The terms for the loan are very clear in the court documentation. I am requesting the {$670.00} to be refunded back to me as it is a fraudulent charge. I do not have that kind of money to just throw away and expect better from our system. I have called and spoke to numerous people I have emailed them. I 'm so frustrated as I have worked hard to repair my hardships. The only way to rectify this is to pay more money to take them to court. This is criminal. I am a single mother who is law abiding and I am looking for some support as I feel I have become a victim of the system. They also are in violation of the agreement by not reporting to the credit bureau the payment that I have been made for the past 13 months. I am pleading with you to help me rectify this situation. I can not afford to hire lawyers as I already hired them. It is not right that these mortgages companies violated and continue to violate these court orders. This is affecting my lively hood and my children.
|
| 03/22/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Our home was damaged by XXXX in XX/XX/XXXX. From day 1 i have been open about this being an estimated claim of $ XXXX $ XXXX and 100 % compliant to Caliber Home Loans request and documentation. Situation 1 was the poor mishandling of our 2nd advance check it took them nearly 30 days to endorse and get it back to us. one delay in this process was me having to re-verify that the previous payment was an Advance, even though they had already endorsed and released this check to us themselves.another delay was them sending the check back to me for my signature which contradicted their instructions to not endorse the check and mail it to them, to prevent mailing a " Live '' check once they endorsed upon verification of " Advance '' status and returned to Us. It seems that every call I make to Caliber Home loan Loss Draft dept I get a different answer or policy. On XX/XX/XXXX we finally received our first look at the Proof of Loss by our adjuster. At this point I relayed this information to them and asked exactly what we need to do to have the specified amount of final payment handled swiftly. I did what was requested and to no surprise, once the actual check arrived they added more requirements for documentation, hence delaying our funds. On XX/XX/XXXX the final settlement check was deposited into their account. they spent 2 weeks to issue payment to 2 contractors which had been on file for at least 30 days. Now that all contractors have been paid in full and the home has passed a 90 % inspection they still refuse to dispurse the remaining funds which are intended for the Kitchen ( remaining 10 % ). There is a XXXX estimate on file to justify the cost of the final repairs. However Cabinets must be Prepaid before we can get a final invoice, this seems to be an industry standard.They are questioning me about the cost of Kitchen, etc because the quote is higher than remaining funds. This deficiency is occurring because the used funds for my " Flood '' claim to pay an invoice/contractor that was associated with my " Wind and Hail '' claim. Ultimately I do not care about this as the contractor had me on a payment plan ( to help me with a high deductible ) and was obviously getting paid regardless. They chose to merge the 2 claims into one in there system, it does not give them the right to control my repair plans for our Kitchen.I have had several of their representatives agree with my pleadings and offer to personally monitor my claim and give call backs on important updates/decision and/or requirements. This has never happened once and I still get a different representative and longer hold times each day I call.They say they are operating within federal regulations, which each representative has a different policy. If this is true the Regulations must be changed immediately. My family was blessed with much support from family, friends and local businesses to get our home to 90 %, without them I would still be renting a second home and waiting on Caliber Homes Loans to give us the run around and not restore our life.Please note Caliber Home Loans did not miss a mortgage payment from us during this Natural Disaster
|
| 05/18/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Caliber Home Loans, Inc., keeps ignorning all my pre- and post-petition payments for the Chapter XXXX Bankruptcy filed in XX/XX/XXXX. Caliber began servicing the loan in XX/XX/XXXX I I had a balance in both the Unapplied Funds and Suspense Accounts for {$920.00}, and {$1100.00}, and and additional {$100.00} and they failed to post them as regular payments. Further, a payment was posted to the loan in XX/XX/XXXX, yet Caliber continued to attempt to foreclose on my property, without complying with all HUD requirements nor proving they have standing to do. I attach a copy of their recent letter stating some of the regular payments I made during XX/XX/XXXX along with an IRS XXXX FORM showing interest and taxes paid to date, and therefore request an audit of the loan. The loan originated on XX/XX/XXXX, with a principal balance of {$310000.00} with a non existent lender called XXXX XXXX XXXX, dba XXXX. The previous servicer of the loan was not XXXX, but another company called XXXX XXXX, XXXX. Caliber allegedly became the servicer of the loan on XX/XX/XXXX. The loan according to them was contractually due for the XX/XX/XXXX and subsequent monthly installments when I filed Chapter XXXX Bk in XX/XX/XXXX. I then proceeded to make all my pre and post-petition payments to the Trustee and Caliber Home Loans as agreed during XX/XX/XXXX as you can see in their attached letter, and non the less, they have continued to foreclose and a sale date is currently scheduled for XX/XX/XXXX. I have requested clarification many times and they continue to ignore me. The payments posted in conjunction with the Chapter XXXX Bankruptcy ( Case Number XXXX ), is now in Appeal with the Bankruptcy Appellate Court ( BAP ). On XX/XX/XXXX. Caliber claims it has not received evidence to support all post-petition plan payments in accordance with the Chapter XXXX Bankruptcy plan, and yet presents them all in the letter attached. Caliber filed a Motion for Relief on XX/XX/XXXX based on misrepresentations, which was granted by the Bankruptcy Court and recorded on XX/XX/XXXX, and Appealed immediately thereafter. Another suspense balance of {$1600.00} during this year XX/XX/XXXX was applied to the XX/XX/XXXX, contractual installment of {$1600.00}, which should have been posted to the regular payment in XX/XX/XXXX. All payments have not been correctly applied to the loan, and Caliber has failed to provide copies of the true post-petition payment history, as well as the loans consolidated transaction history for verification ; therefore, an additional audit is required. It is also important to note that they have failed to establish standing to pursue foreclosure proceedings, and have failed to verify that all foreclosure proceedings have been conducted in accordance with federal and state laws. Their alleged Single Point of Contact ( SPOC ) is never the same person and the Manager named XXXX at extension XXXX at that Department on XXXX fails to return my calls. For the above reasons I request a full audit be carried out immediately on the loan by the CFPB and they order that this unlawful foreclosure be stopped while the BK Appeal is pending.
|
| 06/20/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
In XXXX I purchased property that included 2 parcels for one lump sum, parcel A & B which have their own legal descriptions, has 2 separate tax payments and is apparently considered combined property. The following recordings is what the county auditor provided me with in approx XXXX of this year as a result of my inquiry to their action of intent to foreclose notice to me on parcel B. They also said that the property is considered combined and just one parcel could not be sold indep. from one or the other but no explanation of how they would be entitled to foreclose B on me. List begins with : XXXX I am listed as grantor with XXXX listed grantee of deed of trust. Refinance with XXXX in XXXX. XXXX XXXX XXXX is grantor and deed assigned to XXXX, XXXX XXXX XXXX is grantor and XXXX assigned. XXXX XXXX XXXX grantor appointment to XXXX. Prior to XXXX both parcel tax pyments where made by lender/assigned servicer. In XXXX after refi with XXXX I assumed making the tax payments on parcel B. I believe as a result of the fact that parcel B was omitted from the legal description on the deed which I just recently came to know. In XXXX I refinanced with XXXX, in XXXX I got a loan modification from them under HAMP. In XXXX of XXXX I stopped making payments due to XXXX. I received notice of default XXXX XXXX, notice of trustee sale, [ auction scheduled XXXX XXXX XXXX ] XX/XX/XXXX from XXXX. Received notice of purchase of loan from XXXX master particp. trust early XXXX. Notice from XXXX that the servicer of loan assigned to Caliber end of XXXX [? ] but I believe no mention that loan had been sold. Since I refinanced my loan and received a loan modification with XXXX in XXXX and XXXX I assumed they would have been the holder of the title. But recording shows nothing about XXXX until XXXX? Several mortgage transactions have occurred since XXXX. With title searches assumed to have been done in these various transactions, the mistake of parcel B missing from orginal note not caught? Additionally, the county has my well as being on parcel A, it is located on B. The appraiser/assessor office shows pictures of parcel B in parcel A assessment. No pictures are provided of B. A comment is made on assessment of B that says no site charged, combined property, this comment could not be explained as to meaning. I apparently own parcel B free and clear as evidenced by it not being included on XXXX deed. Servicers had been notified that prior to XXXX both parcel taxes had been paid by myself. Due to the confusion I simply assumed tax payments of this parcel, not really knowing exactly why this occurred, and that they were cheap anyway. I believe the title is clouded or defective? I believe that XXXX master participation and assigned caliber home loans have no right to pursue foreclosure under quality 's initiated paperwork. I believe that my loan may have been a result of robosigning some where along the line. Included in my XXXX refi paperwork is a XXXX XXXX is signed on the pay to the order without recourse ameriquest [ along with [ XXXX ] which is apparently the incorrect spelling of her name identified in a XXXX investigation
|
| 10/31/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American, Servicemember |
|
I have a mortgage on my home with Caliber Home Loans, XXXX XXXX, OK. I have been trying for several years to get a loan modification application approved to get my mortgage payments lowered and a better interest rate. The VA is also on the mortgage as my husband was a XXXX XXXX veteran. Unfortunately, my husband passed away in XX/XX/XXXX and the mortgage is in his name ONLY. Caliber sent me a loan modification agreement with a letter dated XX/XX/XXXX. The agreement had signature lines for my husband 's name only. Caliber had already supposedly put the account in my name as " Successor of Interest '' for the mortgage. My husband passed away XXXX. I called Caliber to ask them about my husband 's name being on the signature line of the loan mod agreement. The representative I spoke to did NOT have a copy of the agreement on his computer, but told me to just cross out my husband 's name and sign my name on the agreement. I signed the agreement in front of a Notary Public and then mailed the agreement to Caliber in the overnight mail. I did not hear from Caliber and called them on XX/XX/XXXX. The Caliber representative informed me that the agreement was dated for XX/XX/XXXX and Caliber was NOT going to accept the agreement and they were proceeding with the Sheriff 's sale of my property. I spoke to a VA representative on XX/XX/XXXX in XXXX who is servicing this account. That rep informed me that she could see on her computer records that Caliber had APPROVED the loan modification application in XX/XX/XXXX and again in XX/XX/XXXX. I never received this approval from Caliber nor did I receive an agreement from Caliber. My husband was still living in XX/XX/XXXX so he would have been the one to sign the agreement, but we did NOT receive that agreement. This is a super mess and has been ever since we started doing business with Caliber Home Loans several years ago. I have submitted NUMEROUS loan mod applications over the years and Caliber holds onto the documents long enough for them to become outdated, and then they request new, updated documents so I have to start the loan mod application all over again. I have over twenty-five ( 25 ) years ' experience in the XXXX field and am currently XXXX for XXXX XXXX. I keep very good records of everything which has taken place during this process. We had asked for a modification when my husband retired and I was not working. I have been XXXX for XXXX XXXX for the last four ( 4 ) years and am able to make my mortgage payments on time each and every month. But Caliber has never been interested in that fact. They prefer to play games and keep me on a merry go round and in suspense as to whether or not I will be able to keep my home. I did a XXXX search on Caliber Home Loans and a large number of lawsuits and class action lawsuits popped up where customers have sued Caliber for many of the same issues I am having with them. The rep at the VA suggested I file a complaint with you so that maybe you can investigate this terrible mess and possibly help me to keep my home. Thank you for your assistance, have a great day and XXXX Bless You! XXXX XXXX XXXX, XXXX XXXX
|
| 07/27/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
CALIBER COMPLAINT The way We make our mortgage payment monthly is by online banking.
We log in into Our account at Caliber We transfer money from our bank to Caliber by using Caliber 's website.
It shows as posted/draft on the date we make the payment and we receive " one Time Payment Received '' email on that date.
48 hours later/2 days I receive a 2nd email as a 'Confirmation of payment ''.
Since XXXX, 2016 this has not happened.
Back in XXXX, 2016 after we made our mortgage payment ( posted /draft payment ) we received the 1st email " one Time Payment Received '' as usual but 48 hours later, we notice we did not receive our confirmation payment email ( Email # 2 ).
We emailed caliber asking for my confirmation email and we asked if they changed their protocol. ( since we have not received any letter stating the changes ) They answer that they have not changed their procedures/protocols, also, that we should check our spam/block list & to consider their response as the confirmation for mortgage payment.
We did, there was nothing in our spam folder, our block list did not have Caliber blocked & we made sure to have their information in our address book.
The following month the same situation happened. We did not receive our confirmation payment email ( Email # 2 ).
I emailed again and they responded exactly the same thing. ( to check on my end and to consider their response as our confirmation ) On Month # 3 the same situation happened. Since emailing this company does not fix the problem, puts the problem on me & maintains poor communication We decided to call their XXXX number.
We explained to customer service person what has been happening, and he gave us the same " solution '' check your spam folder, check your block list and, He said he can not give me a confirmation over the phone, offered to switch my email notifications into Mail notifications. He said they are working on the problem and did not have any idea of when we would get a confirmation email.
We told him this problem has been since XX/XX/XXXX & we needed our confirmation email.
He was not able to give us any kind of confirmation for our payment, he could n't give us a time line on when this was going to be resolved ( again, this problem has been happening for 3 months ) then he put us on hold saying that he would get us a supervisor ( who I did not ask for ) We spent 1 hour of our time over the phone with customer service and we had to email again in order to get a confirmation email.
Caliber has a very poor customer service by email or by phone.
Communication is key.
Our Mortgage payment is the most important payment we do and we have always taken that very seriously.
The email customer service at caliber ignored our situation, they did not look into the problem from their end twice. The personnel on the phone did not help neither while it seems he was able to look into the problem his inability to give me a confirmation just makes their service insufficient/deficient/limited.
By email they ignore your petitions/problems and by phone they can not give you confirmation.
Really bad customer service
|
| 12/26/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
My spouse and I have been struggling with our mortgage and XXXX offered us a plan to get caught up. We agreed to make payments for 6 months to get caught up - 'good faith payments ' they were called and after the 6 months of payments ... we would be evaluated for a modification. Or so they said. 4 months in, we made all 4 payments on time and had two more to go, our mortgage was sold to Caliber Home Loans. We did receive a letter stating that the mortgage was sold. Since we were on a payment arrangement with XXXX, we called Caliber to make sure the payments were still going to be deducted automatically from our account and to make sure they had our account information. However, when we called my spouse spoke with someone named XXXX and XXXX stated our home was going into foreclosure in 7 days if we did not pay the {$7800.00} that we were behind with on our mortgage upfront. If we had the {$7800.00}, we would not have been on a repayment plan. My spouse tried explaining this and he was told that if we did not have it in writing from XXXX, that arrangement could not be proved as valid. So then I stepped in and called Caliber and spoke with someone and I was told the same thing, we needed the agreement in writing and to fax it over if we could in order for us to continue with the original XXXX repayment plan. I tried explaining that every month we would get a 'notice of right to cure default ' and the notice states that " If you have made arrangements to cure the delinquency of your mortgage and the agreement is kept, you may disregard this notice. '' We called XXXX the first couple of times we received this letter and they assured us that the payment was made and all was fine. Caliber Homes ( new mortgage company ) stated that did not count. So we call XXXX to inquire about receiving a record of the agreement ... my bank account reflects 4 payments automatically deducted as agreed by the way, but XXXX tells us they no longer have any trace of our records because the mortgage has been sold. At this point, I am ready to call a lawyer but my spouse calls Caliber homes one last time and speaks with someone named XXXX, extension XXXX, and XXXX states that XXXX ( original rep from Caliber homes we spoke to first ) was wrong and literally states verbatim that XXXX does not know what she is doing and XXXX is wrong. We are still on the original agreement schedule with XXXX called a 'step to modification ' according to XXXX . We are supposed to adhere to the XXXX agreement and then discuss a modification according to XXXX. Okay, a big sigh of relief right before XXXX. However, later that same day - XXXX from Caliber Homes calls my spouse on his cell phone and states that XXXX is incorrect. My spouse disagrees and states he does not want to deal with XXXX anymore and would like to continue with XXXX because XXXX seems to know what she is talking about and apparently XXXX had our records from XXXX and was quoting verbatim our initial and original payment agreement that we had with XXXX. XXXX stated that 'nope ', XXXX was wrong and our foreclosure was imminent. What in tarnation is going on here.
|
| 08/25/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
For the past 3 years Caliber Home Loans states that we have not paid our taxes and they have received tax bills from our XXXX XXXX XXXX to pay the back taxes. They claim that they have paid the tax bills ( that we have already paid and have provided them receipts for ) and in turn bill us for the amount of about {$4800.00}. They have added the {$4800.00} to my Escrow account and are demanding that we pay an extra $ 300+ monthly. I have disputed this issue with them in the past and I want it to stop and I also would like to be refunded all of the extra taxes that we have overpaid to them.
My mortgage company Caliber Homes Loans are charging me for taxes that I 've paid in the past by adding them to my Escrow account. I have provided them proof of the taxes that I 've paid ( which is the amounts they say I owe.
I 've been having major issues with mortgage company Caliber Home Loans trying to get an honest answer as to why they are charging me for taxes that I 've proven to them that I 've paid in the past. Whenever I call them for a response to the " case '' they opened over 2 months ago to research the tax issue, I constantly get the run around. I 've had customer service reps say they are going to transfer me to their tax department or to speak to supervisors just to have them hang up on me. I 've heard different stories as to why they are making me pay more for my Escrow. XXXX of the stories that I 've heard if that that when I remodified, Caliber did not process my modification correctly which caused me to be between {$3000.00} to {$4000.00} negative in my Escrow account. I think that if they made the mistake they should try to rectify it by modifying the modification, not charging me for their mistake and or charging me for taxes that I 've proven to them that I 've paid.
I 've contact both XXXX XXXX and XXXX County regarding the taxes to see if Caliber has opened a " Case '' regarding the taxes that I supposed owe. I was advised by both XXXX County and XXXX XXXX that no case has been opened with them to resolve this issue. When I spoke to the XXXX County Treasurer they advised me that once Caliber Homes sends them copies of the cancelled checks for the taxes they paid, they will then start investigating and refund me any tax overages. I 've relayed this message to Caliber Homes and they have yet to provide the cancelled checks to me or the XXXX County Treasurer.
I am concerned because my husband and I can not afford to pay the extra $ 300+ a month that Caliber is forcing me to pay for something that I am not responsible for. We honestly do n't know how to get this issue resolved because no one at Caliber Homes is helping to resolve this issue.
XXXX XXXX ID XXXX opened with XXXX XXXX ( XXXX ) XXXX XXXX in XX/XX/XXXX.
Spoke with XXXX with XXXX XXXX on XX/XX/XXXX and he advised me that he will make sure I receive copies of the cancelled checks for tax payments from Caliber that from XXXX XXXX XXXX XXXX disbursed in XX/XX/XXXX. It has been over three months and this issue has yet to be resolved and no one from XXXX XXXX or Caliber has contacted me via email, phone, or mail.
|
| 06/01/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I received the following notice via email that I am going to be charged a " transactional fee '' to make an online payment. Please note that Caliber Home Loans had previously " suggested '' that I opt out of receiving paper notices. This seemed reasonable, as my info is all online anyways. Plus I knew that it would save the bank processing fees, and this seemed like the " right thing to do ''.
So now they want to repay my consideration for their cost of doing business by charging an absurd additional processing fee?
I have always made this payment on time, between the five-days period two days prior to 2-3 days after the first of the month ( probably 90 % of the time on the first day of the month ) ; I've never had to pay a penalty.
In the recent email, the company states that if I wish to pay with a check via mail, I can avoid the fee.
( I suppose the purpose of that is running the risk of checks getting " lost '' in the mail, so they could charge late fees? ) How could the cost to the bank of hiring and paying someone to process paper checks sent through the mail possibly be less the automatic processing of online payments? - There's no point in trying to answer that question. It's impossible to add human agency to a financial transaction at less cost than an automated online payment. Period.
This fee is a sophisticated scam by a grasping bank manager to bilk honest mortgage payers, pure and simple. The sole intent and purpose is to add an additional amount to the payment of my FHA loan : paying a fee to make a payment!
Shame on Caliber Home Loans.
I will also be writing to my congress-person.
: -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Email from Caliber Home Loans -- -- -- -- -- -- -- -- -- -- -- -- - Were writing to inform you of a change which may affect monthly payments made to Caliber Home Loans , Inc .
Beginning XX/XX/2018, each one-time loan payment online or through the Caliber Home Loans mobile app will be assessed a {$3.00} transactional charge. However, theres an easy way to avoid paying this monthly charge ... and its also a time saver!
Choose recurring loan payments and skip the fees Also known as automatic payments, our recurring loan payments enable you to set and forget this monthly task. You can set up recurring payments with your Caliber Home Loans mobile app, or by logging into your account at caliberhomeloans.com.
As always, you may continue to pay by mail without charge by sending your payment to Caliber Home Loans , Inc., XXXX. XXXX XXXX, XXXX, TX XXXX, or for overnight delivery, send to Caliber Home Loans, Inc. Attn : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX TX XXXX.
You may also make your payment 24/7 using Calibers automated attendant at XXXX. Transactional charges may apply. Visit Fees & Fee Descriptions for more information.
Thank you for being a valued Caliber customer!
Caliber Home Loans Copyright XX/XX/2018 Caliber Home Loans, Inc., XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( NMLS # XXXX ). XXXX. All Rights Reserved. Equal Housing Lender.
|
| 07/31/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I experienced financial difficulties and was denied a modification with Caliber mortgage. I then requested a Short Sale to avoid a foreclosure. In addition the HOA payments were late and the HOA was suing for payment and the City of XXXX XXXX XXXX lien refused to assist and advised that they would rather foreclose due to lack of manpower in their office. While we were in the Short Sale Process, the negotiator advised that we had a foreclosure sale date of XX/XX/XXXX. Caliber 's representative advised our agent on XX/XX/XXXX that she needed to have the HUD1 updated to reflect changes necessary to approve the short sale and thereafter we would have XXXX days to negotiate with the HOA and XXXX lien. Our agent complied. However, once we filed the Ch XXXX BK, our agent was advised they needed a Court Approval for the Motion to Sell. Our attorney advised that we would need an approval from the Lender to request the Motion to Sell as is Customary. Our agent also consulted with the Lender 's BK attorney regarding the situtation to find out why they were requesting the Motion to Sell before receiving the approval from the bank. The paralegal at the Attorney 's Office XXXX XXXX XXXX advised that there must be a confusion and was going to check with the Bankruptcy Department at Caliber. Also, the Negotiator at Caliber keeps telling our agent that their is a Foreclosure Sale date up for XX/XX/XXXX, while the paralegal advised that the sale was on hold. It appears that the lender may not be adhering to the BK rules? I was also advised that per the bank, I had to resend the offer we currently have within XXXX days of the foreclosure date to be able to review in order to avoid a foreclosure. This does not make sense at all. Additionally, we requested a HAFA short sale and the same negotiator advised at the onset that we could not do a short sale via HAFA, yet they participate in the Hardest Hit Fund Program. This loan was originally an FHA loan and then apparently transferred to a non FHA loan when the loan transferred from XXXX XXXX XXXX to Caliber Mortgage. Furthermore, our property had roof damages and I filed a claim XX/XX/XXXX. The check was sent to us with the then lender XXXX XXXX XXXX 's name along with ours. We were advised that because we were in financial hardhip it had to be done this way. Again, this did not make sense as we could not cash the check at XXXX XXXX XXXX. Finally a letter was sent to XXXX XXXX and what occurred next was unimaginable. We were asked to send them the {$5000.00} check for damages apparently so that we would get a replacement check without having them on the check so that we could cash it. All this time we were trying to work with the insurance adjuster and he accused us of cashing the check and could not send a duplicate check. Soon after it was found out that Caliber Mortgage has cashed the check and we have not heard back from anyone advising regarding this issue. I could not cash the check for XXXX years, yet XXXX XXXX XXXX can dispose of our funds so easily to Caliber??? We urge you to assist us in investigating thouroughly this situation.
|
| 04/23/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I discovered on XXXX/XXXX/2015 that my property taxes were not paid by my mortgage companies escrow department. I contacted them to find out the reason and discovered that they had the wrong parcel number on file and paid another parcel number tax amount. The amount paid was more than {$2500.00} than my parcel tax amount. The tax department told me that they would open a case to look into the issue and that I would have to call back in 10 days, as the tax department can not make outbound calls. I called back 10 days later to find out that they requested a refund on the original amount paid and that they paid my taxes correctly now. I questioned them on the amount paid this time and again it was not the correct amount. When I questioned them, they said that they would open a case on it and I would have to contact them in 10 days. I was very upset and asked to speak to someone that could help and I was told to contact customer service. I contacted customer service and explained all of this and they said that they would look into and get back to me. I requested statements on my escrow account and they provided. I received the statements to only find out that my escrow account is negative due to both wrong payments and my monthly mortgage payment would be increasing. Now realize, I have been paying an inflated escrow payment due to the original parcel number/property tax mistake. I was assured a call back on XXXX with an update and resolution. I never received the call. I called and asked for the agent ( by their agent number ) and the agent was not available and I was assured a call back from the agent the next day XXXX. I never received that call. I called back again today XXXX and tried to get to a manager or supervisor and was only given another agent. Again I was told that they are still working on reconciling the account, waiting on their checks to be returned and my escrow account to be updated before they will pay my property taxes. Property taxes not paid by XXXX/XXXX/2015 are considered delinquent and subject to penalties including late fees. Taxes not paid by XXXX/XXXX/2015, the tax certificates are sold and liens and other severe penalties are enforced. When notifying my mortgage company escrow department, there answer is " I 'm sorry sir, we are doing everything we can to resolve this and can not give you an expected update. We have to wait for the checks to be return, funds to be added back to your account, and then we can pay your taxes. '' I ask how long will this take? " It can take up to 90 days for refunds and I 'm sorry sir, we have cases open now and do not have an exact time frame but we will notify you. '' I have over XXXX hours and more than XXXX calls in to multiple divisions of the mortgage company, escrow and tax departments. I have asked for a manager or supervisor on almost all of these occasions and have not once been transferred to XXXX. Lastly, this is not my first year with the mortgage company. The previous years they had and paid the correct amount. In XXXX of the calls, they told me that they were reorganizing their tax department.
|
| 04/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
The Whole process buying my house was horrible, I was treat really bad and the numbers were confuse from the beginning to the end, plus a lot of blank addendum pages, ( no signed for me ), never either I got a decent closing Packet documents.
One year passed.
I made some improvement to the house.
plus the house per appraisal had a higher value at closing time. Sold {$210000.00} and the appraisal was {$220000.00}. The balance now XXXX XXXX.
plus I have a lot of byer right now they are offering me {$300000.00} for the house as it is. The only thing that I want The PMI off. I am a single mother in need to reduce the monthly payment I called the mortgage with question about the PMI company, I was told Caliber Home Loan, I said Why? is that correct? that the seller and the PMI company be the same. Contract under my name and Caliber Home Loan.
then I was told that I had a XXXX XXXX Mortgage, I said no, My house was a bank owned house, I bough to Caliber Home Loan. ( there is long sad history about my process buying a house, that I want to share with you because I want others learn from my experience but I will send a letter later to you ) about the seller they say I have Freddy Mae mortgage and I do not know anything about Freddy mortgages and no documents showing that information.
I request documents/information about the PMI being removed from my mortgage and they sent it to me looking good and fair.
But then immediately to that I receive a Shortage letter asking me for {$3300.00} for the taxes last year. I called them and they told me was the insurance and the taxes, the Home insurance no possible I paid in advance a whole year payment {$800.00} at closing time plus I have been doing payments every month for a whole year no possible ( I have the documents from the Insurance company with same amount for XX/XX/XXXX until XX/XX/XXXX ), finally is related to the taxes from last year XX/XX/XXXX.
Taxes for the house Year XX/XX/XXXX {$100000.00} XX/XX/XXXX I am not sure about how much was it. ( I did receive a notice from the XXXX county when a proposed amount for XX/XX/XXXX between {$3000.00} and {$3200.00}, nobody understand why the taxes went up more than 50 % for the house, I do not have even a middle school close for my son, all are far away form the house.
I paid in advance {$700.00} for 7 months at closing time and I paid 8 months from XX/XX/XXXX to XX/XX/XXXX. I can not be short for that amount. I did request an Escrow account disclosure per month from the first day. I did request a mortgage documents. I waiting for them right now.
CALIBER HOME LOANS. account number XXXX. Loan XXXX Sellers : Caliber Home Loans XXXX XXXX XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
I had had a lot of incidents from I moved " XXXX XXXX XXXX XXXX XXXX Fl. XXXX at XX/XX/XXXX but no prove to say that somebody was getting in like I suspect.
Again I want to share my horrible experience with others nobody deserve that when buying less a house.
please let me know if you need something else. thanks in advance and have a wonderful day.
|
| 09/23/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
MORTGAGE MODIFICATION : On XX/XX/2016, I submitted an application for a mortgage loan modification with my new mortgage company, Calilber Home Loans, who had recently purchased our mortgage from XXXX XXXX. XXXX sent a letter to our bankruptcy attorney ( Chapt. XXXX ) indicating we should apply for a modification. For 2 months and 3 weeks, I have submitted and resubmitted document after document, specifically, Transaction Summaries, among other things, regarding my husband 's Social Security XXXX credit and debits on the SSA issued XXXX XXXX Debit Card. I have been submitting, at Caliber 's request, updated Transaction Summaries numerous times and have explained, to Caliber 's satisfaction, I thought, that I did not have access to a " bank statement ''. I can only print Transaction Summaries from the account on the XXXX website. My application for modification becomes null and void on XX/XX/2016. It appears that Caliber 's convoluted, unorganized and cavalier approach to applications for loan modification are designed to frustrate the applicant at every opportunity and to stall the process until the application is null and void. Applicants can not speak directly to loan modification officers, only a " single point of contact '' individual who is the " middle man '' and who can do little to nothing to actually assist the process. They can only pass along what they read on the computer or are told, while the applicant is put on hold, what " they '' said. My bankruptcy attorney told me this process would be " difficult '' because mortgage companies really did not want to modify loans. I had no idea just how difficult and frustrating this process would be!
Last week I was told by Caliber that I needed to resubmit the XX/XX/XXXX and XX/XX/2016 " bank statements '' for the XXXX debit card, which I did. I explained, once again that I could not access a " bank statement '' only a Transaction Summary. I was told that the submission would be forwarded to a supervisor for review and to call back in several days. I called today and was told that the Transaction Summaries were not acceptable and that I had to submit a bank statement. My submission is once again going to be submitted to a supervisor, because I apparently convinced him that every transaction on the debit card was recorded by date and amount on the Transaction Summary.
I inquired as to why, after almost 3 months of submitting Transaction Summaries, I was being told, a week away from the deadline, that Transaction Summaries would not be accepted. Even if I could get a " bank statement '' I do not have time to obtain them before the XX/XX/XXXX deadline. It appears that Caliber deliberately waited until the last minute to tell me Transaction Summaries were categorically not acceptable in an attempt to have the time run out on my application which expires on XX/XX/2016 - eight days from now. Caliber had ample opportunity to advise me that they would not accept the Transaction Summaries in order to give me an opportunity to try to get them, if possible, and submit them in a timely manner.
|
| 04/24/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Caliber Home Loans ( XXXX ) refuses to process our mortgage loan, or consider any others alternatives to foreclosure sale which is pending XX/XX/XXXX. As an urgent effort to save our families primary residence we are requesting an immediate foreclosure intervention by your offices. XXXX is in direct violation to the terms of the National Mortgage Settlement ( NMS ), Making Homes Affordable Programs ( MHA ) as well as recently enacted articles of the Consumer Financial Protection Bureau ( CFPB ). Our family has recovered financially from multiple job separations and other setbacks. All of the negative obstacles which once plagued our family 's lives are finally past us. We are simply seeking a fair opportunity to save our home which we have tried so diligently to keep through all of our ups and downs.
XXXX, also alleges to have mailed an offer for assistance to our home last winter, XX/XX/XXXX. However, nothing was ever received regarding any such offer to modify our mortgage, we love our home and would have accepted any opportunity to preserve that dream, and these are simply unnecessary forms of lender abuse.
Additionally we have received notices from XXXX, which have raised alarming questions regarding the ownership rights, as well as XXXX possessing the legal ability to initiate foreclosure of our loan XX/XX/XXXX. XXXX, has given no intelligible response as to the questions we have surrounding the letters which we have attached for your office to review. In fact, we have served XXXX with a Qualified Written Request ( QWR ) in order to force validation of the debt and chain of title and they have failed to respond. As Primary investor, XXXX or whomever claims to be is required to have necessary sales affidavits, the Alonge to the Note as well as complete accounting of our loan immediately after transfers to a new servicer or investor. We feel that our escrow may have been padded during this latest transition as well as XXXX, has countless viable consumer complaints currently pending from homeowners reflecting on their own personal types of unfair and abusive treatment. XXXX, is in violation of improper validation of a mortgage debt following written consumer request, as well failure to record changes here at XXXX County Records additionally failing at their Custodial obligation of Duties under RESPA Regulation Z.
( See Exhibit A ) XXXX, enforcing there will upon our family surrounding such heinous violations to the Federal housing laws and regulations is a true tragedy. We feel that XXXX, has failed at their ability to conduct their servicing obligations which is transparent nor fair and lacks integrity. As such we implore your office to intervene in our pending sale date as well as open and inquiry within the XXXX organization for wrong doing on multiple levels. We ask that we be allowed to process our loan for loss mitigation review alternatives to foreclosure ; rather than being forced into emergency bankruptcy.
Thank you in advance for your prompt response to our urgent matter and approaching sale date pending XX/XX/XXXX.
|
| 01/31/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
We received a letter from our mortgage lender, Caliber Home Loans, posted XX/XX/2022 in regards to our request for assistance. The letter was as arranged repayment agreement made between Caliber and my husband and I to bring our account current since we were unable to make payments for two months due to income reduction. The letter stated " The total Arrearage Amount due as of XX/XX/2022 is {$1000.00} ... the specific conditions of the agreement are as follows : XXXX. The first payment in the amount of {$920.00} shall be remitted ... on or before XX/XX/2022 XXXX. A subsequest repayment plan monthly payment is due on XX/XX/2022, in the amount of {$1300.00}...
XXXX. Your scheduled repayment plan monthly payment is comprised of your current monthly payment of {$920.00}, and the supplemental montly payment in the amount of {$440.00}.
XXXX. The scheduled repayment plan monthly payment shall remain at {$1300.00} effective XX/XX/2022 and will end on XX/XX/2022 ... '' Upon agreement, we made these three consecutive payments, one in a slightly larger amount of {$1100.00} on XX/XX/XXXX, one for the XXXX on XX/XX/XXXX and finally the last payment of XXXX on XX/XX/XXXX. During this process we continued to receive statements showing that we were behind on our payments and I was assured that we were on target, that sometimes the computer system does not recognize the updated payments during a repayment plan. I called multiple times during these months to make sure my payment had been received and that starting in XXXX our monthly payments moving forward would be {$860.00}. By the end of XXXX when I paid my payment of {$860.00}, I was still getting calls that we were 30 days past due on our account. On XX/XX/XXXX, our loan officailly transferred to XXXX XXXX after being aquired by XXXX. Since then, I have been on the phone a number of hours with XXXX trying to get answers on why we continue to be in default on our mortgage. If anyone could listen in on the recorded calls I've had regarding the situation, he or she would realize just how many " answers '' I got from Caliber and XXXX members that led down one rabbit hole after another. FINALLY, after my conversation this week ( Januarly XXXX ) with a XXXX loss mitigation associate, I believe I received the answer to the problem, which brings me to filing this complaint.
Upon looking at the arranged repayment plan, the associate easily discovered that Caliber miscalculated the amounts of the payments required for the months of XXXX through XXXX that would have brought our account current by the said date, XX/XX/XXXX. As stated above, this miscalculation of required payments has caused our account to be over 30 days past due for over half a year and has been a hard hit on my husbands credit score. This associate I talked with said there's nothing XXXX can do at this point since Caliber is no longer our mortgage lender.
According to the repayment plan, we met ALL regulations stated in the agreement and Caliber is at fault for the discrepancy in calculating the amounts that were due.
|
| 06/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I would like to file a complaint with Caliber Home Loans for fraudulently submitting a refinance application on my behalf that I did not request or authorize. I attempted to resolve this with Caliber directly, however when I called to escalate my concerns to a manager they lied and told me that no loan application existed in my name.
On XX/XX/2021 I contacted a local loan officer to request a refinance quote for my home. She told me that she would have to run my credit in order to provide that quote, which is absolutely fine and standard. Within 12 hours, I received an unsolicited phone call from my current lender, Caliber Home Loans. The representative 's name was XXXX XXXX, he told me that their company saw that my credit was pulled and he was reaching out to see if I needed any assistance in refinancing my home. I thought that was extremely invasive, but I said yes to the quote. I was thinking about refinancing and figured that getting more than one quote would be advantageous. I spoke to XXXX a few times on XX/XX/XXXX about the refinance, but I ultimately decided not to go forward with it. I told XXXX that I was no longer interested. However, he continued to call me multiple times a day over the next 2 weeks. I never answered those calls, and never spoke to XXXX again. The calls have continued to occur daily.
On XX/XX/2021 I received a text message at XXXX XXXX that stated " The loan application for *my address* has been received by Caliber Home Loans. Contact XXXX if you have any questions. '' Since I did not submit a loan, I assumed the message was spam and ignored it. My husband and co-signer received the same text message, despite him never speaking to any one regarding a refinance. An hour later at XXXX XXXX I received an email from Caliber Home Loans with even more information. This email was again thanking me for submitting a loan, and provided a loan number along with my full address and both co-signer 's names. The representative 's name on the email was XXXX XXXX, someone I had never spoken to before. I immediately called Caliber Home Loans and asked to speak to a manager at XXXX.
The manager only identified himself as " Mr. XXXX '', no first name. When I explained my concern and told him about the communications that I received, he told me that there was no loan/refinance in my name being processed. He explained it away as a " system glitch '', and reasoned that XXXX XXXX must have pulled up my file to run another quote to get me the most " up to date '' offer. At this point, I had not answered calls from their company in over a month since I told the previous representative I was not interested in buying their product. I told him there would be no reason for him to give me another offer, and that I want him to completely cancel any open refinance file for me as I never authorized any of this. Mr. XXXX assured me that any open file would be cancelled, and that he would send me a letter confirming that in writing within 1-2 weeks. He also said the phone calls would stop going forward.
|
| 03/27/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have a problem with the holder of my FHA mortgage loan, Caliber Home Loans. I have been trying for over one year to get a review conducted of my financial information and have been passed from one person to another without a review ever happening. Now they have set a foreclosure sale date for XX/XX/XXXX. I can afford my mortgage payment, but had a problem in the past where I missed some mortgage payments. I have been trying to get this straightened out and even tried to resume making payments but Caliber will not take these payments. They tell me that I have to pay all the missed payments as well as late fees and Attorney fees all at one time. If I ca n't do that, then the only option is loan modification. But that has been stuck because of the bad customer service at Caliber.
I am gainfully employed and have worked as an XXXX for nearly 20 years. I occupy this home along with my daughter and her family. In addition to this income we now also receive XXXX as well. My daughter and I decided to purchase this property in XX/XX/XXXX, with the plan being that her family would move in and be helping out with all payments and bills. Unfortunately, the mortgage was only put into my name. I was struggling to keep up while waiting for my daughter to move in and help out. Eventually she did move in, but by that time I had already defaulted on the payment. I began reaching out to see what options may be available to fix this problem, and was provided with paperwork for a loan modification. I completed the paperwork and sent it back to Caliber but was told I did not fill it out properly. I began going back and forth with their agents trying to get them the information needed to conduct a review. During this process my dedicated contact was constantly rotating and it was hard to know where I was at in the process.
I tried to resume making my monthly payment but was told that Caliber would not accept my payment. I had to pay the entire past due amount all at once or get a loan modification. Since I could not afford to pay the full past due amount I had to keep trying to work with their loss mitigation department, but was never able to get through the process to a review. This was extremely frustrating, and now I find myself in foreclosure with an auction date coming up.
I know that if Caliber were to review my current financial information that I would qualify for assistance -- loan modification or partial claim for FHA loans or some type of forbearance agreement or repayment plan. I also heard that you can put the late payments back into the balance of the loan. Any of these options would help me, and I know that based on the current household income that I qualify. However, I have gone through a one year process of runaround with the Caliber team and I think this is wrong. Additionally, Caliber set a foreclosure auction date without providing any of the required Occupied Conveyance paperwork. I believe that Caliber is not following the guidelines for FHA loans and I believe I am being treated unfairly.
|
| 01/20/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
My problem began when I was steered and pushed into a negative amortization loan. The problems continued as my mortgage payment and balance increased over the years, eventually going up nearly {$700.00} a month. This coupled with recently having to go on full time XXXX and a mortgage lender Caliber Home Loans that seems to not care or respond to my requests for help has me facing foreclosure. There are XXXX of us living here, including my special needs daughter and losing our home would be devastating. We are contacting you to see if we can get any assistance with our situation and try and get Caliber to engage with us.
When I purchased my home I had solid employment for many years as a locomotive engineer and had a solid credit profile. However, for some reason I was steered into this predatory negative amortization loan that I did not fully understand to buy the house. Despite the fact that my payments and even my balance continued to increase incrementally, I was able to pay as agreed for many years. Due to the huge increase in monthly payments as well as health issues and caring for my XXXX daughter I began struggling a few years ago and applied for a modification with Caliber and after a long review was approved, although the new payment was higher than what I had been paying. Not long after that things took a turn for the worse when my doctor told me that my XXXX was so bad that I could no longer work and had to go onto XXXX. This resulted in a loss of about {$5000.00} a month in income. I am receiving benefits, and my wife is working full time as well, but there is no way we can afford the modified payment that Caliber offered us.
I began reaching out to Caliber to explain the situation and to inform of the drastic change in financial circumstances. I was told that there were programs available for us and that we just needed to apply and send in the paperwork. Well I have done this on numerous occasions and have made no progress and do n't really know where I stand. The problem began because I was pushed into a predatory toxic loan that was destined to fail by XXXX. After the loan was transferred multiple times, it ended up with Caliber. I am sure that they obtained this loan for a significant discount, because they knew it was destined to fail.
I have worked hard my entire life, and this home is all I have. I do not want to fail because I was steered into this predatory loan, and then became XXXX. I want Caliber to work with me to resolve this problem. I know that there are government and in house programs available for struggling homeowners like myself. Why wo n't Caliber give me access to these programs? Instead they are rushing to foreclose on my home so that they can increase their bottom line and put me out on the street. I know that Caliber has government and in house programs available for homeowners such as me. Why are they not allowing me the opportunity to have a review completed for options based on my current and correct financial status? I do not want to lose my home!
|
| 02/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I was in an APPROVED Forbearance plan with Caliber Home loans on XXXX Was told no forbearance non payments would be reported to the Credit Reporting bureaus during the time of forbearance.
I was current on my mortgage payments before the forbearance began during the pandemic.
When the forbearance ended on XXXX I was informed via mail that I was approved to have the forbearance amount go to the back of the mortgage loan.
I was told via letter by Caliber that to bring my mortgage current, I must begin resuming normal payments on XXXX in order for the forbearance amount to be put at the back of the loan.
I agreed.
There was an increase in the monthly amount beginning XXXX.
On XXXX my spouse called in to make the FULL Increased amount WITH PAYMENT VERIFICATION to bring the mortgage current and have the forbearance amount put at the back of the loan as Caliber advised me.
Caliber then proceeded with out my knowledge to put the full payment made on XXXX to the XXXX. XXXX forbearance amount and then reported me to the 3 credit reporting as NOT paying my mortgage during the forbearance period and did NOT pay my regular payment for XX/XX/2022.
What followed immediately was a total nightmare for my family.!
My credit/fico score cratered from an XXXX to a XXXX within 24 hours.!
XXXX XXXX XXXX XXXX XXXX was immediately closed down by the issuer advising me because of serious delinquency and derogatory public records they could not continue to do business with me.!!
I am now being mailed statements requiring me to pay back the FULL forbearance amount and threatened with foreclosure of my residence.!!
At this point I am beyond shocked and overwhelmed!
Caliber ruined my credit, accepted my payment, and did not put it towards my current mortgage payment as they advised they would to bring the mortgage up to date.!
They now demand that I pay back the forbearance amount and notified me of foreclosure on my home.
I was locked out of my account even though I was told access would be restored when I made the first monthly payment.
To date I am barred from accessing my mortgage account.
My account has been turned over to Caliber 's loss mitigation.
My spouse has called several times to date, each time waiting on the phone for over an hour.
Each time its the same cold rhetoric, their systems have to be updated, and will not take responsibility for what they did.!!
If their systems had to be " updated, '' according to XXXX in loss mitigation XXXX, on XXXX, why did Caliber report me before that update was made??
Why would they take the mortgage payment and put it as part of the forbearance repayment, and not advise me at the time of payment??
Not a thought for how they ruined me financially!
In the mean time as Caliber systems are waiting to be " updated '', they reported me to the 3 credit bureaus and decimated my credit.!!
My XXXX XXXX XXXX credit card has been shut down and others will follow!
I now face foreclosure on my home for doing exactly what was asked of me.!
|
| 12/31/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Caliber has failed to pay required property taxes to XXXX XXXX florida. Property taxes were due XX/XX/2022. The loan documents and closing documents clearly state that both insurance and property taxes were required to be in escrow. The loan officer also clearly stated on multiple occasions that Caliber required escrow for both taxes and insurance. These documents were reviewed and signed at closing.
On XX/XX/2022 I called and spoke to Caliber 's Tax Department to guarantee the tax payment would be made by the due date of XX/XX/2022. Representative confirmed that the payment would be sent. The automated recording system also states that caliber was aware of the property tax payment and would send a check before XX/XX/2022.
Taxes were never paid prior to XX/XX/2022 and penalities were assessed on the tax amount. Because of this, I placed another call to caliber on XX/XX/2022, I called the tax department after the taxes had not been paid. The representative informed me that she saw the taxes were not set up to be in escrow in their system and transferred me to Customer Service to fix the escrow. Customer Service submitted a ticket to fix the escrow. Caliber representative stated that there was an issue with escrow shortage and that they would pay the prior year property taxes and it would be assessed over the next 12 months along with fixing the escrow amount so that the correct amount was placed into escrow.
On XX/XX/2022, I called back to get an update. I was told they had to mail documents to set up a new escrow. I informed them that the escrow should have already been set up per my loan/closing documents. I was transferred to the escalation team and spoke to XXXX XXXX XXXX. She confirmed the closing documents stated the taxes were to be in escrow and submitted a ticket to resolved the escrow issue. The next few days I received call backs to give me updates that the ticket had not been resolved yet. After a few days I stopped getting those updates.
On XX/XX/2022 I called back and was told the ticket had been closed- denied. The representative told me we needed to talk to the Escrow team manager but he was on a call. They guaranteed me I would get a call back same day but never received a call back.
Taxes were again due on XX/XX/2022 otherwise additional penalties would be assessed on the amount.
This issue has been ongoing for two months now and each month that passes more penalties are attached to my taxes.
Per caliber 's terms and conditions, any escrow shortage would be paid by the bank and would be assessed on the next 12 payments. The loan and closing documents state that both property taxes and insurance were to be placed into escrow. Every payment to caliber was on time and for the amount due. I should not be liable for additional penalties assessed on the property taxes. Caliber needs to pay the prior property taxes they failed to pay in a timely manner and assess those onto the next 12 loan payments minus any additional penalties.
|
| 02/22/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Since my loan was transferred I have been making every effort with Caliber to help me apply for disaster assistance, I was impacted by the Woosley Fires, and my area was declared to be in National Disaster are in XX/XX/XXXX. Caliber told me that because they did not have the disaster assistance application I could no longer apply for it. I submitted the application to the previous servicer, but my loan was transferred while in review. Caliber informed me that they did not have the application from XXXX and that I could not send it in, it was too late - they would have needed it from the servicer. I lost a good amount of time because caliber did not have my loan information for 1-2 weeks after the transfer, but still refused to postpone my sale date until they did have it. Luckily, the initial sale date for XX/XX/XXXX was postponed bc of the XXXX hold, not bc of Caliber. So I applied for a modification, since they would not review me for disaster assistance. I submitted all the requested documents by XX/XX/XXXX. On XX/XX/XXXX I was told that they needed me to change my profit & loss and to send in a lease extension. I submitted the documents on XX/XX/XXXX.
On XX/XX/XXXX Seterus, the previous servicer had finally sent Caliber my Disaster Assistance application.
I called XXXX on XX/XX/XXXX to advise the agent that I submitted the additional requested documents which should complete my modification application & enable me to have the sale date postponed, so that I can have my application reviewed for assistance. The response from Caliber was very concerning. I was told that they are extremely backed up and they dint know when they will be able to review the documents I submitted on XX/XX/XXXX, and that it may happen after the sale date, which he said would be unfortunate, but there is nothing he could do. Even though I submitted what I was asked to submit, they were too busy to get to it and it is actually the last day for me to submit any documents. This is not okay, I did what I was told to do and if Caliber is so backed up then they should postpone the sale date.
I called almost every hour on the final day to submit documents, XX/XX/XXXX and my submitted documents, via email ( the fastest method ), were still not uploaded. There wad no one available to help me, I tried to escalate it & I was told that even if I submitted all my paperwork on time, to be reviewed for a modification, that the sale would not be placed on hold or rescheduled if they had not had a chance to review. I am given the run around and no options for any help, even after doing everything I was told to do, in order to be considered for assistance. On XX/XX/XXXX I was told to wait until XXXX to have an update for me, but that is only TWO days before the SALE date and they indicated they are so busy that there is nothing they can do about that. I also requested a reinstatement amount, which I never received and how can I reinstate if I wont have an update until 2 days before a sale.
|
| 06/05/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
Lender received loss mitigation package 40 days prior to sale date, refusing to review for options.
I will not give up the fight. This little house has been in our family for over 60 years and I am going to do my best to keep it the family. I am eager to talk with the Judge about the 11.99 % interest, eager to discuss with her the lender enforced insurance charged to me month after month, year after year, eager to discuss the modification loan papers where I was told that I had to have all my paperwork in 37 days to be considered for a loan modification. Then when thepaperwork was in the 37 days, to be told this week by a Caliber employee over the telephone that it was 37 days plus another 3 to 5 days needed to consider the paperwork then 37 days to process the work. I have a letter written about a month ago from Caliber that they need 37 days to process a loan modification. Nothing was ever said about the extra 3 to 5 days for whatever, then the 37 days began. Nothing was ever said about needing 42 to 45 days for the loan modification process. This is always how it is with them. Every time I apply I am one day short, two days short or some other reason. Never do I get anywhere with them.
There is one more item I need to cover with you. About 4 years ago XXXX XXXX had a fierce hail storm and there was property damage in almost every city and town. My home here ( where I have lived for 42 years ) was damaged. XXXX XXXX XXXX XXXX issued a check for repairs and my house was repaired quickly. The XXXX property was damaged also and XXXX XXXX XXXX XXXX issued a check for {$24000.00} for repairs. The insurance company sent the check first to XXXX , asked them to sign the check and send it on to me to make the needed repairs. However, XXXX kept the check. They could not cash the check. My name was on the check and it would have been forgery for them to sign for me. So they just kept the check. No amount of urging from the insurance company could get them to get the repairs done, so they just sold the loan. The insurance company still had the funds for the repairs. A few weeks ago, XXXX had another hail storm, the roof again was damaged. There are roof leaks into the house. But, the insurance would not issue a check for those repairs since they had already issued a check to cover a new roof. I talked with XXXX XXXX XXXX about the previous damage and the check that had never been cashed to get the repairs completed from the first storm damage. First they told me they could not reissue a check that far back, then we kept talking about the first damage and the first check, and talking about it and talking about it that now they have issued the {$24000.00} check for all the repairs. Since I have done so much already, this will allow us to get new garage doors and hopefully new blown-in insulation in the attack of the house. The summers here can get to 109 degrees in the summer. This will help in the winter months also.
|
| 11/12/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Complaint, XXXX and XXXX to Caliber Home Loan, inc and servicer XXXX XXXX XXXX who conducted escrow reviews for my property All questions below are based on my research and official responses from HUDXXXX XXXX who has no records about Calibers servicing activities and responses to my FOIA requests by USPS who disclosed real identities of the mailers who used Calibers letterheads On XX/XX/XXXX my alleged Lender XXXXXXXX XXXX XXXX XXXX transferred allonge to my Note to Caliber Home Loan Caliber On XX/XX/XXXX law firm XXXXXXXX XXXX XXXXXXXX forwarded me from unidentified sources a new, undated allonge to my Note from some Loan Seller to Caliber, which appeared for the first time Please disclose full name and contact information ( full mailing address, phone, fax and email ) of the Seller for loan XXXX and the name of its individual employee who was handling this sale.
Please disclose the name of the buyer of loan XXXX, its full contact information and the name of this buyer individual employee who was responsible for purchase of my loan Please disclose the date of sale of my loan Please disclose the place of sale of my loan Please disclose the amount paid for my loan by the buyer, in XXXX XXXX XXXX Please provide me a copy of receipt for this sale such as wire transfer, cancelled check, ACH Please provide me a copy of the accounting ledger where my loan was recorded as an asset after this purchase Please provide me the place and the name of custodian for my original promissory note between XX/XX/XXXX through XX/XX/XXXX Please confirm that during all time in question, Caliber claims to be a Holder in due course for my note because Caliber paid for my Note and Mortgage On or about XX/XX/XXXX I received a letter mailed to me by XXXX XXXX XXXX XXXX XXXX informing me about transfer of servicing to Caliber Please explain who authorizedXXXX XXXX XXXX to send me this letter of servicing transfer During all time in question ( XXXX XXXX XXXX ) all my payments were collected by XXXX XXXX XXXX XXXX, XXXX from XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Please explain why XXXX XXXX collected my payments if Caliber claimed to be a servicer for my loan. Please disclose who authorized XXXX to collect my payments, and the name of an individual who authorized XXXX During all time in question my property taxes were paid by XXXX.
Please explain why XXXX paid my property taxes if Caliber claims to be a servicer. Please disclose who authorized XXXX to pay my property taxes and the name of an individual who authorized them During all time in question my escrow reviews were conducted by XXXX XXXX XXXX Please explain why XXXXXXXX XXXX XXXX conducted escrow reviews for my account if Caliber claims to be a servicer Please disclose the name of individual at Caluber who was responsible for escrow reviews and who authorized XXXX XXXX XXXX to conduct these reviews I reserve my right to request more disclosures after Caliber and XXXX respond to my XXXX
|
| 07/08/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
In XXXX I obtained a home loan from XXXX Mortgage Co. At the time I was required as a condition of the loan, to submit a FEMA Standard Flood Hazard Determination ( SFHD ). The lender engaged XXXX, a third party certification business to obtain the SFHD and it was submitted as a part of the loan package. The SFHD stated that my home was not in a flood zone and that no Federal Flood insurance was required.
In XXXX, Caliber Home Loans acquired XXXX Mortgage, and assumed my loan in the process.
In XXXX XXXX, Caliber sent me a letter indicating that my home was in a flood zone and insisted that I provide flood insurance on the property. Through numerous conversations I explained that I had certification to the contrary and provided them with a copy the SFHD that I obtained through a senior loans officer at Caliber. Caliber continued to insist that I was in a flood zone and produced a copy of a SFHD that they purportedlyreceived with no preparers information ( as contained in the SFHD that was submitted with the original loan ).
I continued to try and work with them to resolve the problem, but refused to purchase flood insurance as they were requiring. I supplied them with maps substantiating my position as well as copies of all SFHD information in my possession. I also submitted copies of the FEMA map certification showing that no updates or map revisions had been made since XXXX.
Finally I spoke with a Caliber Insurance supervisor, XXXX XXXX XXXX, who told me that if I applied for and obtained a Letter Of Map Amendment XXXX LOMO XXXX from FEMA that showed that my property was not located in a flood zone, that Caliber would reverse all the insurance charges they had placed on my account. In XXXX, I received that LOMO at a cost of {$800.00}, and Caliber sent me a letter indicating that no flood insurance would be required in the future, however they refused to remove the insurance fees charged to my account from XXXX XXXX through XXXX XXXX.
In addition, I have asked to speak with XXXX XXXX XXXX of their office to clear up the situation and they have not made her available to speak with me.
I am very frustrated and feel that Caliber is not acting in good faith on this issue. Despite the fact that the paper trail shows clearly that they were in error to apply the flood insurance requirement, FEMA 's own regulations state that : " Whenever an institution makes, increases, extends, or renews any commercial loan secured by improved real estate or by a manufactured /mobile home, it must determine whether the building or mobile home offered as security is or will be located in an SFHA and complete the Standard Flood Hazard Determination form ( SFHD ) ... XXXX Caliber assumed this loan which is not covered in the FEMA requirement. All requirements for SFHD were complied with at the time the loan was processed. No amendments to the map were made after the loan and Caliber used a SFHD form in XXXX with no preparers certification.
|
| 01/17/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
I was falling behind in my mortgage payment, I received a letter from Caliber Home Loans offering financial compensation for a Deed in Lieu Foreclosure in XX/XX/XXXX. I was hesitant at first because I did not want to lose my home. I received another offer from Caliber for less money that the first one and after reviewing my options, I accepted their second offer ( for less money ) in XX/XX/XXXX. I was told I had until XX/XX/XXXX to leave the property and hand over the keys to a local representative. They offered me an extra week if I needed to to turn in the keys, which I accepted. It was n't until I handed the keys over on XX/XX/XXXX that they told me that they would now have to " investigate '' my personal finances to see if I had other properties and I would have to wait 4-6 weeks. This information was not told to me at the beginning of the process but what could I do, the keys were already turned in. I would call Caliber at least once every week to check on status of the process with little results or information. On XX/XX/XXXX I received a letter form Caliber Home Loans stating that my application was being held up because records showed there was a junior lien on the home by the state of Arizona. After talking to the state tax department, they assured my that there was not a lien on the home. They did tell me that there was at one time a lien on the home for tax purposes back in XX/XX/XXXX but the lien was released once the back taxes were paid in full. According to the letter I recieved from Caliber, I had 30 days from the date of the letter ( XX/XX/XXXX ) to respond and clarify the problem holding up the process. On XX/XX/XXXX, I faxed the necessary paper work from the county recorders office stating that the lien was released in XX/XX/XXXX over to Caliber. Upon faxing the lien release, I called Caliber to verify that the fax was received, I was told that it was and that a manager would call me later that day. There was not any call from anyone from Caliber that day so I called back on XX/XX/XXXX and spoke with the manager about my matter. According to the manager, my application was to be denied even with the lien release being submitted to them way before the 30 days due to the fact that the property foreclosure date was scheduled to be the following Wednesday ( XX/XX/XXXX ). I feel that I did everything asked of me and followed all their directions in a timely manner and before the foreclosure date. There are multiple phone calls that were initiated by myself to see if there was anything that can be done on my side to try to avoid something like this. One of the representatives even advised me to get back the keys and try to negotiate a cash for keys instead of a Deed in Lieu. I feel I was just given the run a round this whole time and I let the manager know. I was told to by the manager to write an email to her boss to see if there is anything that they could do. I have lost faith in the system.
|
| 12/09/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
This my second complaint concerning Caliber Home Loans. Hopefully this complaint is premature, but I am sending it anyway.
Briefly, I submitted a Loan Modification Application in XXXX, XXXX. Due to delayed written correspondence, the need to repeatedly re-submit previous documentation or submit updated/new documentation, and conflicting instructions and info, I had to file a new loan modification application on XXXX XXXX, XXXX, reciept of which which was verified by XXXX # XXXX. He indicated I would have a decision on XXXX XXXX, XXXX. My last conversation with Caliber occurred on XXXX XXXX, XXXX, when I spoke to XXXX, # XXXX. She indicated that no more documents were necessary and that I would have a decision on my new application on XXXX XXXX, XXXX. At to time has anyone indicated that the decision date of XXXX XXXX, XXXX was tentative.
Today I call Caliber at approximately XXXX and spoke to XXXX XXXX? XXXX # XXXX, who advised that the application was still " in process '' and that there might be a decision today or a " it might take a little longer ''. I asked how much longer and he did not know. He said that that my application was received on XXXX XXXX, and that it usually takes XXXX weeks for a decision. I explained that no, I had been informed that my package was received on XXXX XXXX, XXXX ( it was submitted via email and I have a verification of receipt ). XXXX said he did not see that noted on my file, and offered no explanation of the discrepancy. He also stated that a decision might take longer because we are in bankruptcy. No one has indicated this to me in the past.
We have lived here since XXXX, and want to continue to do so. It is our HOME. But due to my husband XXXX, our income has been reduced drastically for the last XXXX4 years and it is very difficult to make our mortgage payments in a timely manner. We filed Chapt. XXXX bankruptcy, trying to keep our home. We desperately need help, and thus my applying for a mortgage modification.
My experience with Caliber has been the most frustrating experience in my life. Applicants can not speak to the underwriters directly. All information must be obtain through a Single Point of Contact ( SPOC ) person, who changes from call to call. Information is provided by them, then changes with no explanation, just excuses, if the discrepancy/change is even acknowledged by the SPOC. Correspondence from Caliber is still taking XXXXXXXX days from the date of the correspondence to the date it is received.
I have diligently tried to correctly, and in a timely manner, do as Caliber has asked. In exchange, I have been given at the very least, misleading information time after time, and Caliber has not done as they said they would do.
Due to our bankruptcy, foreclosure is not imminent, but once the bankruptcy is discharged, it is a very good possibility, if Caliber is unwilling to approve my application for modification.
( Initial case CFPB case no : XXXX )
|
| 05/05/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
The mortgage in question began on or about XXXX the XXXX, XXXX. I wondered how I was approved for the loan from XXXX with my credit the way it was and my debt to income ratio ; and they told me my wife at that time did not have to sign the note. Bad decision. Went to XXXX XXXX/XXXX/XXXX to what I might could do to stay in my home. Had to apply for a modification, after that had to file bankruptcy ( chapter XXXX ). I was discharged XXXX XXXX, XXXX. There was a class action lawsuit against XXXX during this time that I never could get the true facts of who and what it included. I basically heard nothing from XXXX after the bankruptcy except for a monthly statement that was as stated on it ( for informational purposes only ). But did not receive this statement every month. This went on for about three years. Next thing I know I receive a letter from Caliber Home Loans on XXXX XXXX, XXXX that stated that the prior owner had sold the loan to XXXX Master Participation Trust on XXXX XXXX, XXXX. Not long after that, well about 3 months I received a mortgage statement dated XXXX/XXXX/XXXX from Caliber Home Loans saying amount due {$70000.00}. Of course I was floored. Wow. So I started wondering what to do since work had been bad and basically my only source of income had been unemployment.. Found a job not long afterwards but not enough income to afford the payments without a major adjustment to something concerning the mortgage. Went back to housing Counseling on XXXX/XXXX/XXXX to look at options to prevent foreclosure and stay in my home. On XXXX/XXXX/XXXX sent a Qualified Written Request Letter to Caliber Homes Loans. I received a response letter back on XXXX/XXXX/XXXX, some requested information was answered other requested information was tagged as ''PROPRIETARY INFORMATION ''. I sent back a response letter on XXXX XXXX, XXXX requesting any and all options for LOSS MITIGATIONS that might be available to me. To date I have received a response from Caliber Home Loans, but no answer to the Loss Mitigations Question. I also sent a letter of REQUEST FOR INFORMATION on XXXX XXXX, XXXX. The last letter that has been sent to Caliber Homes Loans c/o XXXX XXXX was sent on XXXX XXXX, XXXX also requesting again Loss Mitigations options available to me and Documents of Legal Transfer of Property from Household Finance. Have not received a response to date except for the 5-day acknowledgement letter. However on XXXX XXXX, XXXX went to my foreclosure hearing in XXXX County North Carolina and the XXXX XXXX XXXX granted the foreclosure sale to be XXXX XXXX, XXXX. I am now in the process of trying to appeal the decision because I found in the paperwork given to me at the hearing that XXXX XXXX XXXX XXXX, XXXX changed the SUBSTITUTION of TRUSTEE to XXXX XXXX XXXX, XXXX XXXX days before the Court Date. Is that legal in North Carolina? Or is it legal to have XXXX substitution of trustees on the same Deed of Trust?
|
| 05/15/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
For years, I have submitted my payments electronically. I am a retired XXXX with a XXXX XXXX . I use the grace period always since our mortgage is my largest monthly bill. When I have the funds available I submit my payment through the payment portal electronically. This usually falls near the end of the grace period per Regulation Z and I always keep excellent records of the submission dates, etc. regardless of what the vendors information says, I keep my own records. And for years, when the payment falls over a weekend or heaven forbid a holiday as well, I have to fight with the mortgage company to get them to reverse the system generated late fees because their systems are set to use their POSTING date as the submission date which is a flagrant violation of the grace period rules of Regulation Z. This is all well documented but I suspect the companies I have dealt with over the years do this little shuffle with intent. It amounts to another source of revenue and a numbers game for them. Not all consumers are going to understand the Regulation Z law and not all will have the knowledge to challenge their late fee char ges. I do.
That is why I am asking for some assistance. I have filed a RESPA letter with Caliber Home Loans. Right now, they are scrambling to fix their errors but I know this is only because I have caught them at this activity with solid proof. What happens to those who do not have the knowledge or the understanding to stop this activity? The lenders I have had to challenge over the years are XXXX XXXX XXXX , XXXX , and now Caliber Home Loans. It appears this may be an industry wide problem and I am ti red of dancing with them. As a XXXX , I know they can have this date of submission in the logic loop to see if the grace period is in play. Yet, they do not do this and I have clearly pointed this FLAW out to every lender I had this problem with. I truly think it is time to make this an issue with the industry. Their systems can and should be compliant with Regulation Z in all ways. They are not and their programming is therefore supporting a type of fraud these vendors have been perpetrating for decades. Can you do anything about this or must I hunt further fo r some assistance here for myself as well as other consumers who have been illegally charged late fees when their submission date fell within the grace period? As a retired XXXX and a XXXX , I can not understand why the systems are not properly tested by the regulators to assure this sort of fraud can not occur and I am truly wondering what if anything will happen to the lenders who are playing this game. I trust someone from this agency will be interested in this brand of consumer fraud or at least direct me to someone who might be interested in schooling this industry on the compliance laws of the regulations particularly those of Regulation Z and the grace period.
|
| 02/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
Mortgage info : Payment due XXXX of month, delinquent XXXX of month.
XX/XX/XXXX First payment due to Caliber Home Loans. I set up XXXX with a money market XX/XX/XXXX scheduled XXXX engaged.
XX/XX/XXXX XXXX was reversed unbeknown to me.
XX/XX/XXXX I received notice the XXXX failed. Apparently the money market account is a checking not a savings account. I called XXXX customer service. After XXXX minutes on hold XXXX told me to make the correction ( change bank account type to checking ) online. He said they had a new system and he couldn't help me on the phone. However, I was unable to make any changes to XXXX online because the date was too close to the transfer date ( XX/XX/XXXX ) and a notice told me to call a representative!
XX/XX/XXXX I made a phone payment ( conf # XXXX ) to cover the XXXX autopay failure.
XX/XX/XXXX XXXX I called Caliber and confirmed the XXXX payment had been successfully applied. I was able to change the money market account type to checking online.
XX/XX/XXXX XXXX Called Caliber again to make sure the autopay would work. XXXX told me the bank information on file was correct and should work fine. She said she would email me verification and call discussion. I also requested a waiver of the {$50.00} fee since I was trying desperately to correct this issue and make my payments. She indicated she would try to waive the fees. I never received the email of our call discussion or verification.
XX/XX/XXXX XXXX scheduled autopay attempted. I checked my account daily.
XX/XX/XXXX Seeing no deduction in my bank account for the payment ( payment appears successful on XXXX website ), not wanting to be delinquent, I made an online payment for XXXX payment. XXXX applied it INCORRECTLY to XXXX indicating my XXXX payment is past due.
XX/XX/XXXX Sent letter of explanation to Caliber. No response. Receiving default letters.
XX/XX/XXXX XXXX rejected. More fees applied. Credit dinged on XXXX. More default letters arriving from collection agency. Caliber removed autopay option.
XX/XX/XXXX XXXX, not seeing a deduction on my bank account, made an online payment for XXXX. Caliber INCORRECTLY applied to XXXX. Still indicating my XXXX payment is past due. I sent a XXXX XXXX of explanation which they received XX/XX/XXXX. I have had no response from Caliber.
XX/XX/XXXX On hold for XXXX minutes. XXXX listened and worked through my payment and misapplication dates.She stated they would be allocated correctly in 3 days and my credit ding would be reversed within 7 days. Nothing has changed as of XX/XX/XXXX.
The only payment I am delinquent on ( though not from lack of trying! ) is XXXX. I have never been delinquent on any payment anywhere.
I have screen shots of their website changing my information and reverting it back later. They have turned off XXXX and back on multiple times. The information on their website regarding my account is incorrect, inaccurate and deceiving.
|
| 03/18/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have been calling trying to fix this problem since late XXXX to no avail. They didn't offer us any solutions, was kept on hold for hours sometimes all day only to talk to a different person who had no idea and usually where very unprofessional and rude. No one told us we could ask for assistance under the cares act or that we had options they just sent back a payment to XXXX XXXX who is not on the loan nor is she an authorized user. They sent that payment to XXXX my estranged husband in XXXX yet claim they do not believe he isn't at the home address which is in XXXX ( he never lived here ) They finally agreed to ask for a modification package after I requested assistance under the cares act for over a month. They should have put a hold on the foreclosure at that point but didn't XXXX continued to dual track and still are. They have requested more than 200 documents that we have paid for software to send and ultimately paid to fax in because after 5 times of email specialized pdf files they claim there are still documents missing or in the wrong format. XXXX would expect that if a document is missing or in the wrong format that someone would contact you to let you know. They did not! I have called in almost daily while working a full time job and raising boys this company has been so difficult and unforthcoming withholding information that we didn't even find out about the foreclosure until a notice of default was posted on our door! They asked for the title deed that has my name on it saying they would do a successor in interest, they then claim they can not do that because XXXX ad I aren't legally divorced. Fine so now they have asked for our marriage license and a hand written document adding, me to the interest in the property which I already had in the form of the title deed! They asked for that document in XXXX, which we provided in multiple formats they then said that they would not put the foreclosure on hold until after the underwriter review ( dual tracking ) this is now 3 times we have been told they will find all of the programs we qualify for and will do 1 of them as it is a law under the cares act and yet there is no hold on the foreclosure the underwriters are still not reviewing anything they are still dual tracking and are trying to auction off our home that we have been trying unsuccessfully to make a payment on because they won't take a payment of any kind they have blocked access to the website and app. they have no answers and apparently none of the call center workers understand the law, or the cares act or the updated cares act passed in XXXX as they have all told me I am wrong and that I do not have any rights or knowledge about the cares act, however the attorney we are attempting to hire seems to think I do know what I am asking for. by the time he can get it into court however they will have taken our home in the middle of the XXXX in Alaska at that
|
| 01/31/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
The basis of my complaint are concerns around the Mortgage Servicing Transfer process by XXXX and Caliber Home Loans. As a result of their actions noted below, they have failed to protect my rights under key foreclosure protections.
On XX/XX/XXXX, I submitted a completed loss mitigation application to XXXX. On XX/XX/XXXX, I received an electronic notification from XXXX confirming the package was received. My completed application was received by XXXX more than 37 days before a foreclosure sale, and XXXX failed to inform me that I was not eligible for any loss mitigation option.
Instead, during the pending status of my completed modification application, XXXX sold my loan as of XX/XX/XXXX to XXXX Master Participation Trust and subsequently sold the servicing rights to Caliber Home Loans as of XX/XX/XXXX. The following outlines the timeline of events and notices from XXXX, XXXX and XXXX XXXX ( Notices from XXXX and Caliber are attached ) : XXXX XXXX, XXXX, notice states the servicing of my mortgage was sold to XXXX as of XXXX XXXX, XXXX. This notice does not meet the content requirements under RESPA. The notice does not include the new servicer address nor the Federal disclosure regarding late payment protections.
XX/XX/XXXX, I contacted XXXX to request a status of my loan modification application. XXXX informed me my application was complete and in " Underwriting '' and was also informed my loan has been sold. XXXX provided me with the contact information for the new servicer.
I contacted Caliber and was informed by the Rep that they were waiting on loan modification documents from XXXX. I was confused by this since I did submit a completed application prior to the servicing transfer date. They stated my application was incomplete because they did not receive income documentation. I submitted Income documentation to XXXX with the original application to XXXX on XX/XX/XXXX.
XX/XX/XXXX, notice from XXXX XXXX states that my property would be sold on XX/XX/XXXX.
XX/XX/XXXX, notice from Caliber requesting I provide a complete package by XX/XX/XXXX. Caliber failed to allow 30 days to provide the package.
As I understand the rules, a mortgage servicer can not start the foreclosure process if a completed loss mitigation application is pending. I believe this to be considered " Dual Tracking '' and constitutes a RESPA violation under the Mortgage Servicing Rules.
In accordance with the Mortgage Servicing Rules, Caliber had a duty to send an acknowledgment notice to me within 10 business days of the transfer date. And, Caliber should have evaluated my application within 30 days of the transfer date, in in both cases, timing requirements were not met.
In addition, XXXX received a timely complete application, and XXXX XXXX should not have moved for a foreclosure judgment or order of sale, or conduct a foreclosure sale, even if a third party conducts the sale proceedings.
|
| 08/14/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have been fighting, at my own expense, mortgage servicing fraud since XX/XX/XXXX after obtaining a high interest only loan from XXXX XXXX in XX/XX/XXXX.
Because the home was severely underwater I was not able to refinance and was told I could not apply for a modification because I was in XXXX XXXX bankruptcy. Eventually I was approved for a XXXX XXXX Streamline Modification and made the three trial payments. I was sent a Modification Contract that included approximately {$28000.00} for escrow not owed and for interest payments that had not been credited. The servicers, XXXX then XXXX XXXX would not voluntarily correct the errors and I spent about two years fighting them in the Bankruptcy Court. They could not explain how my escrow could be XXXX due in XXXX XXXX but I owed {$14000.00} in XXXX XXXX after they paid {$1600.00} tax in XXXX XXXX. They more than doubled my monthly payment and would not voluntarily correct it and would not let me proceed with the XXXX XXXX Streamline Modification because I would not sign it with the errors in it that would have illegally obligated me for an extra {$28000.00} not owed.
After my bankruptcy was completed I applied for a HAMP Modification with the newest servicer, Caliber Home loans. I was assisted by XXXX XXXX XXXX, a HUD authorized Housing Counselor. XXXX XXXX XXXX assisted in filing all the necessary forms and afterwards we would receive a letter from Caliber each month asking for a completed application, tax request form, and most recent income verification. XXXX XXXX XXXX repeatedly submitted the requested documents and asked me for new profit and loss statements each month to accommodate Caliber 's monthly requests. Although all of the requested documents had been sent and resent I received certified mail on Saturday, XX/XX/XXXX from Caliber 's attorneys, XXXX and XXXX ; giving me 10 days notice of a Trustee Sale. I contacted XXXX XXXX at XXXX XXXX XXXX on Monday, XX/XX/XXXX and she contacted XXXX and was told that since all of the required documents were not submitted 25 days prior to the scheduled sale date, even though they had been, Caliber could not and would not stop the sale. XXXX XXXX told me that it was an underhanded and unreasonable action and that the 10 day notice does not meet the 30 day notice required by the Virginia Code. She suggested that I file a complaint with the CFPB and contact an attorney to file for Chapter XXXX Bankruptcy Protection. At that time I was being treated at The XXXX XXXX XXXX XXXX XXXX Hospital in XXXX, VA and I had to interrupt and postpone my treatment to return home, find and retain counsel to file an emergency petition to save my family home. On Monday XXXX XXXX, XXXX, I received four identical letters from Caliber, dated XXXX XXXX ; thanking me for sending the additional documents and advising me they still needed additional documents to proceed with the modification review.
|
| 12/01/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
RE : RESPA QWR QiualifiedIn order to conduct the audit and review of my account, the following answers to questions concerning the servicing and accounting of my mortgage account are needed. Accordingly, please provide me, in writing, detailed answers to the questions listed below.
Written Response.
15 ) Has interest been charged on any attorney fees assessed to this account? Yes or no?
16 ) Please send copies of all invoices and detailed billing statements from any law firm or attorney that has billed such fees that have been assessed or collected from this account from the inception to the present date.
17 ) Has there been any suspense or unapplied transaction on this account from the inception of this account until the present date? Yes or no?
18 ) Please detail each and every suspense or unapplied transaction, including debits and credits of that have occurred on this account from the inception of this account to the present date.
19 ) Please provide the name and address of each company in person who conducted each property inspection on this property.
20 ) Please tell me why property inspections were conducted on subject property.
21 ) Please tell me how property inspections are beneficial.
22 ) Please tell me how property inspections are protective of subject property. Please identify and writing the provision paragraph section or sentence of any note mortgage deed of trust or any green meant I signed that authorize the assessment or collection of property inspection fees. Have you labeled in any record your document sent to me a property inspection as a miscellaneous Advance? Yes or no? If yes why?
23 ) How much in inspection fees have been assessed to this account from the inception of this account to the present date?
24 ) Please forward copies of all property inspections made on subject property in this mortgage account file.
25 ) Has any fee charge to recessed for property inspections been placed into an escrow account? Yes or no?
26 ) Have any broker price opinion 's fees been assessed to this account? Yes or no?
27 ) If yes how much in total XXXX fees have been charged to this account?
28 ) Please identify the provision paragraph section or sons of any note mortgage deed of trust or any agreement I signed that authorize the assessment charger collection of a broker price opinion fee.
29 ) Please send me copies of all broker price opinion reports that have been done on subject property.
30 ) Has any fee charged processed for a broker price opinion been placed into an escrow account? Yes or no?
Please provide me with the documents I requested and a detailed answer in writing to each my questions so that an exam and audit may be conducted in accordance with all applicable state and federal laws. Thank you for your compliance.
Sincerely, XXXX XXXX XXXX XXXX XXXX, MN XXXX : XXXX, State of Minnesota, Attorney General
|
| 05/03/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Below is one of many letters written to Caliber explaining their multiple misappropriation of funds errors : We were instructed to write a letter to your department directly by XXXX, ID # XXXX today, XXXX/XXXX/2016 regarding the misappropriation of funds handled by your cashier department. There has been a total of {$3800.00} sent in for XXXX and XXXX mortgage payment that has not been applied to our account. Today we received a breach of contract letter and notice that foreclosure was impending by the end of this month. This in turn has allowed Caliber to qualify us as " in default '' therefore sending HUD documents via mail that have been arriving at our home and past due threatening phone calls are made daily to our phone. These calls and mailings started arriving the XX/XX/XXXX. This prompted us to log into our account to see what the problem was. This is when we realized XXXX payment was not applied, subsequently, XXXX payment was not applied either. We made several calls into Caliber as well as several submissions online inquiring about what the problem was. No one ever responded to the online submissions and each rep gave us a different explanation about what the problem is. This is when we started recording the conversations. I can send them on a thumb drive so you can hear all of the opposing instructions and explanations we have been given over the past month or can be sent to an email. All of these recorded calls were emailed to the CEO 's assistant without response. We even had one rep say DO NOT make XXXX payment. That is recorded. We were told by another rep that we might have difficulty finding another lender to just refinance since Caliber has started the pre-foreclosure process already and has reported us to the credit bureau for being XXXX past due even though Caliber has record of receiving both XXXX and XXXX payments, that is recorded. We ca n't even see where the {$3800.00} to any of the fees either despite that is " probably where it 's going '' per your reps. There is no proof of this that has been provided.
We have notified you of your error via certified mail which we have proof of receipt, we have emailed our draft statements from XXXX XXXX XXXX, our bank that reflects more than the normal payment due that we have paid for several months now including XXXX and XXXX, we have submitted our proof of payment online and your own website/system reflects this. We have invested 80 hours in dealing with this. I have instructed my employer today that I will have to take off the rest of this week to file whatever paperwork I need to through the proper channels. This is having an extremely detrimental effect on our family including our minor son and it 's taking a insurmountable toll on our family and we all have had XXXX, XXXX and XXXX pain and suffering because of these ongoing Caliber misappropriation of funds errors.
Regards, XXXX XXXX XXXX
|
| 09/29/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
Brief history of problems with Mortgage CompanyIn XXXX my ex husband and I sought to refinance the original mortgage combining a second mortgage and securing enough to make significant repairs to the property. The house was not livable and my XXXX year old parents needed to be safe. My ex-husband and I applied to XXXX XXXX who had taken over the mortgage we had for the previous seventeen years.
The lender turned down the loan but within a few days they contacted my ex-husband and asked him to submit a second set of tax returns. They explained to him what he needed to do and he complied. The loan closed in XXXX of XXXX. In XXXX of XXXX my ex-husband moved out and refused to make the payments. I managed to keep the payments up and had no idea that there were any problems with the loan. The bank had been adding a late charge on the payments made in cash and directly transferred to the loan electronically. This is the system the branch manager set up for us. It was over a year before we learned about the added charges. None of the payments were late according to the stipulations in the note.
In XXXX the state of Florida granted XXXX service connected veterans a tax exemption for which my father qualified. This became the largest problem. We provided the bank with all of the proper documents in the first week of XXXX. In XXXX they were still escrowed for the taxes. In XXXX I received a check for {$700.00} approx. as a refund for the escrowed taxes. The taxes were XXXX a year so seven months would have been more than that amount. We never did receive an accounting for the funds.
Late in XXXX my ex-husband filed for bankruptcy in Federal court. This caused the demise of communication with the lender. They would not provide me with the information necessary to make the payments. Without knowing what the actual amount was I continued to pay the last known amount. During a telephone conversation with the loan processing center I learned that due to the fact the payments were not to the penny they were not posted to the loan but placed in suspense.
The last payment I tried to make they refused to take.
I sought an attorney to try and resolve this mess. This past week the judge signed an order of foreclosure against me. The day before the court date I received a loan payment statement from Caliber Home Loans. I eagerly called the number on the form to try and resolve this issue. They could not find any record of the loan by number, the property by address or my name. If I had sent them a check where would it have ended up?
In the foreclosure action they failed to notify my son who is co-owner of the property. Therefore he had no defense. And during the proceedings they amended the original mortgage to include a parcel of land never included in the original mortgage or any subsequent mortgages. It has a separate deed and tax number. Would n't this be considered theft?
|
| 06/27/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
XX/XX/XXXX From : XXXX XXXX RE : Caliber Home Loans XXXX XXXX Account # : XXXX SS ending in XXXX To whom it may concern : My husband and I are filing a complaint against Caliber Home Loans. We purchased our home in XXXX of XXXX. We have made each and every payment on time. We are now in the process of trying to refinance our mortgage and take cash out. The loan is in my husbands name, XXXX XXXX XXXX. On Stanleys credit report, Caliber is only reporting payments starting with the XX/XX/XXXX payment. There is nothing reported for XXXX, XXXX, XXXX or XXXX. This is preventing us from being able to do a refinance and take cash out. We have asked Caliber to please report these missing months, only to be advised by them that RESPA laws, in place to protect us, do not allow them to report any information for the first 60 days of the loan. Our mortgage was originally with XXXX XXXX, however, Caliber purchased our loan as of XXXX/XXXX/XXXX. Because we want cash out, we must be in our home for 12 months to do so. Although we have been in our house for the required amount of time, the credit report fails to accurately reflect that. We have asked Caliber via telephone and in writing to please update the credit report to show that all payments in the non-reported months were in fact made and made on time. Our prospective lender has requested them to do the same. To no avail. They continue to say they are not required to report those months based on RESPA laws, of which neither my husband nor I are familiar. Caliber has provided a letter to our prospective lender, verifying that we have been in our home since XX/XX/XXXX and that we have not been late nor missed any payments. I have attached the letter as supporting documentation. By not accurately reporting this information to all XXXX credit bureaus, Caliber is causing distress to us and they are also negatively affecting XXXX credit score. By having all of the months accurately reported will only help to increase the score, making the amount that we pay for the loan we are seeking less. Our prospective lender has tried to run our application through the automated XXXX XXXX and our application gets a Referral with caution and this will not allow our application to even be considered for manual underwriting. We have asked if they will include this information in the next update to the credit bureau, which according to Caliber is XX/XX/XXXX. We were advised that they would submit a request to their credit department for review and that this process can take up to 30 days. They are not willing to provide the updated information to the credit bureau, despite our repeated requests to do so. The resolution that would satisfy us is if they would immediately update XXXX credit report with the missing information for XXXX, XXXX, XX/XX/XXXXand XX/XX/XXXX payments. Very kind regards, XXXX and XXXX XXXX XX/XX/XXXX
|
| 03/26/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have lived in my home for 30 years and am in danger of losing it at auction due to the actions of my lender Caliber Loans. I have endured extraordinary hardship and have slowly rebuilt my life and situation. However, Caliber has refused to open a review of my current financial situation, has not assigned a case manager or dedicated contact and has told me the only options is to short sale or reinstate the loan in full, which is not possible. I do n't understand how they can refuse to even CONSIDER working with me or helping me or looking at my current financial situation, which has changed considerably since my last review. They received millions in bailout dollars, I thought they were supposed to look at my information and give me a chance.
I refinanced into this loan in 2007. A little over a year later when my wife turned XXXX she decided to take off and go on the road as a XXXX, abandoning me and the kids. XXXX. There were long periods of unexplained absences and several months later I had divorce papers drafted. XXXX At that time I had been taking care of the kids and making the mortgage payment since she had deserted us six months earlier. However the police came and we went to court. I could not afford an Attorney and my wife was granted XXXX as well as control of the house. I was forced to leave the house and my kids and had to move into an apartment. My employer found out about the XXXX and I lost my job as well. I eventually found a job XXXX and had to XXXX in my spare time to sell it in order to keep myself fed. I obviously was not in a position to make the mortgage payment.
During that time my wife never made the mortgage payment, and let the house, the lawn and the pool go. I started my own company doing right sizing -- I am brought in to save them money and have slowly built this up into a good income source. I fought the XXXX and was eventually able to get back into the house and was able to get wife out and divorce finalized. I tried to put my life back in order XXXX step at a time. I contacted XXXX to see what could be done and at XXXX point I was apparently offered an interest only modification. I found out about this after the fact, I did not see the paperwork until the offer had expired and I suspect that my ex wife who was still lurking around at that time had something to do with that.
I have tried since then to re-engage with Caliber and have not made any progress. My business and income have continually increased and now my son who lives in the house is working as well and contributing his share. If Caliber were to actually take the time to review me for all retention options, something they are REQUIRED to do due to their acceptance of government bailout funds they would see that I fit into guidelines for assistance. Their continued refusal to even give me a seat at the negotiating table is outrageous.
|
| 09/23/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
On XX/XX/XXXX? I completed my approved mortgage loan to Caliber Homes Loans with a credit score of XXXX for a mortgage of {$200000.00}? I was paying on time never late until the hurricane Irma hit my home on XX/XX/XXXX to report to Caliber Homes Loans of damages from hurricane Irma that I had to repair. My mortgage is a FHA mortgage and qualified under the federal law for relief during this tragedy in XXXX. I followed all their instructions called for 3 months to make sure I am able to go back on my feet since they said not to pay for XXXX, XXXX, XX/XX/XXXX. However, On XX/XX/XXXX I started paying my mortgage to Caliber Homes Loans on time and they modified my payment at a higher rate at $ XXXX/mon. However, on XX/XX/XXXX I received a letter from XXXX they are my service provider which i did not understand why. On XX/XX/XXXX I learned that XXXX is a debt collector not a bank. According to my credit report Caliber Homes Loans they closed my account on XX/XX/XXXX for a loan of {$190000.00} but in my credit they never reported my payments to the credit bureau on XX/XX/XXXX- XX/XX/XXXX then on XX/XX/XXXX-XX/XX/XXXX, then reported only XX/XX/XXXX then no reported payments from XX/XX/XXXX-XX/XX/XXXX, then my account was sold XXXX in XX/XX/XXXX to XX/XX/XXXX -XX/XX/XXXX. on XX/XX/XXXX I received a letter from XXXX XXXX XXXX, XXXX from XXXX that they have my account now for a loan of XXXX starting on XX/XX/XXXX bought from XXXX. XXXX did not report my payments for XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX. Meaning I was paying on time which I can prove in my back statements from those dates Caliber Homes Loans hold about {$1300.00} of 5 months of {$6600.00} then sold my account to XXXX then XXXX did the same kept 6 months of {$7900.00} then now they sold it to XXXX XXXX XXXX, XXXX account # XXXX to another debt collector. My Loan is protected with FHA, what happened? they have destroyed my credit from XXXX to XXXX and this is going to be a repeated cycle since they claim I did not pay my mortgage when I have from day 1 except in those 3 months in XXXX in then hurricane Irma and followed Caliber Homes Loans their steps to keep my home and mortgage. This is a scam. I asked Caliber Homes Loans in their recorded lines that I asked if I had no issues and they said no to continue until XXXX with the mortgage that I am not going to lose my home. They lied and they tricked me all of them for fraud and took advantage of me. Everything is trackable I need help. ( the numbers may be off or dates cause I don't remember all the days and numbers but the proof in in their systems and my bank statements which will prove I never missed a payment from my mortgage of course only in XXXX during the Irma incident but I was in their programs for homeowner who was dealing with hardship in those times. I have reported it to ftc.gov # XXXX on XX/XX/XXXX
|
| 05/04/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Dear XXXX : We have reason to believe that the Organization ru n by XXXX . XXXX , at the same address of the Notary below, XXXX XXXX XXXX XXXX XXXX XXXX , Tx XXXX , apparently is impersonating the XXXX XXXX XXXX XXXX , XXXX , acting as Trustee fo r XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX , OK XXXX , alleging to file an Assignment of Deed of Trust on or about XXXX / XXXX / XXXX on the title of my property at XXXX XXXX XXXX XXXX , in XXXX , CA XXXX , claiming that a person named XXXX XXXX XXXX , V.P. of Caliber Home Loans, Inc., acting as the Attorney in Fact of XXXX XXXX XXXX ( Now defunct ), FKA XXXX XXXX XXXX XXXX SOMETIMES KNOWN AS XXXX XXXX XXXX XXXX ( Now also defunct ), allegedly transferring the deed of trust to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AS NOMINEE FOR XXXX XXXX XXXX XXXX XXXX XXXX , ITS SUCCESSORS AND ASSIGNS, ( Filed Chapter XXXX Bankruptcy in New York ) and Truste ee XXXX XXXX XXXX XXXX , allegedly signed by the below referenced Notary Public of the State of Texas on XXXX / XXXX / XXXX working for the same company as XXXX . XXXX , at the same address of the Notary below, XXXX XXXX XXXX XXXX XXXX XXXX , Tx XXXX , on behalf of XXXX XXXX XXXX XXXX have created and recorded a fraudulent document on the title of my property. We believe this to all be carried out in fraud and have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) and they have asked us to contact you directly for further investigation regarding this document. Notary : Name : XXXX XXXX - ID : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX , Tx XXXX Expires : XXXX XXXX , XXXX County : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX History As Effective Expire Date Commissioned Notary Public XXXX XXXX XXXX / XXXX / XXXX XXXX / XXXX / XXXX Commissioned Notary Public XXXX XXXX XXXX / XXXX / XXXX XXXX / XXXX / XXXX . This group of Companies has yet to explain how they have obtained a note signed with XXXX Mortgage and was included in the RESCAP Chapter XXXX Bankruptcy filed in New York, which is still on going. I have made all payments to principal since XXXX and they have not been applied correctly and left in a pending account. They have does this purposedly in violation of RESPA, FDCPA, RICO, etc. in order to keep the debt alive when actually it was paid off years ago. Please investigate this matter as soon as possible since we have reason to believe it is all fraudulent and included in the document created with the purpose of acting unlawfully against my property by XXXX XXXX XXXX XXXX , and CALIBER HOME LOANS, etc.
|
| 05/18/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have been fighting a fraudulent mortgage situation for over 4 years now. Original lender claims to have sold the loan in XX/XX/XXXX. Caliber Home Loans claims to be the new servicer. Servicing transfer took place in XX/XX/XXXX. Caliber began sending me monthly statements in XX/XX/XXXX. Prior to the loan being sold, original lender filed a foreclosure action against me, which I contested and it is now sitting dead in the courts. Caliber has taken NO legal action regarding this account, and I have confirmed this by speaking with Caliber 's claimed attorney and also by checking routinely with my court clerk 's office. In other words, the " foreclosure '' status of this account has always been the same since before Caliber began contacting me. I have many disputes with Caliber, but Caliber has either ignored my disputes completely or has responded by answering questions that I have never asked.
Caliber stopped sending me monthly statements after XX/XX/XXXX, and when I have asked about this, Caliber states to me that they can not send me a statement because they claim to be actively foreclosing on me. Again, I have spoken to Caliber 's own attorney, and have confirmed that Caliber has not taken ANY action against me whatsoever. I mentioned Regulation Z to Caliber, and how it requires them to provide monthly statements regardless of foreclosure status, because foreclosure status is not listed in the law as an exemption. The loan is a conventional loan, so the statute applies. I have not filed bankruptcy, and Caliber is not a small mortgage servicer under the law 's definition. Caliber refuses to provide me with monthly statements. I did just receive an " informational statement '' which appears to be what is provided when the consumer has filed bankruptcy, but again, we have not filed BK. This statement does not include much of the information that Regulation Z requires servicers to report to the consumer on periodic statements. I called Caliber today to ask about this, and was told that the statement was generated due to a payment that was made on the account. I did not make the payment they are claiming. I am concerned about the lack of monthly statements because Caliber has shown a pattern of adding fees and charges to this loan that are not legal, and without the monthly statements, I can not keep track of what is happening on that front. Caliber also has a history with me of changing their story on a constant basis, so that information provided today contradicts Caliber 's own earlier provided info.
I am in the process of trying to resolve several other disputes with Caliber, but at this time, I am only disputing the issue of the monthly statements here with the CFPB. Caliber is required to provide this documentation to me in accordance with Regulation Z, as amended in XX/XX/XXXX, and is refusing to do so.
|
| 05/02/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
At the end of XXXX this year, we got a new bank account. I needed to update my payment information, which Caliber lets you do online and is fairly simple. I marked the new account as my " Default Payment Method '' and removed that designation from my old payment account. There was nothing to indicate that what I had done would have zero effect on which account my payment would be pulled from. We should be able to quickly and easily update our payment info at any time. Unfortunately, Caliber prefers to make it difficult for consumers to do so. Without any notices or warnings in the Edit Bank Account Information section, Caliber allows consumers to believe they have updated their payment information, when in fact, it requires a separate form to be submitted via mail or fax to do so. The payment then unexpectedly pulled from the old account. I called customer service and was advised that I should have deleted the old account. Apparently, keeping it in case we wanted to have the option to use it wasn't possible. I was further advised that my bi-weekly autopay would need to be canceled, and I would need to set up a new one. The agent assured me she would cancel it so it wouldn't pull from the old account again and once canceled, I would need to submit a new application to set up the bi-weekly autopayments again with the new account. She did not, in fact, cancel my autopay and it has continued and still is pulling from the old account on a bi-weekly basis. I've reached out multiple times via secure message within the account AND a letter sent directly to Caliber. I've asked to speak to a manager or someone who can help me update my payment information and each time, I was advised that I would hear from a manager within 7-10 business days. It has been 18 business days and I have not heard from anyone. I have submitted bi-weekly autopay forms several times and each time, I receive a new blank form with the message that my autopay information has not been updated because my account must be paid one month in advance to set up bi-weekly autopay. Meanwhile, we already paid the account one month in advance to set up the bi-weekly autopay originally. I have included detailed instructions that I've already done this and I'm not looking to set up a new autopay, I only want to update the payment method on my current bi-weekly autopay and no one seems to be able to help me. Here I am, waiting in limbo and taking great pains to ensure the old account has sufficient funds to continue covering the payments that continue to be pulled from the wrong account against my wishes. I guess I'll have to keep waiting additional business days until a manager finally contacts me. Either way, we're so frustrated with Caliber and their lack of customer service that we almost want to refinance JUST TO AVOID DOING BUSINESS WITH THEM EVER AGAIN.
|
| 12/11/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
I want to report an attempt to deceive me into signing a loan doc application on the pretense that I had a signature was " missing '' a place when I signed the original loan doc application which had all the correct agreed upon numbers for loan origination and processing fees with title and appraisal and other related closing fees. In the course of resigning the edoc to get a missing signature applied, I discovered my closing cost ballooned. An added {$5200.00} on line H borrower to pay, where it was XXXX in my original doc. After I brought this to attention of processer was told would check with loan officer and subsequently told this increase due to appraisal coming in lower. The fact that they tried to deceive me to sign this loan application with added cost by telling me a signature needed was missing is defrauding me by doing so. NOT GOOD! Needless to say I asked them not to contact me any further, days later received email from their customer resolution department. Informed them what happened and that I would report it to whomever would hear me, have not gotten a reply since, that was last week.
Here are the particulars. Late XX/XX/XXXX early XXXX reached out to Caliber to re-fi my current mortgage with them after receiving multiple emails and flyers in the mailbox about no re-fi fees except appraisal and title, take advantage of Feds latest rate cuts.
On XXXX, signed loan doc via edoc with XXXX XXXX with agreed rates and fees was told doc would be sent to underwriters.
XXXX Provided income verification and ID docs to processor XXXX XXXX.
XXXX through XXXX was sent various versions edocs from Caliber system to sign, noticed they did not match loan application signed on XXXX, contacted XXXX XXXX, told " not to worry, system does that, only to sign if asked by someone to sign '' From that point I heard from an appraiser set up appointment and appraisal doc notice was sent to me on XXXX. On XXXX received email from XXXX that a signature was missing and I needed to sign a doc to complete the application.
Upon looking at the doc it was errant the loan amount, term and interest were wrong they were based on a competitor offer they received from me, it did not represent the terms agreed upon and initially signed on XXXX. Received apology from underwriter and new copy for me to sign was sent, that is when I notice the fee difference of borrower to pay {$5800.00} where the XXXX did not have but rate, amount of re-fi and 30 year team was the same. Only when I asked after being told to sign this new doc on pretense I was adding a missing signature to original was I told sorry your appraisal caused this. This is not acceptable business practice I almost was tricked into signing up for a loan on terms I did not originally agree too on premises I was completed what I did agree too, not good, not good at all.
|
| 04/28/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
In XXXX, I refinanced my property with XXXX XXXX XXXX , XXXX. I have had my property since XXXX when I originally purchased it. After my refi was approved and closed, XXXX XXXX XXXX transferred the servicing of the loan to Caliber Home Loans. Towards end of XXXX, caliber home loans did an escrow analysis which resulted to them increasing my monthly mortgage payments from {$1400.00} to {$1500.00}. I have always made my payments without being late or missing any payments. However, with the interest rates going down, I opted to do a streamline refi with XXXX XXXX. I submitted my application and all the required documents and was approved. When XXXX XXXX requested the payoff statements from Caliber, they ( Caliber ) contacted me and advised me that if I stayed and refinanced with them, they would give me better terms than what was offered by XXXX XXXX. They also told me that the process would be as painless as I would not have to do an appraisal or income verification ( which to me was not a concern ). I went ahead and entertained their idea and applied for a conventional loan for a term of 25 years and locked the rates at 3.15 %. On XX/XX/XXXX, I got a text from Caliber saying that my loan had been conditionally approved and they provided a name and number of the person I should contact should I have any questions. After waiting several days without hearing from them, I contacted the phone number which had been provided and I did not get an answer. I emailed the representative who had working with me through the entire process and he did not respond to my email even after sending several emails. I eventually called an 800 number and was able to speak to a loan officer who after talking to several people internally, was able to direct me to the processor who was working on my loan. After some time, the processor called me and requested multiple documents from me ( although I had originally been told they were not required ). I promptly sent all requested documents within the same day but did not get any acknowledgment from the processor or the underwriter. After 6 days, I sent an email asking if they had everything that was needed from me to which he responded saying that he needed more information and would be sending me an email by the next day. After waiting for a further 4 days without response, I sent another email asking what else was needed and he never responded to me. After waiting with no communication coming my way, I opted to send another email on XX/XX/XXXX highlighting all my concerns and copied the general CFPB email ( XXXX ) and after sending that, I got a response from Caliber saying that they will send me a link to sign the disclosure and answer a couple questions which I did immediately. Since then, I have not received any further communication and I am at a loss of what is going on.
|
| 06/07/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I worked with a HUD certified counseling agency ( XXXX of XXXX, CA ) to submit a complete loan modification application with supporting documents to the servicer of my mortgage, Caliber. But they went ahead and did a foreclosure sale anyway without ever giving me an answer about the modification.
I was told by Caliber representative XXXX XXXX that there was time to stop the foreclosure sale if I got my information to them to apply for a modification. I did get the information in. I spent a lot of money on faxes to the counseling agency ( XXXX ) and on faxes directly to Caliber.
Caliber confirmed to XXXX that my application was received. I tried to also follow up on the phone but I could n't get any information. I called at least three times just to check on the status of my application, but the person assigned to my case, XXXX XXXX, was never available. Caliber reps I spoke to said they would give a message to her, but I never got a call back.
Caliber never told me or the XXXX counselor assisting me that anything more was needed. But they foreclosed on XXXX XXXX, 2016.
Then AFTER the foreclosure I got a letter saying there were missing documents. That letter was dated XXXX XXXX, 2016 but the date from the postage meter stamp says XXXX XXXX and the postmark says XXXX XXXX.
I am also concerned that Caliber representative XXXX XXXX discouraged me from using the HUD certified counseling agency that I was then working with and encouraged me to just work directly with her instead. Later on a different phone call I mentioned XXXX to a different Caliber representative. That representative responded by saying Caliber does not deal with third parties.
Finally, I believe FHA mortgages I was supposed to be given a chance to have an in person meeting to work out a modification or payment plan or avoid foreclosure some other way. It was extremely difficult to work with all the different banks and servicers involved, so an in person meeting would have helped a lot. But I did not have that chance.
After I lost my wife and fell behind on the mortgage, I heard about the Making Home Affordable program and I tried for a modification with XXXX XXXX XXXX. They kept telling me they got all my documents and were waiting for the underwriters to make a decision. Finally they told me that there was still no decision, but it had been so long waiting for the underwriters that my documents were too old. So I had to start all over with filling out an application and sending new documents. I did that at least three times and never got any decision about a modification.
Then I started getting mail from Caliber, and I thought it was junk mail. I called XXXX XXXX XXXX and I was told they no longer serviced my loan. I had never been notified by XXXX XXXX XXXX or anyone else about a change in the owner or servicer.
|
| 04/18/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
To Whom It May Concern, This letter is to inform of misconduct and poor business practice on the part of our mortgage company, Caliber Home Loans.
Three years ago, new to the area, we chose Caliber as our mortgage company on the advice of our realtor. At the time they had an office locally where we could have any questions resolved without incident. Our checks were due on the first of the month but not considered late until the XXXX of the month. In XXXX 2016, we received word that Caliber Home Loans was incorporated and we were to hence forth send our checks to XXXX Texas. The local office was closed.
On XXXX, XXXX 2016, I received a call from a representative of Caliber stating my check had not arrived.
While on the phone line I reviewed my internet checking and discovered the check had indeed arrived at the post office in XXXX on XX/XX/XXXX.
The man assured me they had not received it and ask me to stop payment on the check and wire their payment.
I drove straight to XXXX XXXX XXXX XXXX XXXX ( FCU ) and requested a stop payment on my check.
While in line at the FCU to wire the funds I checked my Caliber account on my phone and lo and behold the check had been received.
I immediately returned to the bank officer and cancelled the stop payment and returned home and called Caliber to inquire about the payment. They confirmed receiving the check.
Two days later Caliber called back and stated they had not received my check.
I explained in detail what had occurred and they at first suggested the check had insufficient funds and then after heated discussion suggested the check was a " stop payment. '' I contacted my XXXX and they assured me no one had ever attempted to deposit my check.
I again contacted Caliber demanding to speak to a manager and expressed concerns about the company 's accounting practices endangering our credit rating.
She was very rude, offering to email me a link to XXXX. I suggested that perhaps she needed the credit counseling.
She finally informed me that even though they had never submitted the check for payment it had ( inadvertently I assume ) been stamped " stop payment '' and they would require another check and assured me my original check would be returned to me ( it never was ).
She also assured me the incident would not be reflected on our credit.
I complied and sent another check for my XX/XX/XXXX payment and the next day sent our XX/XX/XXXX payment early to avoid repeat confusion.
Last week we received word from a credit agency that our credit rating ( both in the XXXX 's ) was compromised by a complaint from Caliber Home Loans.
I urge you to investigate Caliber 's business practice and chastise them for their wanton disregard of their customers and insist on having our credit rating restored to its former state.
Yours Respectfully, XXXX XXXX
|
| 01/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/XXXX I logged into my Caliber account and it seemed as though my autopay had been stopped. So, I made a single payment to ensure that my XXXX payment went through. The next day, I learned that Caliber had been updating their online system and my autopay had not been stopped. Therefore, I ended up making a payment on both XX/XX/XXXX and XX/XX/XXXX.
I did not want to wait for a refund check and was told when I called in early XXXX that we could simply apply the second payment to XXXX and I could wait to make another payment until XXXX. Instead, Caliber repeatedly incorrectly applied the second payment. First, they applied it to principal. I called and informed them of the mistake and was assured that it would be reversed and applied to the XXXX payment. Then, it was simply reversed and suspended on XX/XX/XXXX, so it wasn't applied to my account at all.
I realized this second error when I received a letter in the mail, which was dated XX/XX/XXXX, in early XXXX stating that I was two payments behind and that Caliber would soon be notifying the Credit Bureau. I called Caliber on XX/XX/XXXX to complain that by XX/XX/XXXX my account should have been fully paid considering the double payment in XXXX. The representative at this point let me know that my XX/XX/XXXX payment had been suspended and they needed to submit a request for this to be posted as the XXXX payment. The representative also requested that I make my XXXX payment at this time, which I did online.
On XX/XX/XXXX I realized that the XXXX payment I made online had been applied to XXXX instead of XXXX and called Caliber again to ensure that this would not cause the XXXX payment to remain suspended. I was assured that my request was still in process, the extra XXXX payment would be applied to XXXX, the XXXX payment would be reversed and applied to XXXX, and the credit bureaus would not be notified because I was not behind on payments. The representative could not give me a date that this issue would be resolved.
On XX/XX/XXXX I logged into my Caliber account and saw that there had been a misapplication reversal on XX/XX/XXXX and no further changes. I called Caliber again that day to ask if there would be further progress or if this was another mistake. I was told that there were notes on my account that more work needed to be done to post the payments correctly and was in process, but again I could not be given a date that this would be resolved.
It has now been over two months sense this problem has begun with little to no progress and many mistakes. Every time I call in to try to get help I am given the excuse that due to recent software updates the representatives are having a difficult time doing things quickly and correctly and they can not give me any information about how long it will take to resolve this issue.
|
| 08/10/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
This is our second complaint regarding our mortgage company ( Caliber Home Loans ) and our efforts to secure a loan modification. Our original complaint # was XXXX. We are submitting another complaint as we continuously believe that the escrow amount that Caliber has assessed is more than XXXX what is needed to cover all taxes. As a result of our original complaint, Caliber claimed that the total of all of our taxes are {$580.00} per month which we agree with. They are adding {$880.00} onto the {$580.00} for a total of {$1400.00} just for our escrow. This is more than than XXXX what is necessary. Consequently, our total mortgage payment is ridiculously high ( {$2300.00} ). We have been trying for some time to get a loan modification with Caliber. It has been difficult to say the least, and efforts to get any questions answered via phone is impossible as customer service representatives are unable to answer questions or direct us to someone who could answer the questions. Caliber recently offered us a loan modification agreement which resulted in the {$2300.00} per month payment which included an interest only payment of {$200.00} which we understand and {$690.00} which is an ancillary payment over a XXXX month period to cover taxes paid on our behalf. We understand this as well. Then, an escrow payment of {$1400.00} is being added onto that for our current and future taxes. The total of our taxes per year is {$7000.00}. When we reviewed Caliber 's breakdown that they revealed in the original complaint, {$580.00} per month was necessary to cover the {$7000.00} taxes for the year, and then they added {$880.00} per month onto that for a cushion. We feel that this escrow payment is ridiculously inflated and unnecessary ; however, Caliber will not consider a review to possibly reduce it. At the end of the year, with an escrow payment of {$1400.00}, we would have accumulated {$17000.00} which is enough to pay this year AND next year 's taxes and STILL have some left over. We just do n't understand this at all. Please please please help us with this. We appreciate any help you can give us. To be honest, we are totally disgusted with Caliber Home Loans, and we do n't trust them at all. The loan modification process was a nightmare as they told us that they do not participate in President O'Bama 's modification programs and would have to rely on their own in-house programs. We have watched unexplained charges accumulate at an alarming rate over the course of a year as well. We did n't choose this company, we inherited Caliber. At this point, we just want the truth and an honest loan modification that we can trust and have faith in. The fact that Caliber representatives can not answer our questions or direct us to someone who can is so alarming and has us believing that this company is dishonest.
|
| 09/07/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
Hello Caliber home loan managers, I am writing to request your assistance in escalating, appealing, and review of a shortsale application that is before XXXX XXXX, representative, on the Res.Net. portal.
I have been working over six months to get to a point where there can be an amicable resolution, but I frankly believe that the offers and the willingness to resolve the matter are being acted upon in good faith.
The borrower is deceased and the executor to the property, XXXX XXXX, is attempting to complete the shortsale. The mortgage is in foreclosure at this time with motions and cross-motions pending before the court.
The original mortgage was about $ 305k, however, with the arrears, the total payoff is now $ XXXX. I have submitted a top offer of $ XXXX to the rep. who declined that offer today and demanded the XXXX payoff. That is NOT how shortsales work. The shortsale buyer is not an investor, but an end buyer who will reside in the property. Prior getting to this point, XXXX XXXX, not knowing what the payoff amount was and having no idea of the location of where the property was situated demanded $ XXXX after a BPO was done. I disputed that value and submitted repair comps. The investor then approved a demand for $ XXXX.
However, when I pointed out to XXXX that this demand is higher than the payoff, he then followed up with a request for the total payoff amount. I explained that the buyer is making an offer of over 70 % of the arrears and is an end buyer who can not qualify for more funding. The buyer is the Executor who wants to keep the property within the family so that she, her brother 's kids, and sister can live there.
At this point, I am frustrated with the responses and the process that I believe to be deceptive. XXXX has been very closed off in providing information and generally not explaining why the counter demands remain unreasonably high.
I urge you to step in and assist me in this process as soon as possible. Specifically, I would like XXXX XXXX XXXX to be taken off the review of the file. Another party needs to and should be assigned.
Thank you.
NOTE : The Executor, XXXX XXXX, is an retired veteran, served in the XXXX XXXX She currently is employed as a correction officer.
-- -- -- -- -- -- - RES.NET INFORMATION FOR SHORTSALE Master Client : Caliber Home Loans Client : Caliber Home Loans Subject Property : XXXX XXXX XXXX, XXXX, NY XXXX Property ID : XXXX Due Date Assigned Date Task XX/XX/XXXX XX/XX/XXXX Submit Short Sale Request* *This task requests a document required for sale to be completed and you must log in to complete this task.
XX/XX/XXXX XX/XX/XXXX MLS XX/XX/XXXX XX/XX/XXXX Property Assessment Task XX/XX/XXXXXX/XX/XXXX Homeowner Financials* *This task requests a document required for sale to be completed and you must log in to complete this task.
|
| 04/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage company claims that I did not make my XX/XX/2019 payment of {$980.00}. The money was drafted from my credit union account on XX/XX/2019. I have repeatedly called Caliber, the mortgage company, as well as written a letter and emailed them. Nobody will take the time to listen or investigate. This has caused many sleepless nights and much follow- up time on my part. My home is very important to me, as is my credit rating. Their error is costing me both, and they answer my queries in a very superficial way, in effect labeling me confused or worse yet, dishonest.
I have included a copy of my payment history record for the month of XXXX, 2019. This was provided by the mortgage company. In XXXX there are nine transactions for {$980.00}, the amount of my mortgage payment.
The first transaction was on XXXX first. Because I was a little short for the payment I requested that they apply their promise program to give me a weeks grace period and they agreed. I handled this over the phone and the representative said he had rescheduled my payment for XX/XX/XXXX.
The representative apparently rescheduled the payment but did not cancel the original withdrawal. They tried to withdraw the {$980.00} twice, once on XX/XX/XXXX and again on XX/XX/XXXX. Both payments bounced. They processed a payment reversal on XX/XX/XXXX and again on XX/XX/XXXX. These four transactions offset.
There were two transactions for the same {$980.00} amount to unapplied funds. One was positive one negative so they too, offset.
On XX/XX/2019 there is a {$980.00} transaction recorded as a cash receipt. THIS IS THE PAYMENT DRAFTED FROM MY CREDIT UNION!!!! THIS IS MY XXXX MORTGAGE PAYMENT!!! However they did not record it as interest and principle, which is how they record all monthly mortgage payments.
On XX/XX/XXXX, this amount was subtracted and listed as a {$980.00} escrow refund. In effect they increased the amount in my escrow account by the amount of my XXXX payment. I just received a letter from them saying my monthly escrow payment would be decreased due to the high balance in my escrow account.
The end result is they took the cash they received for my XXXX mortgage payment and applied it to my escrow account. They then claim that I never made a XXXX mortgage payment, and are assessing me late fees for not making a payment. I have to be the only person in the world that forgoes paying my mortgage to make a deposit equal to my mortgage payment into my escrow account.
I am including a copy of this payment history details provided by the mortgage company, and my credit union statement showing the payment left my account.
I can provide my payment history from Caliber Home Loans as proof that they have messed up as well as my XXXX bank statement to reiterate that the money was taken from my account.
|
| 03/12/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Reference Caliber Home Loans # XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX, TX XXXX On XXXX, XXXX I had originally called and requested assistance with my mortgage due to falling behind on my mortgage. I was sent paperwork that I original signed and filled out with the original requirements. I was told that I was going to be placed in a forbearance workout and not a modification.
Since then, I had a change in circumstances in income. My spouse that was bringing in the additional income had left the home. I lost the additional income to meet the deadline of the agreement. I called XX/XX/XXXX, before the first payment was due, to inform Caliber home loans and uploaded additional documentation along with a letter of explanation as to the change in circumstances and spoke with XXXX ID XXXX. I was informed by XXXX ID XXXX that we needed to fill out the HAMP/Modification forms. Once the forms were completed I spoke with XXXX ID XXXX that confirmed receipt of the forms that were uploaded in your system. It was then the previous work out was to be cancelled and the new request of the Modification was to begin.
I had my representative XXXX XXXX XXXX of XXXX XXXX XXXX call onXX/XX/XXXX and it was stated that no paperwork was received and we had to resubmit the paperwork for the Modification yet again. On XXXX XXXX XXXX called again and she spoke with XXXX ID XXXX who mentioned that the review process was done on XX/XX/XXXX and to follow up on XX/XX/XXXX to see who the new Modification rep will be going forward. It was also mentioned that a letter that was never received that was mailed on XX/XX/XXXX in reference to the cancellation of the original forbearance plan.
While waiting for the additional information for the new request for the Modification there were no mailing, phone calls, nor emails concerning the update of the modification. My representative, XXXX XXXX, called on XX/XX/XXXX and spoke with XXXX ID XXXX who confirmed that the second request for the modification was included in the case of the forbearance plan and the Modification paperwork was not submitted yet again as requested. We had to resubmit the paperwork via Caliber Home Loan upload, via USPS and USPS Express in which we have confirmed.
Since then I have received letters : - on XX/XX/XXXX -stating that we needed to complete the application process. Nothing stating either way of the new upload for the new request of the Modification.
- XX/XX/XXXX I received a letter ( form letter ) along with a Modification package - XX/XX/XXXX-I received a letter from the XXXX XXXX claiming that my mortgage has been referred for foreclosure.
Again this has been a very tedious process and I have done my part in communication and trying to get a modification for my home. My intent is to keep my home and maintain it.
|
| 11/17/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/2017, I contacted Caliber home loans ( at XXXX ) in regards to my home loan escrow balance and taxes. Let me first start off by saying in order to speak to someone there is a lengthy automated system which has prompt after prompt. Once i spoke to the tax department I then was transferred to customer service. I have an escrow balance of {$3500.00}. My taxes last year were {$680.00}. This year they increased to {$7800.00}. The reason for the increase was due to the fact that we built our home and the previous year taxes were only {$680.00} because the city estimated the taxes without the home and only the land. Upon speaking with a customer service representative ( ID # XXXX ), he was very confused on the details of my loan which happened the last several times I spoke with Caliber. I asked very clear and direct questions regarding my escrow account : " where is the money being allocated to and how much ''. He began to say several times " ummmm ''. He seemed to dance around my question. This is the only info I gathered being that this info is NOT accessible online. Here was the breakdown he gave me and he said he didnt know how else to explain it. The only reason I have any of this info was because I had to ask several times and redirect him back to the original question.
{$3500.00} ( in escrow to date ) - {$1500.00} ( to insurance ) - {$630.00} ( PMI ) ___________ {$560.00} remainder ... ...?? Where is the rest of the money going?? He got rude as if I was being unreasonable. The call was recorded. I asked to speak to someone else or a supervisor and he then refused stating he answered my questions to the best of his ability.
I then was transferred by him back into the que after stating that this was a recorded line and i want to speak to someone else. I then spoke with another woman in customer service. This woman could not tell me what my escrow balance was stating " where do you see that info? ". She then said let me look at the notes from the previous representative. I told her I do not need you to do that. I need you to look at my account and give me direct answers to my direct questions. I explained to her that a portion of my escrow was going towards my taxes and It isnt listed on the annual escrow account disclosure and statement, nor is the breakdown of where the money is being allocated to. She again sounded confused and said I can mail you out another statement. I told her that when someone trusts a company to handle their home loan, they expect direct answers about where and when payments will be made on their behalf and how much. I also told them I would be reporting them for their deceptive practices. I would like them investigated to see why exactly they are unable to give direct answers regarding payments allocated from the escrow account.
|
| 08/05/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
We would like to file a complaint with the Consumer Financial Protection Bureau and or the Federal Trade Commission concerning the inability to resolve a recurring issue with Caliber Home Loans.
This is the second time in two years we have had to contact the CFPB/FTC concerning Caliber 's refusal to stop sending out statements, and now solicitations, via USPS, in which our personal information pertaining to our mortgage data including balance, name, address and interest rate is printed as well as the last few digits of our account number. We have explained to Caliber countless times that our mail service is not reliable and continuing to send this information leaves us vulnerable to potential identity theft should our mail end up in the wrong hands. We have requested instead that they send us correspondence via email. These requests were made multiple times every month for over a year including countless phone calls, faxes, emails and letters ; ALL of which Caliber denied receiving.
Furthermore, only after the FTC became involved and asked for Caliber 's written response did Caliber finally stop sending monthly statements and agreed to start sending emails. Although the hard copy statements did stop we have NEVER to date received an email statement from Caliber.
Several months ago Caliber started to barrage us with letters soliciting us and no doubt other customers to refinance their existing mortgage. In these letters under the headline : Let 's Get Personal ... Caliber states our mortgage balance, our interest rate, my husband 's full name, address and the last XXXX digits of our account number once again our requests to have Caliber stop this reckless behavior has fallen on deaf ears. Additionally, as our prior experience has taught us ; Caliber only has XXXX phone number available for customers to call. Each and every time we have called this number the result is always the same. Repeatedly, we are put on hold and then told that a supervisor is not available. Promises to return calls are never fulfilled and the insanity continues.
We are hoping that the CFPB or the FTC will require Caliber to provide a more transparent access to management in all areas of the company including published phone numbers, names and titles of individuals within their company in an effort to provide their out of state customers with real help rather than a generic phone number manned by individuals that according to our experience have neither knowledge or the ability to handle customer issues. Additionally, we would ask that the CFPB or the FTC investigate Caliber 's refusal to comply with our countless requests to cease and desist sending out any correspondence via USPS that contains our personal information and that Caliber stop the harassing practice of solicitation.
Thank you,
|
| 01/22/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
So this case is a bit complicated but apparently I was approved for a VA CARES Act loan modification last XX/XX/XXXX but Caliber Home Loans never told me. I had promptly completed my application in about XX/XX/XXXX in response to Caliber 's written request for such documents. They apparently sent the approved modification paperwork to my then former attorney 's ( old ) office address without my consent or agreement. I had been communicating with them directly for my application so I have no idea why they did this. Because Caliber did not identify the attorney 's name or even firm name the mail was never forwarded to him and likely was returned to Caliber. I contacted Caliber by email on XX/XX/XXXX at XXXX to the same email address Caliber and I had been communicating previously ( and Caliber asked me to use ). I never received a response to my email and assumed my completed application was still in process. Later, Caliber wrote to me again at my former attorney 's ( old ) office address without my consent or agreement again in the Fall saying my modification was denied but I and my former attorney never received this correspondence either since it was sent by Caliber to the wrong address with knowledge the address was wrong.
In XXXX or so I started receiving mail from Caliber 's foreclosure attorney that seemed strange and I did not understand. I contacted my former attorney who is now helping on a pro bono basis to try to figure this out. I also started the process to apply for XXXX funds from the State to see if we can make this right. But because of the problems the State had with it's role-out of the XXXX program my initial application was not accepted until XX/XX/XXXX. My attorney also told Caliber 's foreclosure counsel that my application for XXXX was pending but Caliber 's counsel has represented ( at least through today ) that it will not wait on the foreclosure anymore and Caliber claims the State has not communicated with it. The State seems to indicate that Caliber has not designated a representative until just yesterday.
I first learned that a sale had been scheduled from my VA representative on XX/XX/XXXX. My pro bono attorney contacted Caliber 's foreclosure counsel who represented he had not scheduled any sale. However, a few days later he was apparently instructed by Caliber to schedule the sale even though Caliber knew I had registered with HAF. Now Caliber is advertising a foreclosure sale of my home and property even though it knows my application for XXXX is pending and I never received the modification offered to me last XXXX.
I also sent Caliber a XXXX and Notice of Error about all these issues on XX/XX/XXXX which it received on XX/XX/XXXX. I have not received any acknowledgement or response whatsoever to that correspondence from Caliber.
|
| 08/12/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
My mortgage increased by almost {$500.00} overnight due to an incorrect tax calculation by my lender. A calculation from the previous homeowner ( who had a homestead exemption ) was used, and the taxes were almost half of what the most recent prior owners had paid. Just after a year of making timely payments, my mortgage increased to cover the taxes that were calculated incorrectly from the first year of my mortgage and to adjust for the second year going forward. I called my lender, Caliber Home Loans, and was told that they based their calculation on what was on record and that the taxes had to be paid. I asked if there was anything that could be done since I could not afford that much of an immediate increase, and it was suggested that I apply for a " COVID forbearance. '' I did not have COVID but was told that I would qualify for a forbearance if I was 30 days behind on payments. The representative from Caliber Home Loans said that I should not pay my mortgage for the month, and on the XXXX day, call to apply for assistance. They told me that I would have a 90-day forbearance period and then would be put on a loan modification plan with trial payments for the next 90 days if I qualified. Since I had an unexpected XXXX and two major insurance claims on my home due to storms during that time, I took the representative 's suggestion. I completed the paperwork that was provided to me and was approved for a forbearance. During the process, my loan was transferred to XXXX Mortgage, and it was extremely difficult to connect with anyone to answer my questions about how my credit would be affected. I kept getting bounced back and forth between Caliber and XXXX, and no one could provide answers. I did everything I was told according to my paperwork, made the trial payments as agreed, and my loan was modified. Several months later, I saw that Caliber Home Loans reported late payments to the credit agencies, so I submitted a dispute, which Caliber claimed was not valid. I tried to call Caliber to discuss this, and they had no record of my loan since it was transferred, so I then called XXXX. The gentleman who I spoke to that day said that 'this happens all the time ' because of representatives giving clients incorrect info regarding the forbearance process. He said the forbearance lasted only 90 days, and then I would have needed to pay the three months of mortgage in full at that time to prevent a credit issue, but since I was on the trial plan for the next 90 days that it makes my payments late by 90-days. This was never explained to me. He then gave me an address for Caliber and suggested writing a letter, but it was a XXXX XXXX XXXX, and I couldn't certify it. Now I am trying to purchase a new home, and the late payments are preventing me from obtaining a new mortgage.
|
| 02/28/2019 |
Yes |
|
|
|
Web |
Servicemember |
|
I initially contacted XXXX XXXX ( XXXX ) on XX/XX/XXXX about securing lending for a new home purchase. This was on recommendation from my real estate agent XXXX XXXX ( Sears ). XXXX had contacted XXXX and explained what the builder 's lender XXXX XXXX was offering and asked XXXX if they could meet or beat the deal. XXXX assured both XXXX and I that the interest rate and credits would be matched and that I had no worries going forward. XXXX then contacted me by phone and said that in order to make the deal work for her upper management that she needed a " good faith '' deposit to lock in the deal. She assured me that the money would be applied to the loan at closing and that if Caliber could not fulfill their promises with regards to the credit and rates then the money would be refunded. I asked her several times about this through the loan process both in person and over the phone. She was even bold enough to state " don't worry about what any of the disclosures state, what I tell you is what matters ''. Therefore, I did everything she said and signed everything she told me to. I paid my " good faith '' deposit of {$1900.00} on XX/XX/XXXX. On XX/XX/XXXX I was contacted by XXXX because we were within 30 days of closing. This was the first time she told me that she was not going to be able to match the rate she promised. After a week and a half of emails going back in forth XXXX finally admitted that she was not going to follow through with her promises and could not match the rates or credits from XXXX. She even made me re qualify through XXXX hoping that I would not meet their requirements ( but I did ). After realizing she wasn't going to be able to scam her way through the end of the loan, she told me that she was too " emotional to help me ''. She then referred me to her boss XXXX XXXX ( XXXX ). XXXX did his best to try and repair the broken deal but still could not meet the rates offered by XXXX. XXXX also refused to document our phone conversations and only would discuss rates, or deposits over the phone. I realized why he did this when I asked to end my relationship with XXXX and have my " good faith '' deposit returned. It was at this point that XXXX told me the deposit was nonrefundable and they would not return the money. When I asked XXXX why he told me that the money was a " lock rate fee '' and therefore nonrefundable. When I explained that this was not the agreement I had with XXXX when the money was paid, he told me I should have gotten everything in writing. XXXX misrepresented herself and Caliber in order to benefit both financially and with her career. That in itself is the true definition of fraud. I am not seeking any financial gain from XXXX or Caliber. I just simply want the {$1900.00} I paid in good faith to be returned to me as it should be.
|
| 07/30/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
Here is basically what I have sent to the Attorneys for XXXX XXXX XXXX and Caliber : I would like to propose a settlement solution for both XXXX XXXX XXXX and Caliber. I sent a timeline and XXXX exhibits ( I have uploaded ) to show you what occurred for these two and a half years when my husband and I were trying to modify our loan. My attorneys did not use this information ( which I was very angry about when I found out ) in the case, and, I believe proves the dual tracking and violates the Homeowners Rights law. If you had a chance to look at the timeline along with the letters and documents ( uploaded ), I think you will agree that there was total confusion when XXXX XXXX XXXX sold the service rights to Caliber during our modification process. All along I believed we were going to get that modification because our income was XXXX higher than when we first got the loan in XX/XX/XXXX, and we had excellent credit. It was just a matter of persistence.
You can see by my timeline that Caliber was trying to foreclose before they were officially recorded with the XXXX County clerks office on XXXX XXXX, XXXX ( see timeline and exhibit ). However, we were told that Caliber was the servicer as of XXXX XXXX, XXXX ( see timeline and exhibit ). After I was told that we had to start the application process all over again with Caliber, I immediately turned in a XXXX page application with documents and another XXXX documents sent on XXXX XXXX, XXXX ( see timeline and exhibit ). When I tried to speak with someone at Caliber about the application I was told that there was little information at the moment because they were in the process of XXXX XXXX XXXX turning over all the loan information to Caliber and to call back later. It was total confusion! This was only one month after the service rights were transferred ( but was not recorded until XXXX XXXX, XXXX ). We had no time before the sale date to even appeal. We were denied on XXXX/XXXX/XXXX ( see timeline and exhibit ) three days before the trustee sale. It should have been 30 days later according to the law.
I am XXXX years old and in the process of my divorce. My husband walked away leaving this foreclosure issue all to me and washed his hands of it. We are going to trial on XXXX XXXX, XXXX and will be divorced. The reason I filed for bankruptcy is to stop the foreclosure process and I legitimately want to restructure my debt and pay back my creditors. I have received a short sale offer with an approval that I would like to see close, but the foreclosure is on XXXX XXXX, XXXX and we need to know its stopped. I also have a back-up offer as well. Please stop this sale we can close this sale.
Please read the uploads regarding the timelines and exhibits regarding the Lenders violations.
Sincerely, XXXX XXXX XXXX
|
| 11/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Older American |
|
I refinanced my home earlier this year with Caliber Home Loans. It was not a simple loan but Mr. XXXX affirmed with me that they were capable and confident of what was involved. Both loan officers, XXXX & XXXX XXXX were courteous throughout the loan process. In initial conversations with XXXX I was told not to worry about locking interest rates and this was his job to monitor the market and he affirmed he was good at his job. He quoted me an interest rate of 2.45 % - 2.85 % with loan fees totaling {$4100.00}. He said he would lock the rate in when appropriate and not to worry about costs increasing that the market was good.
Given the market conditions Calibers business increased over this time and they had multiple loans being processed. The office seemed to be moving slowly in acquiring documents, increasing the time in the closing of our loan. Even after formal Approval the underwriter continued making additional requests increasing the length of escrow time. This became my problem when the lock-in rate which I had been led to believe was not a concern, elapsed. I was not told that this was to elapse but I saw later that it was written down - my loan officer failed to inform me.
In the final week I received DocuSign loan documents which I did not sign when I saw the loan costs had increased to over {$12000.00}. This included {$4500.00} in estimated real estate taxes and property insurance. This was never discussed with me and I talked with XXXX saying this was NOT what XXXX had talked about and must be a mistake. He said he thought he had seen something irregular in the loan costs and not to concern myself with it.
My initial closing costs jumped from {$4000.00} to {$12000.00} on XX/XX/XXXX and finished with {$15000.00} at closing and this no longer contained the original {$4500.00} in taxes and insurance- it was mainly fees. I again inquired about the previously mentioned increased fees, and XXXX said XXXX had said there was nothing to be done at this point and that Caliber was actually losing money on this refinance. Market interest rates seemed to be rising and I was not going to take a chance and go through this process again.
I believe there was a lack of integrity, honesty and straight forwardness. We were charged much, much more than we were lead to believe and if Caliber had not been so busy with other loans, and had processed the loan within 60 days as discussed, we would have had an interest rate of not more than 2.65 % and much 1/2 in loan costs.
In the end of all of this I should have only had to pay 50 % of what I actually paid. I am thoroughly not happy with the ending here. I believe they owe me {$7500.00} in which they overcharged me. I was planning on this extra money to pay off loans and why I originally sought to refinance.
|
| 03/29/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
lived in a home paying rent for 21 years. The owner put the home in Foreclosure, I worked with Caliber Home Loans to purchase the home since XX/XX/XXXX of last year. They wanted {$85000.00} I submitted a contract with a Hud statement to purchase.I started my offer for {$70000.00} rejected then {$7500.00} which was reject and told it had to be {$8500.00} firm. Two days later they send me a e mail saying they reject and are taking the home to XXXX sale.In XXXX it went into Sheriff sale, they started the bid at {$200000.00} the amount with all the Attorney and interest fees plus what ever else. no one bought it. XXXX bought the home back. I tried to speak with someone to still purchase they said no, i had to leave the home. On XX/XX/XXXX the Sheriff came to gave me notice to vacate by XX/XX/XXXX, i did get a extension till XX/XX/XXXX. I'm being told i need to vacate the property then i can try to purchase it.They are telling me i have no tenant rites. I have put into this home within the last 21 years many up grades which i will list at the end of this letter. I also have all receipts to prove it. No one will speak with me to try to help me purchase this property. I feel i'm being discriminated against because i'm a tenant and a senior citizen. I now have to leave a home that i put my heart and money into, it's not fare to me that they will not work with me to purchase this home. Here is a list of improvements i put into the home thinking one day the owner would sell to me. New furnace and chimney liner, hot water heater, New chimney built from Basement Floor to first floor.New kitchen cabinets, cornon counter top and sink, Stove, dishwasher, micro wave, flooring., bathroom tub, sink, toilet, tile, new flooring on 2nd fl, large deck, new bath and kitchen windows, New front and back doors, 2 storm doors. repairing of roof. The list goes on. I have all receipts to prove this. This is a heart ship to me, i raised my son in this home, my grandchildren.Something needs to be done so that these Banks can not do to other people what was done to me Why wouldn't they work with some one that is all ready in a home and qualify s to purchase it. There is no protection for homeowners nor tenants its all with the banks. I di n't set the price a REO did for {$8500.00} so why are they not excepting my offer. I went back and offered {$100000.00} and they said no, i need to leave. I offered to pay rent, no i need to leave. If i'm not out by XX/XX/2018 the Sheriff will lock me out. Please help me to stay and buy this isn't fare what the Mortgage Co can get away with. .I will submit all proof of my repairs theirs so many receipts for me to send now but will upon request. I have emails from XXXX plus they have all my phone conversation recorded Thank you time is of the essences
|
| 09/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I initiated a refinance with a cash out with Caliber Home loans XX/XX/XXXX. Everything went fairly smoothly until the third party title company, XXXX XXXX, who Caliber selected to handle the paperwork, became involved.
First, the paperwork was a mess. As part of this process, we were removing my ex-husband from the deed. He wasn't listed on the prior loan, or on the refinance, but he was still on the deed. When the notary showed up with the paperwork, instead of removing him from the deed, they listed him as a borrower and they had the closing costs listed incorrectly. I get it ... mistakes happen ... so we scheduled another appointment to sign the new paperwork. Except, it was still messed up. In total, the notary had to come three times ... my ex and I had to take time out of our day and try and coordinate our schedules ... it took in total 3.5 hours of our time just to deal with the paperwork with the notary. I am glad my ex and I are on good terms ... can you imagine how difficult that might have been if we weren't?!
I received notification that the loan had closed and funded on XX/XX/XXXX a little after XXXX, and that the funds from the payout would be wired within 72 hours. I conservatively set the deadline for when I should see funds in my account at end of day on the XXXX, which was 3.5 business days, well over the 72 hours. At end of day Monday, the funds had not been transferred. I reached out to Caliber, and was notified they were looking into it. On Tuesday, I reached out again and was informed it was escalated it to management.
It's now the XXXX. I spent 3.5 hours this morning trying to figure out what is going on and where my money is. XXXX XXXX told me it was a COVID-19 related delay at my County Recorders office, but that they had received a notice yesterday that it was recorded and I should receive the funds today. To confirm, I called my County Recorders office, who informed me that was not the case, the paperwork HAD NOT been recorded but rather had been rejected, and it wasn't in line for recording. At this point, I then called and talked to XXXX XXXX at XXXX XXXX, and I did a three way call with my County Recorders office. The guy at the recorder 's office let her know what is going on, and she was going to get in touch with the recording team to resolve.
I have no idea when it will be resolved, however, in the meantime, I am paying interest on two loans, and I still don't have the $ XXXX in my account that should have been there two days ago. It appears everyone involved from Caliber to XXXX XXXX is satisfied with sending me emails that they have " escalated to management '' and apologizing for the delay.
IN CASE THIS IS TLDR ... I STILL DON'T HAVE $ XXXX IN MY ACCOUNT THAT SHOULD HAVE BEEN THERE TWO DAYS AGO!!
|
| 03/31/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/2019 I received a letter by mail from XXXX XXXX XXXX stating that my payment for XX/XX/2019 had not been received. I sent an email to XXXX by way of the Messaging center of their website asking why the payment shows as being received, but not posted. No reply was sent to me. On XX/XX/XXXX I called XXXX customer service line and spoke to someone about the payment and why it wasnt posted. It appears that the payment I sent in XXXX of 2019 at the new adjusted total of {$2300.00} was received on time. The issue happened when the payment I scheduled for XXXX though my online bill pay sent the previous amount of {$2200.00}. A difference of {$110.00} due to escrow adjustments.
After several conversations with the customer service department I understand that XXXX XXXX policy is to post all funds that are short of the total amount in an unapplied funds account. They did not notify me of this process. The unfortunate result of this is that I did not know that the payment was short, or even that the payment was not posted. I had XXXX indication of the issue. It was stated to me that XXXX had tried to call me multiple times to notify me of the late payment as early as XX/XX/XXXX, however that isn't true. I never spoke to anyone or had a message from them. XXXX has my correct phone number on file and routinely calls this phone number to ask me about refinancing. I was told by the Customer Service supervisor that they were not allowed to call my number, but that does not align with the fact that XXXX has called me dozens of times for refinancing offers including the call I received on XX/XX/2019 about refinancing. The unfortunate result of all of this is that my payment was not posted and paid until XX/XX/XXXX. The customer service team waived all the fees after reviewing my nearly XXXX history of on time payments and understanding the results of all of the unfortunate delays.
My credit score is XXXX. Payments are never sent late to anyone ever. The posting of a late payment by Caliber Home Loans has left a significant impact on my clean credit. It was a series of unfortunate events that pushed my payments just past the XXXX period. In speaking to the Customer Service team, and the Supervisor, they told me that my only option was to send a letter to the Caliber Home Loans Credit Department by mail and ask for your help and review of the issue. I asked for their help in erasing this late payment. Review my history with the Caliber Home Loans, the calls and immediate action I took when I received the notice.
The send me a letter on XX/XX/2019 and refused to make any changes. This has left a significant blemish on my credit score that I would like to have removed. It is impacting my ability to get the very best rate on a refinance.
Thank you,
|
| 02/04/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Through a clerical error which led an insurance agent to believe that Caliber Home Loans was an escrow agent for said loan, renewal documentation and invoice for a home insurance renewal policy was sent to Caliber instead of borrower.
Caliber was aware that they were in possession of the renewal invoice, but withheld that information from the borrower. Caliber failed to notify borrower that Caliber had received the renewal invoice, and Caliber failed to notify the insurance agent that they were not an escrow agent for the account.
As a result, the insurance expired on XX/XX/XXXX.
The borrower received no notices from Caliber until XX/XX/XXXX.
Caliber failed to provide the legally required notices under 12 CFR 1024.37 The borrower immediately arranged for new insurance but due to a lapse in coverage greater than 30 days, borrower was unable to continue uninterrupted coverage and a new policy was initiated on XX/XX/XXXX.
Caliber was sent proof of insurance no less than 5 separate times, but in each case, Caliber failed to cancel the FPI policy within 15 days as required by 12 CFR 1024.37. Further, Caliber continued to make a false statement of fact that no proof of insurance had been received, despite the fact that it had been provided multiple times, including by certified mail return receipt.
Additionally, Caliber claims that because they purchased the FPI policy, it automatically triggered the creation of an escrow account, which now can not be removed because the mortgage is securing an FHA loan.
Caliber claims that all legal notices were mailed, but can provide no proof of mailing, such as a postal receipt, certified receipt, or return receipt. Therefore, the forced-place insurance policy was purchased illegally, and the corresponding escrow account is invalid and should be removed from the loan.
Borrower continued to make timely Principal and Interest payments on the loan. On XX/XX/XXXX borrower received a Notice of Default from Caliber, sent by certified return receipt for non-payment of the disputed escrow charges.
It is the borrowers belief that Caliber willfully and intentionally withheld information from borrower which would have allowed the existing insurance to be renewed without any lapse of coverage. Further, it is the borrowers belief that Caliber did this so that they could purchase a higher-cost forced-placed policy in order to force the borrower to escrow insurance for the remaining duration of the loan, require additional payments each month, to be kept in an interest bearing account for which Caliber retains said interest.
Borrower has had numerous discussions with Caliber over the past six months, but has received no satisfaction, and will be initiating legal action if the matter is not resolved immediately.
|
| 01/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I was in a Chapter XXXX bankruptcy with payments being made timely. However, there was miscommunication with staff from my attorney 's office. I had met with the atty 2 weeks before a scheduled court date, but my understanding was that I did not have to appear at the hearing for XXXX. As I was not there, the hearing was rescheduled, but I was not notified of the rescheduled date a month later and the bankruptcy was dismissed. The bankruptcy was simply to hold off Caliber Home Loans from foreclosing. I had been a repayment modification and payments were being made, but received a default notice stating I was not following the plan - the information was not consistent with information on the automated system or website. Caliber immediately went to foreclosure and I once again entered Chapter XXXX to stop the foreclosure.
This time, the bankruptcy was dismissed XX/XX/XXXX and I spoke with Caliber about loss mitigation as my income had increased substantially to see if that was an option - I was told it was. I received a packet at my home on XX/XX/XXXX, and had spoken with a represenative twice with the final call discussing financial information on XX/XX/XXXX and had received a loss mitigation package on XX/XX/XXXX. My bankruptcy atty had also received a packet at their office to forward to me on XX/XX/XXXX for loss mitigation. I submitted the packet on XX/XX/XXXX by fax as the system was no longer operational for me to upload documents. When checking the status again this morning XX/XX/XXXX to see if the process was started, I was still locked out. I was informed today by Caliber that there is a foreclosure date of XX/XX/XXXX ( confirmed with XXXX XXXX XXXX who are handling the foreclosure ). The representatives including a supervisor advised that Caliber had been in error in sending out the Loss Mitigation package as Caliber requires 37 full days to review a Loss Mitigation package once they confirm it is complete ( there is a review time for them to consider it complete ) before a foreclosure date. I argued that I had postmarked documents and emails with Caliber representatives and that there were only 40 calendar days from the date of the Chapter XXXX dismissal to the foreclosure date so in actuality it would never have been possible. I was advised they could reprimand the individuals who discussed loss mitigation and forwarded the documents to me and my bankruptcy attorney as there was never enough time for them to review, but there was nothing else they could do. I have no other option but to consider Chapter XXXX AGAIN or lose my home. It just so happens that in the last 3 years the property values for my area have almost quadrupled, but it is difficult to sell and find another home in the meantime due to the Chapter XXXX on my record.
|
| 12/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
We listed our house on the market XX/XX/XXXX. We received a offer with a pre-approval from XXXX XXXX at XXXX XXXX for this buyer. We then accepted and contracted with the buyer with original closing date set for XX/XX/XXXX. Buyer agreed to extend until XX/XX/XXXX due to us making arrangements for a offer on a house to purchase. Ms. XXXX apparently switched jobs and began working with Caliber Home Loans in XX/XX/XXXX. We were unaware of this change and that she was taking our buyers loan with her which started his loan process over. The week of closing we began to get information of the buyer going out of state for a death in the family and may not be back in time to close on that Friday. Due to the house we were purchasing we really needed to complete our closing on time. The next 48 hours were spent getting our buyer a power of attorney approved to sign on time due to the closing disclosure had not been signed until late Tuesday afternoon so we could not sign before Friday. Once we had POA approved Ms. XXXX then stated as of Thursday the buyers ssn was " flagged '' and they were working on getting his ssn cleared. We were told multiple times they were still moving forward to close on Friday resulting in us and our sellers of the new purchase to take time off work and schedule movers and load uhauls. We were scheduled to close at XXXX Friday needless to say we were not able to do that. We were told multiple times we would close by end of day. We did not close at all that Friday which resulting in both families scrambling costing both families alot of money. Going into the weekend we were assured we would close Monday. So again we all make arrangements for Monday. By mid-morning we were being told we had a clear to close and was waiting on the " packet ''. Shortly there after we were contacted that our buyer had been denied and the purchase was canceled. Due to errors, negligence, misinforming realtors involved, and honestly just flat out lying about the details behind this loan we spent and lost 1000 's as well did our seller of the new home who also was unable to close on their new house in another state. This was the beginning of almost a month of stress, financial burdens, and uncertainties of the sells of any of the properties tied into this situation. Ms. XXXX nor her partner XXXX XXXX took any ownership in the errors and offered zero help or apologies to assist in the situation. Thankfully we had another local bank get involved and took proper steps in getting our buyer approved and we were able to close XX/XX/XXXX. Again, we were unable to recoup any of the loss in wages, expenses spent moving the first 2 dates we were given to close. We just want others to be warned to be aware when using XXXX XXXX and or Caliber Home Loans.
|
| 09/17/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
This is the letter I sent to them XX/XX/2020 which explains my problem with them.
XX/XX/2020 Caliper Home Loans Re : Loan # XXXX Re : Refinance Loan # XXXX Dear Caliper, This is in regard to a Loan Refinance we were offered XX/XX/2020. I was told we qualified because we had not been late for over a year. Interest rate would go from 4.75 to 2.75. Great.
What this refinance would do is not only give us a mortgage payment of {$500.00} less per month but would also give us a free month before our first payment. Because of the Covid19 Virus prices and expenses have risen dramatically. We also had family that was hit hard and did not received income for a while.
And because we knew we were going to get refinanced, we sacrificed our emergency money to help them. We would have a month grace period before first payment so we would be able to take that months payment and put in the bank. We would have our emergency funds back. Also with a {$500.00} less a month payment it would allow us to save. Finally getting something that would help us maintain our finances. But that did not happen.
We were shooting for an end of XXXX closing date. All papers needed for closing for the title company did not happen until mid-XXXX. Ok no problem. We close end of XXXX. That did not happen because it was discovered that another document needed for closing had not arrived. My loan processor told me that she was told it was supposed to only take 15 days to get this. As far as I know they are still waiting for this to show up.
So now we get to XXXX. Still no word on a closing date. Then our family had an emergency that made us late on our XXXX payment. Had AC repairs that had to be paid. If the refinance had closed not only would we have not been late, but we would have had our emergency funds back.
Then I get a call from XXXX XXXX XX/XX/2020. I thought finally getting a call about a closing date. Instead all we got was Oh! We see where you had a late payment for XXXX so we cant give you a refinance now. What! We should have closed on this loan in XXXX or XXXX. We started this process XX/XX/XXXX. We were not late for XXXX or XXXX. And even with a late XXXX payment, all you can tell me is Sorry? What I expected is you to tell me that although we were late for XXXX and the document we needed to close should have been here a month ago, we are not going to hold that against you. We can still close on the loan.
A lot of companies including yours makes statements like, We Are Here to Help You. Well this was the help we needed. And as far as I am concerned you failed us.
The only thing this almost refinance managed to do was put us back in a late status. Thanks a lot.
XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX
XXXX, MD XXXX XXXX Cc : HUD Cc : CFPB
|
| 02/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX, XXXX and Complaint against " Caliber Home Loans, Inc. " ( a fictitious name used by XXXX XXXX XXXX XXXX and XXXX XXXX as a cover up ) and XXXX XXXX XXXX, an XXXX XXXX who operates massive Ponzi Scheme via sham conduits - XXXX XXXX and XXXX companies who collect all my money and who forged documents to steal my home.
On XX/XX/XXXX " Caliber '' ( dba XXXX, aka XXXX XXXX ) provided evasive and full of lies respond to CFPB saying that " Caliber '' was a Servicer for my alleged " loan '' who purportedly " processed '' my payments, charges and advances while " Caliber '' was a " Serviver '' of my " loan ''.
First, Caliber never was a Servicer of my alleged " loan ''. The REAL servicer was XXXX XXXX, XXXX ( former XXXX XXXX XXXX XXXX XXXX ) who acted under instructions from XXXX XXXX who used XXXX XXXX XXXX XXXXXXXX XXXX as an intermediary.
XXXX XXXX XXXX XXXX used name of " Caliber " as a cover up.
Second, Caliber [ read : XXXX ] never collected or processed any of my payments. It was done by XXXX XXXX XXXX who collected all my money and deposited them with XXXX XXXX XXXXXXXX. If XXXX did it- and it was admitted in writing, then Caliber did not do it.
" Caliber '' [ read : XXXX ] claimed that the servicing RIGHTS [ not actual servicing activitirs ] were transferred from faux " servicer '' Caliber [ read : XXXX XXXX XXXX XXXX ( whose address is XXXX XXXX XXXX XXXX XXXX, XXXX TX ) were " transferred '' to fictitious corporation XXXX XXXX XXXX XXXX XXXX, a single member XXXX incorporated by XXXX XXXX as a cover up for XXXX, XXXX hedge fund, Caliber and XXXX are both reformed XXXX XXXX, " accrued '' by XXXX XXXX XXXXXXXX in XXXX and restructures into a chain of faux companies who play roles of " servicers '' - without any servicing activities..
" Caliber " claimed that they provided " legit documents '' realted to my " ; loans '' such as forged XXXX from faux " lender '' XXXXXXXX XXXX XXXX " Caliber '' on XX/XX/XXXX ( which " Caliber '' refuse to admit ) ; and undated forged Allonge where " Caliber '' " transferred '' to someone " loan '' which belonged to " XXXX '' according to " Caliber '' 's own words I demand disclosures based on which authority " Caliber '' prepared undated XXXX where they transferred XXXX '' 's loan.
I demand disclosures when this Allonge was prepared, and to WHOM " Caliber " transferred this Allonge I demand disclosures WHOM " Caliber '' was servicing all this time if XXXX has no records of Caliber 's servicing, proven by XXXX official responses I demand disclosures WHO authorized transfer of " Servicing rights '' from XXXX XXXX " Caliber '' [ XXXX XXXX ] to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the name of an individual employee at Caliber [ XXXX XXXX who approved this transfer
|
| 04/23/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
This complaint is against Caliber Home Loans. They bought our home mortgage loan from XXXX effective XX/XX/XXXX with Caliber assuming service on the loan on XX/XX/XXXX. We had lengthy difficulties with XXXX. These difficulties seem to have been transferred to Caliber. Caliber has been unable to sort things out and communicate with us on a timely basis. The specific points of contention are:1. XXXX told Caliber that they paid our homeowner 's insurance because they say we let our homeowner 's insurance lapse. This was totally false and we provided documentation from XXXX showing that our homeowner 's insurance never lapsed and was up to date. Those documents were also faxed to Caliber on XXXX XXXX, 2015.
2. XXXX informed Caliber that they paid our property taxes for XX/XX/XXXX. This is totally false and we provided receipts showing that we paid it. Those documents were also faxed to Caliber on XX/XX/XXXX.
3. Caliber started calling us in XX/XX/XXXX telling us we owed them either {$8000.00} or {$10000.00}. This was a combination of the homeowner 's insurance, property taxes and they said we were behind in payments per the information they received from XXXX. We faxed them documents on XX/XX/XXXX that included letters from lawyers at XXXX ( XXXX in XX/XX/XXXX and XXXX in XXXX ) that stated that we were current and up to date with all payments. We also faxed cancelled checks for all mortgage payments for XX/XX/XXXX demonstrating that we were actually ahead of our schedule of payments.
4. We sent with the documentation on XXXX a letter of complaint asking for the matter to be resolved after speaking with a manager named XXXX in the Caliber complaint department. They also indicated that while it was being investigated they would cease their harassing phone calls.
5. They said they would respond within 30 days. On XXXX XXXX having not heard from them we called customer service. At first they were unable to find any record of our complaint or the XXXX pages of documentation that we faxed in. When they did find the information they were unable to connect us with their complaint department. We requested a response from them by phone by Wednesday, XX/XX/XXXX. They have not responded.
We are asking that they update their records to show that no taxes were paid by XXXX or Caliber, no property taxes were paid by XXXX or Caliber. Any money applied to " pay '' for these taxes be applied toward the principal of the mortgage in addition any interest is to be adjusted. Any late fees must also be removed from our account and interest adjusted. We have had extreme difficulty getting records concerning our account from Caliber and what we did receive was very confusing because the information they have from XXXX is very confusing.
|
| 02/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My mortgage with XXXX was transferred to XX/XX/XXXX to Caliber Home Loans. I was not aware of this til XX/XX/XXXX of the transfer, effective for XX/XX/XXXX. I have never in the course of my mortgage contract missed a payment to XXXX, nor later Caliber. XXXX accepted my monthly payments and I noticed XX/XX/XXXX that my XX/XX/XXXX payments were placed into an UNAPPLIED CASH ACCOUNT. I went to XXXX in person, called and sent written communications to XXXX, then Caliber outlining the issues, without receiving resolution. XXXX refused to correct the mis-applied funds. Caliber XX/XX/XXXX demanded payments from XX/XX/XXXX and demanded that I also fund ESCROW. I had always paid my County taxes directly and had done so for XX/XX/XXXX. Double payments made, and the County sent the over-payment funds to Caliber. Add insult my account was not credited. Litigation was inacted XX/XX/XXXX since Caliber refused to apply my mortgage payments, instead placed all my payments into escrow and unapplied funds. A settlement was made and Caliber was to correct the account and make current by XXXX. They failed and refused to acknowledge the errors and apply the funds. I continue to make monthly payments which are not applied to date ( XX/XX/XXXX ). XX/XX/XXXX my checks are either returned to me with a note that they will not accept payment, or sometimes cashed but not applied to my account. I recieved a notice from a Mortgage Rescue company that made me aware that Caliber unlawfully filed for foreclosure, listed my occupied home for auction placed my home on the market for sale on XXXX, without notice or court approval. My attorney was contacted and Caliber refused through counsel to rectify. Law suit filed in XXXX XXXX Ohio XXXX for breach of contract, fraudulent mortgage practices, intent to defraud me of my home, XXXX, financial and personal damages. They have ruined my credit, caused me additional losses with taxes and deductions, unable to refinance or obtain credit due to the negative reporting, the stress and fear of losing our home. The attorney fee ( s ) over the last three years to fight this unlawful mortgage practice of defrauding homeowners. If you like a copies of the monthly communications to Caliber they are available, including the contact information for my attorney. I have checked and Caliber has been sued, prosecuted and repeatedly done this to homeowners. I am sure that XXXX has been swapping out Mortgages which is all part of the mortgage crisis created with the intent to defraud and divest honest homeowners. XXXX Bank sells the mortgage to fill their coffers, then gives to a collector like Caliber to literally steal the home since there is considerable equity.and low mortgage balance. I would appreciate your assistance.
|
| 12/27/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Caliber Home Loans has engaged in the prohibited pattern and practice of XXXX Foreclosures. The new and old lenders have colluded and conspired to do a XXXX Foreclosure. Caliber Home Loans is effectively acting as servicing arm for XXXX, a private equity vehicle packaging up XXXX of dollars worth of troubled mortgages. XXXX has packaged lots of funds, but the most recent significant ones are XXXX XXXX Master Participation Trust and XXXX XXXX Master Participation Trust. Based upon the information that I 've gathered, it appears XXXX sold its interest to XXXX Master Participation Trust while the loan was subject to a foreclosure lawsuit originated by XXXX. Instead of discontinuing the lawsuit, or substituting XXXX Master Trust as a plaintiff, XXXX has continued the Foreclose lawsuit under the representation that it is the owner of the loan without notifying the court that the ownership has changed.
On XXXX XXXX, XXXX, XXXX was [ n ] ot licensed or registered to operate in the State of New York according to the New York State of Department of Financial Services ( DFS ). XXXX is claiming to be the owner and holder of the note and mortgage on XXXX XXXX, XXXX. No documentary proof exists showing XXXX was actually the owner and holder of the note and mortgage at the same time. Caliber Home Laons stated that XXXX was the previous servicer of the loan. This is not true and patently false. ( emphasis added ) XXXX was never yhe previous servicer of the loan.
XXXX. ( " XXXX '' ) is a Delaware corporation and an affiliate of XXXX XXXX XXXX with headquarters at XXXX office in New York. XXXX was the sponsor of the XXXX transactions described in this Order. As sponsor, XXXX purchased mortgage loans from originators and sold them to depositors for resale to the XXXX trusts.
On XXXX XXXX, XXXX, the Securities and Exchange Commission ( " Commission '' ) issued an Order Instituting Cease-and-Desist Proceedings Pursuant to Section 8A of the Securities Act of XXXX and Section 21C of the Securities Exchange Act of XXXX, Making Findings, and Imposing a Cease-and-Desist Order ( " Order '' ) against XXXX ( " XXXX '' ), XXXX., XXXX, XXXX, and XXXX ( collectively, " XXXX XXXX '' or " Respondents '' ).
In the Order, the Commission found that the Respondents engaged in misconduct including misrepresentations or omissions in the offer or sale of residential mortgage backed securities ( " XXXX '' ) relating to two undisclosed business practices that violated Sections 17 ( a ) ( 2 ) and ( 3 ) of the Securities Act of XXXX ( the " Securities Act '' ). 15 U.S.C. 77q ( a ) ( 2 ) and ( 3 ).
Caliber Home Loans has also violated PART 1024 -- REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ) Subpart C -- Mortgage Servicing XXXX, XXXX and XXXX.
|
| 04/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I contacted Caliber Home Loans to take advantage of low-interest rates and re-finance her home loan. For the past 8 months, XXXX has either lost information or passed the information to different departments whereas they keep asking me for the same information that she has submitted several times. The loan was supposed to close escrow in XX/XX/XXXX and yet, in XX/XX/XXXX they keep asking for the same information.
XX/XX/XXXX : I contacted Caliber Home Loans to start the refinance process and submitted an application.
XX/XX/XXXX : I submitted all paperwork requested.
XX/XX/XXXX : Title company contacted me regardng process.
XX/XX/XXXX : I signed disclosure statement and locked in her loan rate. Sent payoff request form and title information to title company. Later in XXXX, the title XXXX called to let me know that escrow would be contacting me directly to set up a date to sign loan docs. The title officer said the title was the last issue to resolve before closing escrow and since everything looked good, there would be no other delays.
XX/XX/XXXX : Still waiting to sign loan docs, no one from XXXX contacted me so I called XXXX asking what the status of the loan was. The loan XXXX I was working with transferred to another department and he had to transfer his loans to someone else and had caused a lot of issues at XXXX at no fault due to me. He said he would get the loan docs ready as soon as possible. I re-sent current paystubs and bank statements that XXXX requested.
XX/XX/XXXX : XXXX sent new disclosure statement that was inaccurate from the loan lock that I signed in XXXX. It was incorrect because it showed me paying points when I was not paying any points when I locked in her loan. I contacted the loan officer and he said there was a " glitch '' in XXXX 's system and that he would fix the problem and send a new disclosure statement.
XX/XX/XXXX : Still waiting, I received an email from a second loan officer at XXXX stating that now she needed to again, for a 3rd time, to send additional documentation. I contacted my original loan officer telling him this was ridiculous and why do they keep asking for more paperwork when the loan should have closed in escrow in XXXX. He said he expedite the loan process.
XX/XX/XXXX : The second loan officer called and emailed me again asking for one year 's statements of evidence that I had been paying my mortgage. Why? I authorized the title company to request a payoff from her lender back in XX/XX/XXXX. I spoke to the original loan officer and told him I have exhausted all my efforts with the loan.
I believe XXXX is harassing me. I have, multiple times, given the paperwork asked for by XXXX and they give no explanation as to the delay in closing the loan.
|
| 07/12/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I received from XXXX Country Tax Claim Bureau on XX/XX/XXXX a " Notice of intent to Asses Attorney Fees '' by certified mail because I have a delinquent taxes due {$3500.00}. I send to Caliber Home Loans copy of this letter by certified mail and by the system. Then I call to see what happened with my property taxes. They tell me that open a research and after 1 1/2 months ( final week of XXXX XXXX they tell me that all the taxes have been pay by Caliber Homes including the penalties fees. I request a copy of the payment but never send me this. Next I received from XXXX Country Tax Claim Bureau on XX/XX/XXXX a " Second Notice of intent to Asses Attorney Fees '' by certified mail. I sent to Caliber Home Loans copy of this letter by certify mail and by the system. I call again and they tell me that the property taxes has been pay in full. Then I received a letter with analysis date XX/XX/XXXX from Caliber Homes Loan th e same requires me to pay {$3000.00} for the escrow account. I am writing a letter back to require a correct analysis of my escrow account that has been misused by Caliber Homes Loan.
My Analysis of the Taxes that I send to Caliber in the letter : 1. The taxes for XXXX ( according to invoices ) were {$690.00} ( county & municipal ) + {$2200.00 } ( school ). For a total of {$2800.00} before XX/XX/XXXX . You debited from my escrow account on XX/XX/XXXX the amount of {$1600.00} ( city/town/township ) and on XX/XX/XXXX he amount of {$2000.00} ( school ). For a total of {$3600.00}. There is a difference of {$780.00} that you took out of my account. 2. The taxes for XXXX ( according to invoices ) were {$1600.00} ( county & municipal ) befor e XX/XX/XXXX + {$2000.00} ( school ) before XX/XX/XXXX for a total of {$3600.00}. You debited me from my escrow account in XXXX XXXX the amount of {$1700.00} ( city /town ) + {$2900.00} ( city/town ). For a total of XXXX taxes of {$4600.00}. There is a difference of {$980.00} that you took out of my account. I send to Caliber Homes Loans a certified letter on XX/XX/XXXX explaining all of this and requires the immediate correction of this. I never received a call or letter from Caliber and still have in the web site my new increase payment on my loan. Is very important to let you know that I 'm never pay late my home and I am not responsible for taxes penalties. I call Caliber Homes yesterday to follow up my letter again and they tell me that my property taxes has been increase and that 's why. I tell the lady that talk to me that is impossible because I have a homestead exclusion in this house and they have copy of that.
|
| 05/16/2018 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Dear Sir or Madame, I am a university professor and am under contract to sell my home and purchase a new home that would significantly improve my commute.
I applied for a mortgage with Calibar Home Loans. I initially received a pre-approval letter. My contract to sell includes a contingency clause to back out for failure to complete the purchase but includes a {$2000.00} penalty to do so. I entered into this agreement only after having consulted with my loan consultant regarding risk. He suggested there was " none ''.
I later received an approval for an FHA loan ( attached ). It was presented to me as a " commitment ''. It was presented to me a month before the anticipated closing date of XX/XX/. A week and a half ago, the mortgage consultant I was working with suggested that my " commitment is very clean ''. I presented it as such to my attorney, who, in turn, presented it as such to my seller and buyer.
At the eleventh hour, the month of the closing and after having presented me with an FHA anchored loan commitment, Calibar tells me that they made a mistake and that my student loan debt creates an untenable situation with DTI ratios. Having been through FHA mortgages before, I was well aware of the historical complications with respect to ( and changes made to guidelines respective to ) the calculation of Income Driven Repayment ( IDR ) and Income Based Repayment ( IBR ) payments. Before even proceeding with the loan application, I flagged this issue for discussion with the loan consultant. He told me in no uncertain terms that the calculation was currently based on the monthly payment made reported on the credit report. In the end, Calibar is now stating the proper calculation is to take 1 % of the debt and amortize it as a 30 year loan and use that hypothetical monthly payment for underwriting purposes.
I have good credit ( XXXX FICO ). I have consulted with an outside mortgage broker and they are optimistic that they can find an investor so long as my partner ( Civil Union NJ ) is included in the application. Calibar said they won't underwrite my partner. The problem, of course, is the time this will now take and whether all parties are willing to wait.
I wrote executive officers on XXXX and was promised communication at the executive level. I never received this.
In short, I have been put in a very precarious situation due to Calibar 's *very basic and documented error* and Calibar should be doing everything they can to close the loan. They carry portfolio loans and sell their own products.
I am starting to wonder if my name weren't XXXX and if I weren't in a XXXX relationship if I would be treated with such disregard.
I look forward to a resolution to this situation.
|
| 02/26/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
My mortgage servicer Caliber is making false and fraudulent claims to me, to Congressman XXXX XXXX 's office and also to your agency. I filed a complaint against Caliber relating to my FHA mortgage loan a few weeks ago. Caliber says one thing in the letter, but the reality is something different and their agents tell an entirely different story. The bottom line is that Caliber has continually refused to conduct an ACCURATE review of my household 's entire financial circumstances and instead puts together bits and pieces. They claim transparency yet never disclose the figures that were used in their calculations. I work full time, my husband works full time and contributes 100 % of his income and my son receives SSI as well. Caliber 's claim that there are not any FHA homeowner assistance programs that we qualify for is demonstrably false. The numbers don't add up, the math just does not work, and I know that there are options such as partial claim or repayment plan that they don't even address, besides loan modification or special forbearance. Their response reaffirms all of my claims about their obstruction of this process. I am being denied access to government programs that should be made available to homeowners in my situation.
After filing complaints against Caliber with your organization I was finally able to get someone to pay attention to me. I was told on XXXX XXXX that they were willing to review me for a modification, and I quickly got all of my paperwork together and sent it in. Just a few days later I was told that now Caliber was REFUSING to review the information because I had a sale date on XX/XX/XXXX. Why would their agent tell me that I should hurry to get my information in for a review and then once they have it refuse to even look at it?
When it became obvious that Caliber was hell-bent on selling my home and not giving me a chance to resolve this matter I was forced to file bankruptcy. Amazingly, they begrudgingly agreed to begin working on my file again. However, I once again ran into issues as their agents were falsely claiming that many documents were missing. I got on the phone at XXXX XXXX XXXX and spoke with XXXX. After a very lengthy phone call and a heated discussion she went through all of the uploaded documents and found that ALL of the requested documents were there.
This company is a joke. XXXX is deliberately denying access to programs such as loan modification, partial claim, special forbearance and repayment plans. We have more than enough income to qualify for one of these programs, but they are more interested in foreclosing and cashing in on the insurance. That is not going to happen, we already have HUD investigating their servicing practices.
|
| 01/28/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
My home Loan was sold from XXXX to Caliber Home Loans in XX/XX/2015. It has been nothing but a uphill battle and I have been doing everything possible to remain in my home. I keep getting the run around with Caliber by getting told to talk to a different department, person, call different numbers, requested to fax this document etc. all of which I do. I went to my bank and they requested from Caliber a pay off amount in hopes to refinance and get away from them and they received no response. They did research on loan with Caliber and suggested I contact an Attorney which I did. The attorney requested an pay off amount for the loan and he also did not receive an response. I did have a conversation with caliber one of many and was told that they needed written permission to communicate with anyone regarding my account with them so I faxed them my consent. I then received a letter from Caliber stating that they were going to cease communication because I obtained an attorney. My attorney faxed them another letter stating that is not what we are trying to do. We want communication! So my next step in hopes of clearing this mess up was to contest the XXXX account numbers and loans that are associated with my mortgage and Caliber asking them who, when, and how much the loans were and provide supporting documentation. We still have not received anything. In the mean time I receive a letter every month that I am in default and at risk of loosing my home. I am told by one Caliber department to ignore that letter as it is generated by another department and that I am dealing with another department. Caliber stated that I was also behind in my taxes and asked me to provide the last 5 yrs. showing the taxes being paid so I faxed them to them. Last year I paid both county and school taxes and Caliber paid them because they were not going being paid on time.I was unable to get my money back from the county and was told the check from Caliber was sent back to them. When I contacted Caliber and informed them of what happened I got the run around. It was not until 3 weeks ago and numerous phone calls over a 2 year period that I was finally able to get online and see my account. Apparently there was a block on my account. I never received receipts, paper statements, balances, etc. I would mail my payments every month to Caliber with my account number for one loan. In the letter I recieve once a month stating that I am in risk of foreclosure there is an amount that states the outstanding debt is a lot less than the amount that appears on Calibers website when I log onto my account. I can not get anywhere with Caliber and can not begin to tell you what this has done to my health but will continue to try.
|
| 03/24/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
Older American |
|
On XX/XX/XXXX, there was a fake closing on my property which I was the seller with no funding. The Title Attorney/Escrow Officer for XXXX XXXX XXXX XXXX orchestrated the deception and fraud is XXXX XXXX XXXX XXXX Her location is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX, email : XXXX. XXXX XXXX of XXXX XXXX XXXX, XXXX was the Investor/Buyer in this closing. XXXX location is : XXXX XXXX XXXX XXXX, XXXX, TX XXXX, email : XXXX. XXXX and XXXX engaged in constructive fraud by misrepresenting a closing on XX/XX/XXXX in which they both knew there was no funding. The continued the deception by fraudulent non-disclose of material information including the closing records, proof of payoff. XXXX breached her duty of care and fiduciary duty to XXXX by failing to advise the XX/XX/XXXX closing was not legal. XXXX engaged in selling the property, again, from XXXX to another Investor Buyer, XXXX XXXX, of XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX address is : XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX, email : XXXX. XXXX XXXX, an Attorney, sent me a letter in XXXX stating that she purchased the property from XXXX on XX/XX/XXXX and knew that the XX/XX/XXXX closing had no funding. XXXX bad business practices included misappropriating of funds. XXXX recorded false security instruments, General Warranty Deeds executed on XX/XX/XXXX and XX/XX/XXXX to be recorded by a government agency, the XXXX XXXX Clerk, XXXX XXXX XXXX, of XXXX Texas on XX/XX/XXXX and XX/XX/XXXX respectively. XXXX intentionally filed the XX/XX/XXXX instrument after the XX/XX/XXXX closing was done and waited three weeks to file the XX/XX/XXXX closing so it wouldn't affect the chain to title on the property. XXXX knew that her conduct was contrary to my interest. Her actions incited me to vacate my property when it property was not legally sold so it may be illegally transferred. XXXX unprofessional conduct, fraudulent and deceptive actions caused me financial and mental damages. The Creditor, Caliber Home Loans , Inc., XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX refuse to send a copy of the check/wire that paid off the debt. There is no way to see what was paid off and/if a Short Sale was negotiated or the payoff was renegotiated since I had disputed the amount. I would not have sold my property to XXXX XXXX if I did not close on XX/XX/XXXX. XXXX took that option out of my hands when she misappropriated funds and property on XX/XX/XXXX. I have never received a closing package from XXXX. The only document I received was a HUD Settlement Statement in XX/XX/XXXX which has the XX/XX/XXXX closing information which is not true. The XXXX, XXXX XXXX, confirms she did not fund the property on XX/XX/XXXX or ever.
|
| 06/23/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I have been working with Caliber Home Loan since last XXXX, received a preapproval by XXXX. She was a great person who provided a lot of information. She kept me updated on status and kept me in informed of things that may arise. I decided to go with a new build which happens to have Caliber as their preferred lender. My open file would then transition over to XXXX ( loan consultant for new build ) on XX/XX/XXXX. XXXX and I spoke briefly, indicated that parents will be gifting a large down payment. I feel as if XXXX did not do anything to recheck my file, nor did he communicate the urgency for specific documents ( if it was needed ). I did not get a red flag from the Loan Consultant, nor the Sales Agent ( who accepted my pre approval letter ). On XX/XX/XXXX the Sales manager cancels my purchase agreement because " I did not have a pre approval on file ''.
I feel like there is some kind of miscommunication between the loan consultant and seller and I am being penalized with this loss. Seller is refusing to reinstate my purchase agreement, the house is now back on the market for a higher price. I'm a qualified buyer. I've gone through two different lenders who have given me a pre approval ( one already approved ). I went back to the Caliber Branch manager to demand that they redo my file. He reassigns me to XXXX again on XX/XX/XXXX. I've provided documentation as requested again. It is XX/XX/XXXX and I am still having to follow up with on a status with XXXX. Below is a timeline of events with the loan.
- XX/XX/XXXX Received preapproval letter from XXXX - XX/XX/XXXX Signed purchase agreement for new build and deposit XXXX ( sales agent to request loan docs be transferred to XXXX ) - XX/XX/XXXX Finalized upgrades, provided additional {$5800.00} - XX/XX/XXXX Seller cancels purchase due to " not having a pre approval on file '' - XX/XX/XXXX Addressed complaint to Caliber branch manager XXXX, demanded that they re do my file again. XXXX stated he will have XXXX re run my file.
- XX/XX/XXXX XXXX emails with list of documents needed, I provided documents and asked that he kept me in the loop on status - XX/XX/XXXX I provided more documents - XX/XX/XXXX XXXX indicates he can not open one of the docs, I resent the doc - XX/XX/XXXX I followed up to see if he was able to open the doc, asked for a status - XX/XX/XXXX Followed up on status again as XXXX did not reply to previous email - XX/XX/XXXX XXXX indicates he still needs all of the documents. I only provided the XXXX tax return - XX/XX/XXXX I replied, there are several documents attached to this email already. I attached the same documents and asked that he kept me in the loop if he was running into any problems opening the file.
|
| 02/16/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Hello, my name is XXXX XXXX and I have owned my home in XXXX, New Jersey for 33 years. I am facing a foreclosure auction next month because the company that owns my mortgage Caliber Loan Servicing is refusing to consider any options or giving us a chance to save our home. We know that Caliber could work with us and do something to lower our interest rate ( currently at XXXX % ) or even change the term of our loan ( only 10 years left in the term ) to make the payment more affordable but they refuse. This problem began when the loan was with XXXX ( part of XXXX ). You see I had worked for 40 years as a XXXX but during the financial crash in XX/XX/XXXX I lost my job. I could not find work and survived on unemployment and drained the XXXX that was supposed to be my retirement in order to keep the lights on.
We began reaching out to get some help for the mortgage at that time but were told the only option was a repayment plan which was temporary and raised our monthly payment. XXXX claimed that since they were not a United States bank and did not take bailout funds that they did not have to help us or work with us. This was heartbreaking and seemed extremely callous. I was not surprised when I found that they were fined XXXX dollars by the government for their unethical foreclosure and business practices. I finally went back to work in early XX/XX/XXXX. I resumed making my mortgage payments until I was laid off of my job about a year ago. During this time period the loan was transferred to Caliber. I once again fell behind on the mortgage and have not been able to find any full time employment ( working doing XXXX work and receiving some unemployment ) that would allow me to resume making my full mortgage payment.
When that happened I began trying to engage with the agents at Caliber but have made no progress and feel that they are purposely obstructing me from available options in order to push me into foreclosure. I want Caliber to review my current financial circumstances in order to qualify me for any government or internal programs that they have. I am certain that they have the ability to modify this loan by extending the term or lowering the interest rate from XXXX % in order to make this affordable, yet they continually turn your back on us. I also believe they have the option to forgive delinquent interest or to wrap it back into the balance of the loan or even defer it till the note comes due. Why wo n't Caliber even consider these options or give us the time of day? Now they have set a sale date for XXXX XXXX. I know we are behind on the loan, but we expect that Caliber at least provide options for saving our home and to communicate with us regarding these options.
|
| 12/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Complaint and QWR.
Caliber never responded to my simple question WHO authorized and released the servicing rights from XXXX XXXX XXXX XXXX and transferred to Caliber.
Who authorized and released on XX/XX/2019, the servicing rights for the Loan from Caliber and transferred to XXXX XXXX XXXX XXXX XXXX XXXX
I want to clarify I am not making any inquiries about origination, underwriting, subsequent sale or securitization, or any determination to sell, assign, or transfer the servicing of the Loan ; or an assignment of a mortgage.
I am asking to disclose the NAME of the company and the name of its individual officer, with his/her direct contact information who authorized the release of servicing rights from XXXXXXXX XXXX XXXX XXXXXXXX to Caliber Home Loan , Inc. and who appointed Caliber as a Servicer.
I am asking to disclose the NAME of the company and the name of its individual officer, with his/her direct mailing address and direct phone contact information who released on XX/XX/2019, the servicing rights for the Loan from Caliber and transferred to XXXX XXXX XXXX XXXX XXXX XXXX
The problem with Calibers statements is that they are the equivalent of saying that if my alleged Creditor hire an employee, someone else can take that employee 's place without my alleged Creditor knowledge or consent.
It simply does not work that way. Agents do not appoint themselves or create powers for themselves. That is ALL ( no exceptions ) done by the principal for whom they are acting.
Any company that is claimed to be a " servicer '' or who has allegedly participated in a transaction regarding the servicing of a collateral account ( unpaid loan account on the ledger of a creditor ) MUST be acting on the express authorization of that creditor.
I am asking Caliber to identify the NAME of the CREDITOR and direct contact information for the individual officer of my CREDITOR who authorized the release of servicing rights from XXXXXXXX XXXX XXXX XXXXXXXX to Caliber Home Loan , Inc. and who appointed Caliber as a Servicer.
I am asking Caliber to identify the NAME of the CREDITOR and direct contact information for the individual officer of my CREDITOR who authorized the release of servicing rights from Caliber to XXXX.
So when a XXXX company who filed these letters with CFPB says that a company Caliber- is a " servicer '' that does not make the company a servicer, agent or authorized to act on behalf of anyone. It is an assertion or allegation which is only implied.
I am asking for the FACTS - identify the NAME and direct contact information of the Company and its individual employee who authorized and released servicing rights from XXXX to Caliber and from Caliber to XXXX.
|
| 12/27/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I was on a forbearance plan with Caliber Home Loans starting XX/XX/XXXX to XX/XX/XXXX. My payments resumed in XX/XX/XXXX which I made. I made subsequent payments in XXXX, XXXX XXXX, and XX/XX/XXXX. Up to today, my account has not been updated. I have placed numerous calls to Caliber, communicating to Customer Service via the website and written on two occasions to Corporate Office. There is no phone number listed for Caliber and Customer Service refuse to give me their contact information. I did receive a letter from the Advocacy Dept saying they would do their research and comply within a period applicable by law. To date, XX/XX/XXXX, I have not heard a back from Corporate. Calibur has been my servicer since I purchased the property in XXXX and never have I experienced such disrespect from a mortgage company. I heard they were bought over by a new company last summer, and I understand they were switching systems, but not applying my payments since XXXX is thieving my money in my opinion. I have been calling every week for months, and I I have been hung up on, yelled at, left on hold for hours at a time, and I am just disgusted that a mortgage company, as large as Caliber, can treat their customers with such low regard. They assigned me to a Single Point of Contact Dept, which was supposed to be only during the forbearance period, but up to today, they refuse to remove it because according to Calibur, I am delinquent on my mortgage. I can not resume my payments online, again because I am still in delinquent status. I am short in escrow, because my payments have not been applied, so my payments have increased significantly. I want to make sure that when all my payments are applied, they will be done so correctly and every penny will be applied where they should. They keep telling me they are running behind and they will get to it, but this is absurd. This is deliberate and hypocritical. There needs to be protocols in place to make sure mortgage companies like Caliber, who feel they are too large and untouchable, doesn't treat customers like this. If they are short-staffed like they have repeatedly told me, then they need to employ more people. We the customers should not be paying for their shortfalls. I have been making my payments and I need to see these payments applied as they should by law. I am sure they will say they have been repeatedly told me they are working on it, but 5 payments behind???? I am in the process of refinancing with them, and that has been put on hold pending the update to the account. I am besides myself with anxiety with Caliber whilst they bounce me around with lies. I am asking for them to please update my account. That is all I am looking for.
|
| 02/07/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American, Servicemember |
|
Sometime in XX/XX/2020 I recieved an advertising from Calibur Home Loans to refinance my VA loan because of some special from the Govt. I finally contacted them and spoke to a XXXX XXXX from Calibur Home Loans. Gave her all the information they requested, including my social. I advised Ms XXXX that my present rate was 3.75 %. I assumed everything was in order and we were ready to get the loan. The next day she informed me that the VA required that the interst rate had to be 5 % lower then 3.75 in order for me to get the loan. On XX/XX/2020 I recieved a packet from Ms XXXX. When I opened the package, and reading the letterhead i assumed they were going to help me because in one of the paragraphs it tells me if I intend to move forward with the loan I needed to sign the disclosures and to return them at my earliest convenience. I then began to check the application itself. In the application it shows that they are offering me a 2.875 % rate for a {$290000.00} loan. I had assumed the interest rate when down and they were offering me the loan. I immediatly called Ms XXXX and asked her about the package sent me. she then advised she was looking up my information. I then told her about the 2.875 interest rate that was printed on my application by them. She then advised me she would call me back after she spoke with her manager. She never called back and I finally called her back and she said that her manager said I did not lock this interest date before 60 days. I explained to her that is not what the paperwork says in my application. the letterhead was dated XX/XX/2020, In the multi-state interest rate lock/float someone checked the box that says I do not want interest rate lock in at this time. This same form is dated XX/XX/2020 not even 30 days and how could I have checked this box when I just recieved this packet on XX/XX/2020. Somehting is wrong. Ms XXXX at first stated that the VA would not honor the loan because it would not help me much. A 2.875 % loan would help me a lot from 3.75 interest.She was not being truthful on the VA response. They reached out to me. I have proof that they were going to give me a 2.875 interest rate loan. I thought Calibur helps Veterans. they sent me an agreement and did not honor it. A 2.875 % loan. Maybe because I am retired and a senior citizen and worried about their loan. The United States Govt. honors our loans. I passed everything, credit check, financial check and whatever else they required. Now they are saying they can not honor this contract because the offer was over 60 days. I tried so hard to reach out to Calibur CEO, XXXX XXXX, but kept on getting the run around. I wanted to try and resolve my issue before taking further steps,
|
| 07/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I am going through a divorce and trying to refi my current home. While waiting for my divorce agreement, I made my XXXX payment to Caliber Home Loans.
After a few days, I had noticed that the funds were not withdrawn from my account as they had always been in the past.
I called a few day later only to be told that with the holiday ( XX/XX/XXXX ) and Covid, it could take up to 10 days to get the funds transferred. I was told to call back after that.
I did.
Worried about the transaction, I went ahead and made ANOTHER payment to my mortgage to make sure that the XXXX payment would NOT be counted against my credit.
That 2nd payment was applied to my XXXX payment ( while leaving my XXXX payment still " unpaid ''. ) I then get a notification that my XXXX payment did not go through because I had changed bank accounts ( an old to new ) to take my soon to be ex wife off of the checking account. The bank, XXXX XXXX XXXX, mistakenly did NOT forward the mortgage payment over thus resulting to the " late payment ''. I called Caliber on XX/XX/XXXX and tried to straighten this out. I AGAIN called back on the XXXX and was told by XXXX that if the funds were made immediately available to Caliber, and they could access them, they would take care of the problem. I called my bank and within 24 hours, the funds were transferred to Caliber. I specifically said XXXX to 3 times that I can not have this effect my credit and was assured that it would not.
On Monday, the XXXX, my credit received a blemish from Caliber home loans.
I called back and was by XXXX, that I needed my bank to fax over the explanation and that would then fix the situation. Within 24 hours, my bank 's branch manager faxed over the needed paperwork. I called back AGAIN and was told there's nothing they could do.
I have called Caliber Home Loans no less than 3 more times since then only to be told they'll investigate and let me know.
I have explained to them that I am in the midst of a refi and have only until XX/XX/XXXX to get all of this straightened out otherwise I will lose my refi.
I was told again today that this process will now take XXXX to 45 days.
I have been getting the run around from the beginning.
Had they told me not to call back in 10 days, this would have been handled right away and since then they will not live up to their word.
In the mean time my credit has been hit for over 80 negative points and my refi is now cancelled unless this gets reversed.
Many please to Caliber Home Loans have been listen to and then dismissed with little to no help at all.
How can they do this when I've done everything they have asked me to do ... and above and beyond?
Sincerely XXXX XXXX XXXX
|
| 03/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have been unable to get Caliber Home Loans to correct the payment errors that are listed on my account and that were wrongly reported to all 3 credit bureaus, which has negatively impacted my credit score. My bankruptcy was discharged on XXXX XXXX ( see attached ), which Caliber agreed that all payments were current on my loan my Bankruptcy would not have been discharged had I not been current on all payments owed. I am asking that all late fees be refunded to my account, all negative reporting to all credit bureaus be removed, and any fines and penalties due to these ongoing errors be resolved. The amount of stress, anxiety, and mental anguish this has caused has been immense!
The following listed payments are what Caliber has listed for me for the year XXXX : XX/XX/XXXX : {$1300.00} XX/XX/XXXX : {$1100.00} XX/XX/XXXX : {$1100.00} XXXX, XXXX : {$750.00} XX/XX/XXXX : {$2500.00} XX/XX/XXXX : {$1100.00} XX/XX/XXXX : {$920.00} XX/XX/XXXX : {$1000.00} Total : {$9900.00} Caliber failed to credit the payment I made on the following, dates in addition to the payments listed above ( See XXXX attached pages from my bank as proof of payment dates listed are when the payment cleared my bank ) : XX/XX/XXXX : {$1300.00} XX/XX/XXXX : {$1300.00} XX/XX/XXXX : {$1100.00} XX/XX/XXXX : {$1900.00} XX/XX/XXXX : {$750.00} XX/XX/XXXX : {$2500.00} XX/XX/XXXX : {$1900.00} XX/XX/XXXX : {$1100.00} XX/XX/XXXX : {$920.00} XX/XX/XXXX : {$1300.00} XX/XX/XXXX : {$1000.00} Total : {$15000.00} In other words, I paid in XXXX a total of {$25000.00}, of which Caliber only credited me for {$9900.00}. I estimate ( based on worst case monthly scenario of {$1900.00} per month ) that I overpaid Caliber at least {$1800.00} for the year XXXX.
Fee Errors : Your company incorrectly imposed a Late fees of {$190.00} as of my XX/XX/XXXX statement. See attached XX/XX/XXXX statement.
Default Errors : Your company falsely put my loan in Default status and has sent someone to place notices on my front door XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Every time I have contacted, or attempted to contact Caliber by phone, I usually wait 1 hour to actually talk with a person and am on the phone for an additional 30-45 trying to resolve my issues and disputes to no avail. On XX/XX/XXXX I sent a letter via fax to : XXXX as instructed. I was told on XX/XX/XXXX that my fax was never received. I mailed the attached letter, and proof of payments to Caliber from my bank dated XX/XX/XXXX on XX/XX/XXXX. As of today, XX/XX/XXXX, I have not received any reply and continue to receive statements with incorrect payment, and Outstanding Principal amount information. ( See attached statement dated XXXX/XXXX/XXXX ).
|
| 07/26/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
To Whom This May Concern, On XX/XX/2022, I made a complaint with the state of Alaska for Caliber Home Loans. My husband called Caliber to be put on their XXXX list but we kept on getting letters in the mail for two years. I finally reached out to file a complaint with the state of Alaska to have Caliber remove us from their mailers. I got a letter back from XXXX XXXX Alaska state regulator ) stating that the company would put my family on the XXXX list. Today, XX/XX/XXXX. 2022 I have received another letter from Caliber Home Loans. Their corporate office is in Texas, but they originate in Alaska ( XXXX XXXX XXXX : XXXX ). My husband has received many homes refinancing letters since we have lived here and apparently after I have reached out to the state to be put on their XXXX list. During these two years, he has called Caliber Home Loans directly to add us to their do not contact list for the branch and corporate letters. Unfortunately, he still receives advertising letters and phone calls.
If you view their website www.caliberhomeloans.com at the bottom of the website there are no disclaimers regarding do not contact lists. We see one for Texas and California but nothing for the rest of the 48 states to submit their requests to not be contacted. I have also noticed there is no NMLS number, state license verbiage, or Caliber Home Loan disclaimer with the corporate NMLS number at the footer of the website. The ECOA logo is small, for the ECOA/Fair Lending regulation, the logo should be large in reference to the organizations logo. All are which are required for the state of Alaska.
According to the XXXX XXXX XXXX organizations that offer goods or services by telephone need to be registered with the Federal Trade Commission. They are required to have a national and local company do not contact lists offered to all branches. Caliber Home Loans may want to include a searchable database for consumers to fill out to ensure they will not be contacted by the organization.
The XXXX XXXX states that the opt-out option must be offered for at least 30 days after you send in the message. When we called in to be removed from being contacted, it was stated we would not be contacted. Even after 30 days, we have still received mailers and telephone calls. This is a violation of the XXXX XXXX. As previously stated above, on the branch and corporate website, there is no form that a consumer can fill out to be removed from being contacted. I went through their website again and there is still no XXXX information for those who do NOT live in California.
I do NOT want to be contacted by Caliber Home Loans. I don't know how many times I need to report Caliber.
|
| 11/26/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Since XXXX XXXX, I was working with a loan consultant XXXX XXXX with Caliber Home Loans as I was looking to purchase a new home. I 've worked with XXXX XXXX in the past, and I trusted that she would help me obtain a new home loan as she did for previously. The presenting issue is that for nine months XXXX XXXX with Caliber Home Loans used deceptive, predatory lending practices in an attempt to obtain a home loan on my behalf that she knew I would not qualify to get. To explain further I just learned from a more reputable lender that I am only qualified to purchase a home loan for {$300000.00} when for 9 months XXXX XXXX with Caliber Homes provided pre-approvals for 4 different home in the range of {$400000.00} to {$640000.00} when she knew that I was in no way capable of obtaining a loan in that range. She knowingly continued to deceive me knowing that I was selling my current home, about to rent and own a new home that she provided a preapproval to purchase knowing that my XXXX only showed that I made {$39000.00}. She just admitted to this omission after she ran my credit twice, allowed me to go forward with putting my previous home up for sale and assisted in the sale of my last house, she knew I would lose a {$2000.00} deposit on a home I can not afford to purchase and never would have been able to buy because she has had access to my XXXX since XXXX. I took a loss of {$80000.00} on the purchase of my old house, lost my {$2000.00} deposit on the new home, {$1000.00} in moving expenses and the unfortunate owner of the house I am being forced to vacate is also impacted as his house has been off the market for 3 months because of her lies, deception an omission. Additionally, she stopped corresponding with me after she finally told me the truth. This is no how you treat someone you called " like family. '' Her tactics to use me to deceptively obtain a loan she knew I would not afford has harmed me financially and emotionally. Now, I have to find a place to live again ( I just moved in XXXX because of her lies and sold my house ) as not to disrupt my children as well as deal with a homeowner who was also financially harmed. All of the above events took place from XXXX XXXX until XXXX XXXX. Additionally, Caliber Home loans serviced my previous home loan that another lender told me I should n't have received either because I did not qualify and they did not pay my taxes on that house. I did n't realize this until XXXX XXXX when a received a notice from XXXX County that they were putting a lien on my house for a tax sale. I had to pay those taxes out of my pocket because of the error. I still have n't been reimbursed for those fees either.
|
| 09/05/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I applied for a home mortgage end of XX/XX/2018, beginning of XX/XX/2018 and was pre-qualified. I found a home to purchase and entered into a contract XX/XX/18. Caliber Home loans was handling the financing loan for this new purchase. They requested the usual documentation such as the most recent XXXX 's for the past two years, most recent 30 day paystub from employer, last two months of bank account statement, etc. etc. Every document requested was provided to the company. I was selling my property in order to finance a conventional loan with 20 % down and this was disclosed from the beginning of application to loan officer. We were expected to close the same day on both properties, that is my old home and new purchase on XX/XX/18. My property being sold closed but I could not close on the new property being purchased due to the underwriter delaying funding of my loan. She kept on requesting documents at the very last minute, some of which had already been provided to the loan officer, and she kept on questioning information on my application that was clear and evident from documents that I provided to them. She would take 48hrs to review one piece of document and would then request more therefore delaying the close of my escrow on the new purchase even more and causing me to incur extra financial charges by delaying the move to the new property as I had to rent back my old property. She delayed the close of my Escrow on new property by almost a week and this caused a financial hardship for me and my family not to mention a severe amount of physical, emotional and mental stress that caused me to suffer physically by XXXX XXXX XXXX supply as a XXXX XXXX which affected my 6 month old baby. I felt like I was being discriminated against for being a single XXXX XXXX XXXX of XXXX. She requested the child support order that was not even consider in the application as a mean of income for repaying the loan. Even at the time of signing my documents with the notary she wanted me to provide another statement from my retirement account even though the most recent had already been provided. It was the most stressful and horrible experience of my life as I was almost forced to move out of my old property without having a new place to move into and no preparation as she delayed the entire process and I felt like I was being evicted out of my old home and had no certainty as to when I would close and receive the keys to my new home. I have never had such an experience with a home mortgage and I have refinance several times. I would never finance again from Caliber nor would I ever recommend to my family, friend, co-workers or the public in general.
|
| 04/07/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
The previous mortgage service company never honored a XXXX loan modification of reducing my rate from XXXX to 5 %. At or near the end of XXXX, they agreed to reduce the rate to some crazy low number, write off excess deferred interest and drop our payment. We never received confirmation of the changes and they sold our mortgage to Caliber Home loans. We received a letter from Caliber in XXXX XXXX that said we should expect a welcome packet. We never received this. I tried calling the phone number attached to the paper but since I did n't have an account number, I kept getting disconnected. After MONTHS of not receiving a mortgage statement, I assumed my previous servicer had done what was requested initially and reapplied the excess payments and paid our mortgage ahead by a year. At the end of XXXX, I came home to a letter attached to my front door that stated the property appeared to be vacant and to call a number for XXXX if it was not vacant. I called and let them know the house was obviously not vacant as there was furniture, food etc in the house. I asked her who was responsible for saying my house was vacant, she said the mortgage company. I asked her who the company was, she indicated she did n't know. She would not provide me with a phone number or even a name. On XXXX/XXXX/XXXX, XXXX came into my home, changed my locks and winterized my home without my knowledge or consent. Their was a phone number left on my front door and I was FINALLY able to contact the mortgage company. I spoke with a XXXX XXXX at XXXX who seemed very apologetic, did not offer me an explanation and gave me the code to the lock box with my keys in it to MY HOUSE. We do not occupy the house full time right now but we still have a lot of things in the house that is our private property. On XXXX, we were looking for some specific items and started to realize things were missing. XXXX not only came into our home unauthorized, they stole about {$5000.00} worth of tools and coins. They placed locks on our lawn equipment so that we could not keep our yard manicured. We filed a police report with XXXX XXXX police, the following day, I contacted XXXX XXXX again. Asked her the status of my loan. The house is NOT foreclosed, no sale date pending but is in the starting process of foreclosure. We have NOT received a mortgage statement since the last servicer! There has been NO indication of a foreclosure. She only wanted to refer me to customer service. I do n't even have the phone number, only her direct number. We contacted XXXX at XXXX and they would not provide us any info about the person who entered our home and stole our things and destroyed our house.
|
| 08/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On or about XX/XX/XXXX, Caliber issued Check No. XXXX in the amount of XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX cents ( {$48000.00} ). This check was sent to the wrong address. The amount of this check was withdrawn from the mortgage holders restricted escrow account.
Upon learning that the check had been issued to the incorrect address, the mortgage holder made attempts to secure the check without success. Having no success, the mortgage holder then made contact with the appropriate loss draft department and requested a stop payment to be placed on the check and a new check to be issued and sent to the correct address.
Several weeks went by without any communication from the loss draft department and without receiving a replacement check. The mortgage holder again contacted the loss draft department to inquire into the status of the check that was presumed to be reissued. At that time the mortgage holder was informed that the check was cashed, and no additional action was taken.
The mortgage holder insisted that an investigation be opened into the check and that a copy of the negotiated instrument be provided for review. This request was delayed for a number of weeks and the mortgage holder later learned that an investigation was not opened.
Subsequently, a determination was made that the check was fraudulently cashed and an new check was issued to the mortgage holder ; however, the amount of the replacement check was also deducted from the mortgage holders restricted escrow account.
Notwithstanding the fact that the issues were not resolved, and the funds had not been placed back in the mortgage holders escrow account, the case was closed.
The mortgage holder was instructed to write a letter to the Caliber Home Loans Fraud department and to await a written response. The mortgage holder sent this letter on XX/XX/XXXX, and it was received on XX/XX/XXXX. The only subsequent communication received from Caliber was a copy of the check that was cashed. No explanation, no updates, no progress.
As it currently stands, the funds for the fraudulently cashed check have not been credited to the mortgage holders restricted escrow account, the mortgage holder as requested and been denied contact information to caliber home loans corporate office, fraud department, and legal department ; notwithstanding the fact that everyone is saying there is nothing that can be done because the case is currently being handled by these departments. Everyone the mortgage holder has spoken to says they do not have access to contact these departments and no one does.
It has been nearly 10 months since this check was issued by Caliber Home Loans.
|
| 01/27/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have been trying to complete a deed in lieu of foreclosure on my property of nearly three years. I filed Bankruptcy in XXXX of XXXX ( XXXX in XXXX XXXX ). At the time my mortgage was with XXXX XXXX XXXX. Not long after my discharge XXXX sold my mortgage to XXXX XXXX XXXX Bank, who then sold it to Caliber Home Loans in XXXX of XXXX. Even though I had tried multiple to times to turn the home over, I immediately contacted Caliber to try again as soon as I received word that they were the new holders of the mortgage. I did this even though I was no longer financially responsible for the note due to my discharge from bankruptcy. Not only did each company along the way continue to call me in an effort to collect the debt ( against the law ), I have had the worst time trying to simply move on with my life by completing a deed in lieu. Once I contacted Caliber and completed the paperwork for the first time, they sent someone out to the property to inspect / appraise it. At the time they were unable to do anything because they stated there were people living in the property ( squatters ). They told me I needed to have them evicted. The building became vacant between XXXX XXXX and XXXX XXXX and I have still been trying to complete a deed in lieu. My attorney has had multiple contacts with Caliber to no avail. The have stated they did n't have all of the information they needed, so we sent them more. Then they said I had a sewer lien, so I contacted the city on a Friday. The city said there was no lien, but one would be placed the following Monday. Caliber at that point agreed to pay the approximately {$450.00} lien in exchange for a reduced relocation fee. I gladly agreed and waited for my paperwork, which never came. After more agonizing time goes by I received a call from my account manager who advised me now that there was a $ XXXX lien on the property. Why this never showed up before, I do n't know. I was advised the loan was taken out in XXXX, which was difficult seeing I did n't buy the house until XXXX. I dug in and contacted the title company that performed my closing. The attorney for the seller apparently never filed the discharge for that lien, though the loan had been paid. After about two months, I finally received a copy of the discharge and forwarded it to my attorney who then forwarded it to Caliber. This was on XXXX XXXX, XXXX. To date, neither my attorney, nor myself have heard from Caliber regarding my deed in lieu. My patience is wearing thin. It has been 2 1/2 years since I filed bankruptcy and I still have a house hanging over my head. I truly want nothing more than to move on with my life. Please help!!
|
| 02/17/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
My current mortgage company, Caliber Home Loans, took over my mortgage in XXXX, XXXX from XXXX XXXX, and they have perpetually miscalculated my mortgage payment / escrow, which has resulted in both insurance and monthly payment issues that have significantly affected my finances.
Shortly after taking over the loan from XXXX XXXX, Caliber failed to make payments to my homeowner 's insurance company ( XXXX XXXX XXXX ). XXXX sent me notifications threatening to cancel my insurance due to a lack of payment. Several phone calls to XXXX, XXXX, and Caliber revealed Caliber had an incorrect address to which payments were supposed to be sent. For the years XXXX had my loan, there was never an issue. XXXX had passed along all the appropriate addresses and information, but Caliber chose to use a different address. Aside from lost time, we had to pay a large lump sum to XXXX to have our insurance continue while Caliber figured out their issue.
From XXXX to XXXX XXXX, our monthly payment remained the same as it had with XXXX. In XXXX, XXXX, Caliber notified us of a new monthly payment, which was less than what we had been paying. In XXXX, XXXX, we received notification from Caliber our escrow account had insufficient funds to make payments ; therefore, our monthly payment was increasing to cover escrow costs. This new payment was an increase of {$790.00} per month! This was a XXXX % increase in the monthly payment ... a very significant amount with huge impact to our family budget. When I called to discuss the issue, I was told the error was my problem / fault. The implication was they could not be expected to calculate an accurate payment. Any error in their calculation, they claimed, was my issue for not ensuring they, as a mortgage company, could do proper math. Their error, in fact, was completely omitting payment of homeowner 's insurance. ( ANOTHER issue with insurance ... ).
I absolutely understand that a monthly payment can change due to taxes, etc., but to change by 37 % is exceptional and egregious. There must exist some reasonable expectation between the consumer and the company ( especially a mortgage company ) that basic calculations are done correctly. Their error reflects institutional incompetence ; their attitude shockingly indifferent. They admitted the mistake, but offered no solutions that held themselves accountable for it.
I 've never missed a payment. I did not ask or seek the relationship I am stuck in with Caliber. As a XXXX, I can not accept their ridiculous lack of accountability. Their comedy of mistakes has and is affecting our ability to save for our children 's education and our retirement.
|
| 03/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX, XXXX, IA. XXXX.
Caliber Home Loans is my mortgage holder -Account # XXXX.
Apparently, Caliber 's home office is in Texas : XXXX XXXX XXXX XXXX XXXX.
XXXX, TX XXXX On XX/XX/XXXX, I received a notice from XXXX XXXX, IA of taxes due. I tried to call Caliber Home Loans to ascertain if the taxes had been paid out of my escrow account which is the norm. I was transferred around. Third party representatives could not find my account.
Thus, to insure the integrity of my property, on XXXX XXXX I paid my taxes-see below.
Today, I retrieved my mail from my XXXX XXXX XXXX, XXXX, IA XXXX. My monthly mortgage statement was in the mail. The monthly mortgage statement does not reflect that I made the tax payment out of my credit card. Instead it reflects that the taxes were paid out of my escrow account.
XXXX XXXX Iowa confirms that I paid the taxes online, NOT CALIBER Home Loans.
Therefore, there is {$320.00} missing from my escrow account.
As of XXXX AM, XXXX, I have spoken to XXXX, XXXX, XXXX, XXXX, XXXX and XXXX.
XXXX stated that he was transferring me to a second tier to see if there was a way to end the escrow tax payments. Note that was not the primary reason for my call, I want to know where my {$320.00} is. XXXX stated that she would stay on the line and connect me with the tax department to find out where my money was. Instead she transferred me to XXXX, who sounded like she was offshore and then either hung up or disconnected me.
I subsequently called back and spoke with XXXX who refused to transfer me to a supervisor and instead transferred me to XXXX, who had no idea why I have been transferred to her.
I requested of XXXX that I be transferred to a supervisor, who then transferred to the tax department to XXXX. XXXX can not find my account. As I write this I am on hold for a supervisor.
I am requesting that the Attorney General 's Office of the State of Iowa not only assist me in ascertaining where my escrow money is, but also require an audit of Caliber Home Loans with respect to their customers in the state of Iowa.
Thank you for your time. I look forward to your response.
Sincerely, XXXX XXXX XXXX, XXXX. ; XXXX XXXX Receipt # XXXX From : XXXX Sent : Fri, XX/XX/XXXX at XXXX am To : XXXX XXXX XXXX TREASURER XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- DATE : XX/XX/XXXX XXXX AM OPER : WebPayments TKBY : WebPayments TERM : XXXX REC # : XXXX XXXX Tax Collections Parcel : XXXX Second Half Owner : XXXX XXXX XXXX XXXX XXXX Tax XXXX Paid By : XXXX XXXX XXXX XXXX REF : Import Payment
|
| 08/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have been unsuccessful in getting Caliber to rectify a problem they created which has now put my mortgage loan into default. This problem started in XXXX XXXX, and I have had to resort to filing a complaint with the PA Dept of Banking which prompted Caliber to finally admit an error was made but only corrected some of the issues. The negative spiral that has occurred is all due to Calibers initial mistake and their refusal to remove escrow from my account even though they provided the amount needed to zero escrow balance in order to remove escrow. I have attached my chronology and pertinent documentation, and the actions I want Caliber to complete to resolve this issue. Below is a brief overview of the problem.
1. I closed in XX/XX/XXXX and voluntarily elected to have my mortgage escrowed 2. My township did not send any tax bills for XXXX 3. In XXXX, my township sent tax bills for both XXXX ( {$5500.00} ) and XXXX ( {$7300.00} ) which Caliber paid totaling XXXX 4. The XX/XX/XXXX escrow statement inaccurately estimated my XXXX taxes to be XXXX when it should have been XXXX. Caliber had also refunded escrow surplus to me when the XXXX taxes were not billed. The new XXXX monthly mortgage payment was mistakenly more than double going from XXXX to XXXX per month.
5. Since XXXX I have tried everything to get this fixed and requested/demanded that escrow be removed from my mortgage. Initially I worked with XXXX XXXX from XXXX and when she was not able get the problem resolved, I advised her and Caliber several times through email, phone calls and certified letters that escrow should be removed and I would pay principal and interest only ( {$1400.00} ) starting XX/XX/XXXX.
6. Caliber has cashed each timely P & I check but considered it partial payment and has reported late payments to the credit bureaus which caused my credit score to drop XXXX points!
7. In response to my letter of complaint with PA Dept of Banking, Caliber finally admitted their mistake and on XX/XX/XXXX revised the escrow statement to reflect XXXX. They also said that I was XXXX in escrow arrears and to remove escrow, that amount had to be paid.
8. I immediately sent the XXXX but escrow has not been removed, my monthly payments have not been properly allocated to P & I, late fees generate have not been reversed and the derogatory reporting to the credit bureaus has not been rescinded.
9. On XX/XX/XXXX Caliber generated a letter that stated my loan was in default 10. My taxes are due to the township by XX/XX/XXXX. I will be making the tax payment to the township directly. Caliber should not be making any payments for taxes or insurance.
|
| 07/24/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Older American |
|
XXXX of last year, I became suspicion that my loan with then XXXX XXXX inXX/XX/XXXX may not have aboveboard. In XX/XX/XXXX, my loan was processed primarily via certified mail and phone calls. At the time, the mortgage broker contacted me to refinance my mortgage was in a financial rut and credit was very poor. I realized that should not have been approved for a loan of {$75000.00} given checkered credit history.
So, I decided to review how my loan was processed to allay my suspicion that my was not kosher. I requested a facsimile of the documents generated during the process of my. Caliber Home Loans, the mortgage holder, informed me in writing that the documents I requested were proprietary as such would not be made to me, mortgagee. For several months, Caliber Home Loans employed duplicitous tactics to thwart my efforts to obtain access to the documents that I requested.
In XXXX of this year, Caliber Home Loans ' Attorney, XXXX XXXX, made the documents available to me. After a thorough perusal of these documents, I uncovered conflict and discrepancy between the settlement statement with respect to the actual amount that then XXXX XXXX paid to my first mortgage holder, XXXX XX/XX/XXXX. I found a distinct difference between what was recorded on the settlement statement vis a vis the document that was sent to XXXX XX/XX/XXXXto settle my principal balance. Also, the settlement statement suggests that I received a payout for {$1400.00}. I saw no other document that shows that I was given a payout during the process. Also, as I have argued ad nauseam during the past eleven months that I do not recall that I received such a payout. Again, the process of my loan was done in such an unconventional manner virtually by certified mail and phone calls, I suspect that a lot of errors was made given how my loan was initially processed.
Given the discrepancy and the aforementioned conflict, in an email dated XX/XX/XXXX, I requested a facsimile off the checks that then XXXX XXXX issued to me and two creditors, XXXX XX/XX/XXXX and XXXX, both defunct.
Shortly thereafter, I was informed by Caliber Home Loans ' Attorney that the documents that I requested were not in its possession. It's highly inconceivable that Caliber Home Loans does not have in its possession any documents that would corroborate whether I received a payout for {$1400.00} as recorded on the settlement statement. Also, it's not possible for Caliber Home Loans to not have any documents in its possession that would confirm how much then XXXX XXXX paid to XXXX XX/XX/XXXX to settle my principal balance besides the settlement statement & loan agreement.
|
| 08/15/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
In XXXX 2016, I reached out to a Caliber Home loan processor to see if I would qualify for a home purchase because I had home previously and had to file bankruptcy. After an in-depth phone interview. I was told to provide all information that was discussed, I did. The loan representative sent me a total of 3 different preapproval letters, non of which turned out to be accurate, as I was n't preapproved. After a great deal of searching, in XX/XX/XXXX, I found a home and wrote a contract, which the loan officer acknowledged. My closing date was scheduled for XXXX/XXXX/16. During this period I continued to provide information as requested. As I got closer to the closing date without any communication from the loan officer, I sent an email to request information about if the closing was set. She finally responded back to me letting me know that my loan had been suspended. I had to contact her because apparently this was n't important enough to call, send an email or text for. The day before I was supposed to close I get an email that states the underwriter has my information and she is expecting approval the following week. The day I was supposed to close the loan officer says the underwriter wanted another letter from student loans, which would have taken 30 days at a minimum. Additionally, the seller was only willing to give two weeks extension at a significant financial penalty. I was out of money and had nowhere to go. I thought that all of this had been looked at prior to issuing me a preapproval letter.
I reached out to a different banking loan processor and provided same information that was given to Caliber Home Loans and in one week ( and no money out of pocket ) I was told that according to new regulations I did n't qualify to make a home purchase. I needed to wait at least another year. I feel like this is information the caliber loan officer should have provided me instead of having me payout and lose {$1600.00}. Recently, I have had tried to communicate with Caliber Home Loan corporate office but all I get are excuses and them trying to justify they are right. Caliber Home Loan is trying to make it my fault that the loan officer procrastinated or that the loan did n't go through. I do n't feel as if they did their due diligence. If the rules were changed the loan officer, who is a " professional '', should have made me aware prior to the day before and the day of my closing. At least, if she had, I could have taken advantage of the contingencies built into the contract and received most of my money back.
This entire experience has caused me and my family XXXX and XXXX.
|
| 09/26/2016 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
|
|
working with Caliber Home Loans was the most XXXX and horrendous process that I have ever dealt with for one of my clients. As a XXXX, we deal with many lenders on a weekly basis and I will NEVER recommend Caliber to another client. In fact, I will strongly discourage any client, friend or family member to do business with Caliber based on the service that was provided on this transaction.
XXXX XXXX, who is the branch manager in the XXXX XXXX office, needs to be instructed on professional courtesy and also needs to better informed when pre-approving a buyer and misleading them with false information upon initial contact. He was very unprofessional not only with my client but also hung up on me and was extremely rude to me on several occasions. He and the others who worked on this file missed several deadlines and also encouraged my buyer to break rules on a HUD contact. They incorrectly scheduled the appraisal and then informed my client that he would be responsible for the additional fee for an appraiser to go out there and re-do the appraisal based on misinformation that was given by Caliber even though we gave very specific instructions that the home was being sold as-is. On top of the issues throughout the process, we got to the final week of close and my buyer was informed that they had incorrectly calculated his DTI in the beginning and that he actually was not approved for the loan. Nothing had changed in my buyers debt or income, only the calculations by the mortgage officer were incorrect. We were able to resolve the issue ; however, it still took Caliber a week to prepare the closing docs and we missed the HUD contract deadline due to this delay. Once finally done, the docs were sent with incorrect data TWICE and had to be corrected. After all of this, when the loan funded, the closing agent LIED to the title company about having processed the wires when in fact, they had not worked the file. In the end, Caliber scrambled to get the funding over prior to close on Friday and, in their haste, sent the funds to the wrong title company. We are still waiting for this issue to be resolved. The practices throughout the entire process were misleading, untrustworthy and the absolute worst service I have ever seen from any lender I have ever worked with. They caused much undue stress on my XXXX-year-old client, the title company and myself.
I am happy to give more details on this situation if necessary. I would love to see some sort of compensation for my buyer although I am unsure what could be done to make up for the nightmare that he was put through during this transaction.
|
| 01/26/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
I wrote to the CFPB LISTING complaint under XXXX XXXX/XXXX Master Participation Trust Fund and XXXX XXXX replied with written correspond3nce that it was determined after careful evaluation that they are the TRUSTEE for the trust which they failed to specify. They say they only handle issues with the trust and the servicer on the mortgage is the one that has the authority to handle collections, issues of foreclosure, staus of mortgage which according to these fabricated submission of Documents is CALIBER HOME LOANS. Now in XX/XX/XXXX I was served judgement of foreclosure by banks firm XXXX XXXX, XXXX XXXX, for XXXX XXXX as Trustee for XXXX. It is my understanding the servicer is the one with legal authority to collect on said monies they are stating are owed. However in XX/XX/XXXX, I wrote to the XXXX and NYS Attorney General and Caliber spoke to XXXX XXXX XXXX from XXXX and they stated I wasnt even in foreclosure or near that point, so then how am I being served thru the justice system a judgement and complaint foreclosure, and the servicer according to XXXX XXXX is the on, y one with authority to issue such claims. XXXX XXXX respresentimg the trustee or the trust which I can assume is XXXX XXXX. Are they in collaboration with the TRUST then to legally foreclose upon the request of the Trust. They are choosing to file papers illegally listing XXXX AND XXXX on papers without Calibers Knowledge. XXXX XXXX has not been abiding by the laws that are suppose to protect me. They filed In XX/XX/XXXX motions to the judge that their filed papers went unopposed by me the defendant and my attorney and both of us never received any documents. That was a lie and they continue to engage in unethical practices as my attorney filed For Bankruptcy in Federal Court in XX/XX/XXXX/ XX/XX/XXXX and while in Federal Court they filed motions in XX/XX/XXXX ,XX/XX/XXXX ; and in XX/XX/XXXX motions while I was still in Federal COURT and have violated federal that should have kept me protected under Federal Law while in Bankruptcy Court.until we withdrew case in XX/XX/XXXX/XX/XX/XXXX. They filed papers in XX/XX/XXXX which I was never informed about according to the county clerks records and was notified in XX/XX/XXXX for NOTICE OF Sale. XXXX XXXX must prove to me and the courts they have any legal right to proceed and if they do they need to go back to when they illegally motioned the court while I was in Federal cCourt snd Caliber needs to confirm any dealing with there Law Firm and tell them to recuse themselves because of their lack of following Federal Law that protected me under a Bankruptcy Law.
|
| 03/31/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American, Servicemember |
|
RE : Caliber Home Loans - My mortgage was in arrears. For that and other financial issues I filed XXXX XXXX Bankruptcy. I successfully completed the 5 year payback and an Order of Discharge was issued by the court in XX/XX/XXXX. I recently tried to refinance my home through XXXX Mortgage with the VA funding the loan. Everything went fine until the VA asked for an explanation of the Deferred Principal amount. The XXXX broker advised that there had to be a loan modification agreement or Forbearance. Both he and I searched the County Court Official Records, bankruptcy Court records and could find no such agreement. I called my bankruptcy attorney who stated that there was never a loan modification done during the pendency of the bankruptcy. He also advised that if there had been Federal law states that both parties would have to agree and the bankruptcy Court would have to approve any such modification. Again there is no such Order in the Court file. After the Discharge was issued I got rid of all the old mortgage statements however when this issue came up I searched my files and did find a mortgage statement dated XX/XX/XXXX and at the time there was no deferred principal listed. The amount was just listed as Outstanding Principal. That was just 90 days before I filed bankruptcy and in fact had already retained legal counsel by then. XXXX XXXX took over the servicing of the loan in XX/XX/XXXX and at that time a deferral principal amount was showing on Caliber 's mortgage statements. A representative from XXXX XXXX stated they had a copy of a Caliber Mortgage statement dated XX/XX/XXXX and it was showing then so sometime between XX/XX/XXXX and XX/XX/XXXX it somehow was showing deferred principal. Both the XXXX broker and myself have been on the phone with Caliber Mortgage on two separate occasions. Each time the first person we spoke with stated they could find no such modification agreement. We were put on hold each time to be transferred to someone else and each time the phone went dead. I have since requested in writing via email that Caliber furnish me with any documents relating to the loan modification and they have not responded at all. XXXX Mortgage states this is the only issue holding up being able to close on this loan. I don't understand why they just won't produce this documentation. I can't refinance I would imagine I am going to have a problem selling if this same issue comes up. Please help me get the documentation for this loan modification as the VA and XXXX Mortgage states that it has to exist. Did Caliber do something unethical or even illegal?
|
| 05/17/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have been attempting to obtain a loan modification with Caliber Home Loans for years. I have sent them several packages with my financial information per their request. Each package is either denied or rendered not complete for very small details which could be corrected if the servicer properly gave timely notice of said missing documents. Most recently a complete modification package was sent in XXXX 2017 . On XXXX XXXX , 2017, I co ntacted Caliber Home Loans to inquire as to the status of the modification package that had been sent. XXXX , the representative who I spoke to at that time advised me that they needed updated pay stubs, bank statements, and a XXXX form in order to finish the review for my loan modification. When I advised XXXX that I could provide him with that information immediately, he told me not to bother sending it in because the foreclosure sale was set for less th an thirty-seven days from that date. ( Foreclosure sale was set for XXXX XXXX , 2017 ). He went on to say that Caliber would not look at any of the updated information we sent and that the loan modification would be automatically denied because we were less th an thirty-seven d ays away. In other words, they refused to do anything at this point. As a result of this information, I immediately set an emergency hearing to reset the foreclosure sale. Said motion to reset sale was granted and the new sale is XXXX XXXX , 2017. I was extremely shocked by the way Caliber has handled this. If I had not called them, they would have not notified me of the need for updated documents. Additionally, refusing to consider me for a modification because we were out less t han thirty-seven days prior to the sale is not only unethical and against standard practice, but also against the final judgment in this foreclosure case. Among the stipulations in the final judgment of foreclosure in this matter is that I be considered for a modification while I am the title owner of the home. I have been extremely prejudiced by Calibers handling of this not only for past conduct but also because I had to resort to setting a hearing court to have my foreclosure sale date reset. Generally courts are very discretionary on granting these motions, yet I was forced to request a reset of the sale before it was timely only so Caliber would finish processing my loan modification paperwork. I am not asking for much, just simply that Caliber provide me with a trial payment plan so I can be given the opportunity to make mortgage payments and save my family home.
|
| 05/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We started having issues paying our mortgage online in XXXX of XXXX. In XXXX my payment was reversed, which I was not aware of until the end of the month. I had seen it pend in my account and assumed it was processed as it always has for the last 4+ years since no account or banking information had changed. When I called to inquire why my account was showing past due, I was told to contact my bank since they reversed the payment due to not locating the account. The lady I spoke with told me they would put a hold on my account while we sort this out so that I wouldnt incur late fees or get sent to collections, that was a lie.
When I reached out to my bank, they showed no record of this. I did find somehow my account numbers had been changed on Calibers end to a number I did not change it to or recognize. After updating the account information to the correct numbers, I attempted to make a payment again with my checking account as I always have and it pended again, but, this time I watched it and saw Caliber showed it reversed again even with accurate routing and account numbers. I then tried paying with my debit card. I saw this money removed from my account so assumed the issue was resolved. When I logged on to find tax paperwork and make a payment, I saw that Caliber shows this as reversed again, however, this money was still missing out of our account. I had to work with my banks fraud department to get this money back since Caliber couldn't tell me where it went. I've tried making 7 payments in the last 4 months and only two have applied. Twice my money has gone missing even when shown " reversed ''. Their website is also misleading. When I log on it does not show the accurate information on payments or how many are missing. It currently shows we are only missing 1 payment from XXXX when I believe we are technically missing 2 at this point since it's been 5 months now and only 2 ( hopefully 3 ) have actually processed. The 2 that have processed were paid in the same way I have attempted to pay 5 times, which is the way we made payments the last 4+ years.
Caliber has made no effort to help resolve this issue. I've tried their service line, I submitted necessary documents for an " account review '' which was 8+ weeks ago and I've heard nothing from Caliber. I've even tried going to a physical location, but no one was there and they won't return my messages. This is an issue on their end that they won't help us resolve, instead they have sent us to collections and threaten foreclosure when we have been trying everything on our end to make these payments.
|
| 05/01/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Hello, My name is XXXX XXXX and I have an FHA loan, serviced by Caliber Home Loans, that I need assistance with. The loan, which is referenced as Loan Number XXXX by Caliber Home Loans, is currently in default status and Caliber is attempting to proceed with foreclosure on the home.
In XX/XX/XXXX, I became unemployed. I did not resume work until XX/XX/XXXX, due to difficulty finding employment caused by unfounded negative references from my former employer. During this time I was approved for an FHA Special Forbearance Plan in regards to my mortgage. I worked with Caliber Home Loans to pay these payments between XX/XX/XXXX andXX/XX/XXXX. Each time I contacted Caliber regarding the payments, I was informed that the payments would be accepted and applied to my forbearance plan even though they were not received by the XX/XX/XXXX day of each month of the plan as long as the payments were made by the last business day of the month. I made all of the required forbearance plan payments from XX/XX/XXXX through XX/XX/XXXX by the last business day of the month, which were accepted and applied to my balance.
In XXXX and XX/XX/XXXX when I contacted Caliber to make the payments, I inquired as to the need for any additional paperwork or documentation from me for the Forbearance process to be completed and normal payments to resume in XXXX. Each time I was informed that the process to complete the forbearance would automatically update once the last payment was received and no additional documents were necessary.
In XXXX, I have attempted to make my normal mortgage payment only to be informed that my payment would not be accepted because my home is in foreclosure because I did not submit the required paperwork to process the end of the forbearance plan. In my most recent contact with Caliber Home Loans, on Friday, XX/XX/XXXX, I was informed that I should not attempt to make the XXXX payment because their policy was to return payments that were not made in full during the foreclosure process - meaning that if the payment I was going to make was not equal to the total past due amount ( now approximately {$15000.00} ) my payment would not be accepted.
I would l like to continue living in my home and eagerly await the opportunity to resume normal monthly payments. Any assistance that you can give me on this matter would be greatly appreciated.
Sincerely, XXXX XXXX XXXX, Borrower XXXX XXXX XXXX XXXX, TX XXXX XXXX ( cell ) XXXX ( home ) XXXX XXXX XXXX XXXX, Interested Party ( Spouse of Borrower ) XXXX XXXX XXXX XXXX, TX XXXX XXXX ( cell ) XXXX ( home ) XXXX XXXX
|
| 06/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I was informed on XX/XX/XXXX when XXXX left a voicemail from the number XXXX ( unknown on caller id ) that I needed to immediately contact a member at Caliber Home Loans. I immediately returned the voicemail message and told XXXX ( she would not give her last name ) that the outbound phone attempts outlined above could not leave voicemails. Still, once a borrower has been flagged as " past due, '' messages can be left, which in my case was 40 days later. I'm not sure about other people, but I receive many spam calls and am not inclined to take any random calls. Therefore, when a voicemail is left, I'm quick to listen and quickly return legit messages.
Considering that I did make our standard monthly payment of {$2400.00} on XX/XX/2022, through XXXX XXXX XXXX, I have always paid on time and was honestly unaware of the variance in price taking place in XXXX of a difference of {$280.00}, it seems questionable in lending practice and regulation. Furthermore, to learn that delinquency was reported to the credit bureaus that I missed a payment in XXXX ( whereas I was only made aware of the missed amount on XX/XX/2022 - almost 40 days later by Caliber Home Loans, seems like an unethical business practice.
This situation has significantly impacted my credit score, and I'm discouraged by a lending company 's integrity and the practices that transpired. It is more of a " we gotcha '' practice than " we're here to help '' by servicing your loan as our customer practice. If I missed a payment altogether, I'd own the responsibility. But a delinquency filing on my credit score is simply unacceptable for hard-working American taking pride in every detail of my life to get slapped for a minimum delta in the discrepancy of {$280.00}. To state for the record, as soon as I learned of this variance, I immediately paid the delta and adjusted my bank, which is set on autopay for the new statement amount.
In thinking about better customer service as an organization ahead, how about offering email notifications or sms text messages vs. random XXXX numbers.
I have asked to have a manager call me back ( with no return call from XXXX or the manager ) if there is anyone at Caliber 's organization that would be able to reverse the filing against my credit score? I also asked for a contact within Caliber Home Loans that would be able to be shared with whom I can further communicate with?
To date, the delinquency has not been removed, I never missed a payment or heard back from a manager or someone of influence from Caliber to help me.
I appreciate your help!
XXXX XXXX
|
| 12/20/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Caliber Home Loans mislead me regarding their claims disbursement process regarding property damage loss. This misleading, resulting in me paying for repairs to my home that my homeowner 's insurance company provided funds for, prohibiting me from affording my mortgage payments. Caliber Home Loans has breached their implied covenant of good faith and fair dealing.
After suffering damage to my home, my homeowners insurance company paid {$5200.00} to make the repairs. The claim funds was made payable to myself and Caliber Home Loans. The original contractor I was working with was no longer willing to accept payment according to the Caliber Home Loans disbursement process. As a result of this change in contractor, I informed Caliber Home Loans that I would have to pay these contractors using my personal financial resources.
After having the 50 % inspection, I received a check in the amount of {$980.00}.
Previously a Caliber Home Loans Loss Drafts Department employee told me that after having the 50 % inspection, they would release 50 % of the remaining funds, followed by a 75 % and 90 % inspection and the remaining funds would be released similarly. This was n't the case, they claim that they meant that after the 50 %, they would release another 25 % disbursement so I would have received a total of 50 % disbursement. As a result I had to pay general contractors out of pocket without receiving full reimbursement from Caliber because they released an amount lower than expected.
Due to the severity of the property damage, and without the insurance money, I was forced to continue using my own financial resources to repair the property ; preventing me from having the funds to pay my monthly mortgage payment to Caliber Home Loans Despite me submitting letters and receipts showing how much money I had paid out of pocket, and as a result of paying the general contractors out of pocket, I have not been able to make my mortgage payments, and Caliber filed for foreclosure as a result. I have contacted Caliber Home Loans rega
rding this matter on the following dates : 1. XX/XX/XXXX ( phone call ) 2. XX/XX/XXXX ( phone call and letter ) 3. XX/XX/XXXX ( letter ) 4. XX/XX/XXXX ( letter ) 5. XX/XX/XXXX ( letter ) 6. XX/XX/XXXX ( letter ) 7. XX/XX/XXXX ( letter ) There attempt at resolution was to have me file for another loan modification. Why should I have to do that because they made a mistake in their communication and I stuck to the loan terms by having the repairs made to the property, despite not receiving the loan proceeds that they are holding XXXX.
|
| 03/07/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I had a major health issue due to failing XXXX and was on XXXX and as a result missed a mortgage payment. I contacted Caliber my servicer to explain and to try and get them to work with me to reduce my monthly payment since I was having health issues and only able to work part time for a while. Caliber told me they could not help me and that I could not apply for a modification because I was only one month behind. I then sent in the monthly payment and added {$200.00} extra to go towards the missed payment from the month before so I could begin paying this down. Instead of applying the payment to my account, Caliber rejected the whole amount because it was not the exact amount of my monthly payment. When I tried to resolve this I was told that now I needed to pay 2 full monthly payments at once as well as late fees. When I told them I could not do that I started getting the runaround. Bottom line is that I went back and forth with this company for months and never even got them to review my paperwork. They never assigned a dedicated contact and continually misplaced and lost my information. Now I am facing a foreclosure sale date on XX/XX/XXXX. This is completely avoidable -- I have enough income to afford a fair payment, but Caliber, the recipient of hundreds of millions of dollars in bailout funds is ignoring me.
I have owned this home for over 7 years and have not had issues with the payment until recently. I went through a painful and expensive divorce in 2014. Not long after I had an issue with a past employer and was wrongfully terminated and had to go back to work as a XXXX for a time. I never missed a mortgage payment during these times, but all my reserves and rainy day funds were used to stay afloat. I have worked in property management for over 15 years and have a steady job and also receive rental income. I have the ability to afford a fair and reasonable payment. The purpose of this complaint is to get my case noticed and made a priority, because the Caliber agents have dropped the ball and not followed through and given me an opportunity to be reviewed for all government, state and internal homeowner assistance programs that should be made available to people in my situation. As explained, I had major health issues due to problems with my XXXX and was on XXXX and incapacitated while recovering. Less than a month after I missed my payment I began reaching out to Caliber to try and fix this, but still find myself facing foreclosure. This is wrong and I am asking that you open an investigation of their handling of my situation.
|
| 04/12/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
Caliber Home Loans currently holds my mortgage loan. I contacted them a couple times to refinance from FHA to conventional loan ( brand new built home 2015 ). They advised each time to wait another year for home value to increase. The house on the next block, same floor plan, sold for $ XXXX more than the purchase price. I contacted Caliber again requesting to refinance. They could not see the home that recently sold in their system and came back with comps in the area that were much lower than actual. After hearing the same spiel " to wait another year '' once again, I contacted another mortgage company ( within a few weeks time from last contact with Caliber ). Apparently the new mortgage company had more up-to-date data, software - they immediately saw the significant increase in home value and began the process for refinancing. As part of a NECESSITY to determine my current loan amount, the new mortgage company contacted Caliber for a payoff amount. They subsequently made a second request, just prior to closing, as I had made a mortgage payment in between the two requests. Caliber charged to me, personally, a {$5.00} fee for each request. This was noted on my statement as " Fee billed ''. Not know what the fee was at the time, I called to inquire. Turns out it was a FAX fee charged to me for the new mortgage company to obtain the payoff amount from Caliber Home Loans. This is gouging the consumer - especially considering the exorbitant fees associated with mortgage loans.
I have worked in healthcare for nearly 40 years. When a physician requests my medical records from another physician, there are no costs charged to me associated with the copies/request. However, if I request copies of my medical records myself, a fee is charged. The same should hold true for a mortgage company to mortgage company request for payoff information. I did not make the request. That piece of information is required in order to pay off the loan. Why gouge the consumer? Had I requested the payoff information myself, sure, charge me. I made no request for a FAX payoff from Caliber and received no FAX, document or service from them, yet was billed {$10.00} on my next mortgage statement - billed directly to me. This, again, is gouging the consumer.
If this is found to be a legitimate charge based on current laws and practices in the mortgage industry, then this practice needs to be reconsidered. I request a refund from Caliber Home Loans in the amount of {$10.00} for FAX fees, in which I made no such request, nor did I receive any goods or service from them.
|
| 05/04/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
This is a follow up on my previous complaint XXXX.
We have a mortgage with Caliber Home Loan ( https : //www.caliberhomeloans.com ), account number XXXX. The mortgage consists of loan and escrow accounts both. OnXX/XX/XXXX, the loan officer XXXX XXXX informed us the escrow amount was wrong. The overall monthly payment should be {$5900.00}, down from the wrong number {$7100.00}. Therefore the monthly mortgage I paid is {$6000.00} from XX/XX/XXXX. However Caliber home loan does not update its system and think we are short of the monthly payment. The consequences are : 1. Our payment balance was messed up, both the loan and escrow account balance by wrong late fee and penalties which caused by Caliber itself. Please refer to the attached account payment history. According to my calculation, till XX/XX/XXXX, my loan balance should be {>= $1,000,000} and escrow balance is {$7000.00}. But Caliber shows the loan balance is {>= $1,000,000}. escrow balance is unknown. 2. Caliber careless mistake leads to both my husband and my credit score sharply drop from XXXX level down to XXXX level. 3. On XX/XX/XXXX, Caliber sold the loan to central loan administration and report ( XXXX ), and passed all the wrong information like escrow amount, loan balance and escrow account balance to XXXX. Although Caliber promised to fix it for us, one month after the transaction, the mistake in XXXX has not get corrected. The record from XXXX still shows our monthly payment is {$7100.00}. After the loan selling to XXXX, CALIBER did not inform us to pay XXXX afterwards. Without the right payment information, we paid our XXXX mortgage {$6000.00} to Caliber still. Although Caliber claimed that it forwarded the {$6000.00} to XXXX on XX/XX/XXXX, XXXX has not received it ever since. When both XXXX and us asked CALIBER to provide the express mail tracking number and check number, CALIBER just could not come up the numbers.
Upon our earlier request to CALIBER on the closing statement and update both loan and escrow balance, we received the update on the escrow account today. It does NOT update anything at all, it does not adapt the new monthly escrow amount of {$1200.00} but using the wrong {$2400.00}. The XX/XX/XXXX payment does not show on payment history. The right escrow number for XXXX and XX/XX/XXXX should be {$1200.00} *2 = {$2500.00}.
How careless and arrogant can a company be by totally ignoring the customer 's request?! When we pointed out there was error on the payment history, they update us with the wrong and current history AGAIN, as a response?!
|
| 08/22/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I filed a previous complaint with the alleged Servicer and they have failed to reply. In my inquiry, I stated that I have not received documentation proving that the original promissory note was sold by the original investor to XXXX and then from XXXX to anyone else. I stated that I have submitted various modification requests during this year with no response. I further stated that the {$6300.00} paid directly to XXXX XXXX by the bankruptcy trustee and is unaccounted for on the loans payment history. Additionally, you I provided a copy of a document from the United States Bankruptcy Appellate Panel ( BAP ) regarding Subpoena prusuant to FRCP 45, for an evidentiary hearing and oral argument on XX/XX/XXXX. Loan Background and Status The loan originated on XX/XX/XXXX, with a principal balance of {$310000.00} with XXXX XXXX XXXX dba XXXX. The previous servicer of the loan was allegedly XXXX XXXX, XXXX. XXXX allegedly became the servicer of the loan on XX/XX/XXXX. A Chapter XXXX Bankruptcy ( Case Number XXXX ) was filed on XX/XX/XXXX and an automatic stay is pending. In a previous response Caliber, failed to addressed concern regarding the payments submitted by the bankruptcy trustee, and they failed to verify that all pre- and post-petition payments were accurately posted to the loan and were reflected on the loans payment history.
Caliber failed to provide the United States Bankruptcy Appellate Panel ( BAP ) the requested documentation. I told Caliber that I had submitted a loss mitigation application to be reviewed for a loan modification during a conversation with them in XX/XX/XXXX ; however, they claim they did not receive any documentation from me to initiate the loss mitigation process until I filed a complaint the the CFPB, and finally received documentation for a loss mitigation application package on XX/XX/XXXX. Now they claim that additional documentation is required, so they advised of such required documents which have been addressed and remitted and I am waiting for a reply. For additional information or clarification regarding the required documentation, they asked me to contact their Single Point of Contact ( SPOC ) Department at the number below. The documents were submitted by fax to XXXX, and mail to their Loss Mitigation Department at XXXX XXXX XXXX, XXXX XXXX, OK XXXX, by email to : XXXX, or by uploading them through their website. Also they stated if I have additional questions or concerns regarding the loan, to contact their SPOC Department at XXXX. I attach a copy of the BAP Order they have ignored.
|
| 01/14/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
ON XX/XX/XXXX MY CLIENT, XXXX RECEIVED A LETTER STATING THAT CALIBER HOME LOANS HAD TAKEN OVER HER MORTGAGE FROM XXXX AFTER HAVING ALREADY GIVEN A FULL HAMP APPLICATION TO XXXX.
ON XX/XX/XXXX WE HAD TO SUBMIT ANOTHER HAMP APPLICATION TO CALIBER UPLOADED TO THEIR WEBSITE. FROM XX/XX/XXXX WE UPLOADED ALL THE DOCUMENTS REQUESTED FROM ALL THE SPOC REPS.
THEN ON XX/XX/XXXX CALIBER WITHOUT ANY PRIOR NOTICE, CANCELLED AND DE-ACTIVATED OUR ACCESS TO THEIR WEBSITE TO UPLOAD ANY MORE HAMP DOCS. THUS, WE WERE UNABLE TO KNOW WHAT DOCUMENTS WERE ALREADY PROVIDED TO CALIBER AND ON WHAT DATES THEY WERE UPLOADED AS THE WEBSITE HAD ENABLED US TO DO. THIS SLOWED DOWN OUR HAMP APPLICATION SUBMISSIONS TREMENDOUSLY.
AFTER CONFRONTING CALIBER WITH THIS EXTREMELY PREJUDICIAL ACT AGAINST XXXX THE SPOCS FINALLY GAVE US THE EMAIL XXXX TO SUBMIT MORE DOCUMENTS.
UNFORTUNATELY, WE CAN NOT TELL WHAT DOCS. WERE ALREADY PROVIDED AND ON WHAT DATES. THEY CLAIM THEY DE-ACTIVATED US DUE TO A PENDING FORECLOSURE SALE WHICH THEY SCHEDULED FOR XX/XX/XXXX, WHILE OUR HAMP APPLICATION WAS STILL PENDING.
THEN FINALLY ON XXXX, THE SPOC XXXX INFORMED US THAT CALIBER HAD RECEIVED ALL NECESSARY DOCUMENTS AND WOULD SUBMIT THE ENTIRE HAMP APPLICATION AND DOCUMENTS TO THEIR UNDERWRITER. HE THEN STATED THAT WE WOULD HAVE TO WAIT ABOUT 30 DAYS FOR A RESPONSE.
THEN ON XX/XX/XXXX, OUR LAW OFFICE CALLED TO GET AN UPDATE AND CALIBER STATED THAT THEY NEEDED MORE DOCUMENTS AND THAT THEY HAD CLOSED OUR HAMP APPLICATION BACK ON XX/XX/XXXX.
ON XX/XX/XXXX WE EMAILED THOSE DOCUMENTS. XXXX, THE SPOC SAID TO CALL BACK IN 1 WEEK FOR AN UPDATE.
THEN ON XX/XX/XXXX WHEN WE CALLED BACK, XXXX ANOTHER SPOC IN XXXX. STATED WE NEED EVEN MORE DOCUMENTS.
CALIBER HAS NEVER CALLED OR EMAILED OR FAXED OR WRITTEN ANYTIME TO REQUEST MORE DOCUMENTS. WE ONLY KNOW AFTER WE CALL THEM. THIS IS DUE TO THE HARDSHIP CAUSED BY THE ACCESS DE-ACTIVATION OF THE WEBSITE TO UPLOAD AND REVIEW DOCUMENTS.
THUS, WE ARE FILING THIS COMPLAINT TO THE XXXX DFS TO COMMENCE AN INVESTIGATION INTO CALIBER 'S FRAUDULENT AND BAD-FAITH PRACTICES WITH HOME-OWNERS IN XXXX. IM VERY SURE THEY HAVE ACTED FRAUDULENTLY AND IN BAD-FAITH WITH MANY OTHER HOME-OWNERS IN XXXX IN ORDER TO FORECLOSE ON THEIR PROPERTY AND MAKE A PROFIT WHEN SELLING THEIR HOMES. WE ALSO FILED A COMPLAINT WITH THE XXXX DEPT. OF FINANCIAL SERVICES.
PLEASE ACT EXPEDITIOUSLY IN THIS MATTER AS WE ARE ALSO TAKING THIS TO OUR US SENATORS AND REPS. IN CONGRESS FOR AN INVESTIGATION.
WE ARE ALSO CONTACTING THE XXXX ATTY. GENERAL 'S OFFICE FOR AN INVESTIGATION.
|
| 06/02/2020 |
Yes |
|
|
|
Web |
|
|
Step 1 : What is this complaint about?
Went into contract to purchase a new construction home with XXXX XXXX XXXX in XXXX XXXX on XX/XX/XXXX XXXX Gave a deposit of {$2500.00} and approximate expected closing date was XX/XX/2020.
Applied for a loan with the builder 's preferred lender Caliber Home Loans for a USDA loan and submitted all paperwork requested in mid XXXX and was informed on XX/XX/2020 that the USDA loan had been denied due to income limit being above the requirement. They waited over 2 months to realize that I didn't qualify when they had all my information for the last 2 years where it shows my income to be very similar to today 's. Why was this not done promptly to confirm or deny sooner?
Step 2 : What type of problem are you having?
After sending me the USDA loan denial notification, Caliber Home Loans offered an FHA or Conventional loan options and sent Good Faith Estimates for both types of loans.
In conversations with the loan officer XXXX XXXX I mentioned that due to the Pandemic Covid-19 my current contract at XXXX XXXX XXXX may not be renewed and that I may lose my job, and possibly my last paycheck was XX/XX/XXXX.
Step 3 : What happened?
Caliber Home Loans accused me of exaggerating so I could get my closing costs covered and that due to my disclosure of a possible unemployment situation he had no other choice but to deny the loan.
Step 4 : What company is this complaint about?
I explained the situation to the builder 's sales representative XXXX XXXX and he forwarded two other preferred lenders to start the pre-approval process again. I refused to authorize these two other companies to run my credit. In addition to the fact that I can be laid off and that the first preferred lender had already denied the loan, I asked the builder 's representative to cancel the purchase because I was denied the loan.
The builder is now sending me a cancellation & release form stating that management spoke to Caliber Home Loans and they determined I do qualify for an FHA loan and that XXXX would expect me to close on time.
I feel this is unfair and untrue because I have it in writing where the loan was denied, so it is not because I don't want to close but due to the reasons stated above.
I understand if they don't want to give me my {$2500.00} deposit back plus the {$500.00} deposit for upgrades selected but for me the most important thing is to make sure that I am not liable for anything else.
Step 5 : Who are the people involved?
People involved : XXXX XXXX XXXX, Caliber Home Loans and myself.
|
| 09/23/2017 |
No |
|
|
|
Web |
|
|
Caliber closed with so many problems on my loan at the time of closing. When those errors and issues started showing up, I was told by XXXX XXXX - XXXX XXXX in the XXXX, WA XXXX ; " You signed the closing documents, if you did n't catch these mistakes then that is your fault '' and then she hung up.
I called Caliber 's corporate offices in Texas and explained what happened. The Vice President I was talking with paid attention and said all of the right words. I felt somewhat like something might actually take place, but actions show what words can not ; and their actions were nothing. I filed complaints with the CFPB and they kept saying how they did the best they could, but could n't take care of everything. Well is that the message you want to hear from your mortgage company. My loan was a slam dunk and the mistakes were an unprepared broker trying to get a file presented for closing, but she had to have that file prepared by close of business on a Friday and well, when XXXX PM hit she obviously had dinner plans because even though I kept finding number problems with more than 12 possible filings, all of which she said were right and none of them were. I 'm not a numbers guys and I was finding major issues with everyone and it was a problem for XXXX because she was late for dinner. The file was sent and I found mistakes several months after the closing only to hear those wonderful words from XXXX, " You signed the closing documents and if you did n't find these issues then that is your fault. '' 2 years later and I am trying to refinance and get the XXXX away from Caliber Home Loans because it has been two years of pointing out mistakes after mistakes and 3 complaints to the CFPB forcing them to do the right things, when I found that I can not get out of my loan with them because they messed up the title. I had to use their Title Company and I did n't want to because the same company made mistakes on one of my XXXX houses ; but Caliber said I had to use them or they would n't do the loan. Either Caliber or the Title company filed the builder number for the unit wrong and at the county is shows that I own a unit three doors down from me and they own my unit. I ca n't get away from them fast enough, but in this case I ca n't even do that until they fix this mistake ; and their response was we 'll take a look at it and get back with you in a week or so.
Do n't use this company. Save yourself the pain and agony and go with another mortgage company. By all means do n't for any reason use XXXX XXXX as a mortgage broker.
|
| 06/08/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I " XXXX XXXX '' along with the help of my XXXX housing counselor applied for a loan modification for my property " XXXX XXXX XXXX XXXX XXXX NY XXXX loan # XXXX " with Caliber Home Loans. We submitted a the loan mod packet on XXXX/XXXX/2016 via fax. As of XXXX Caliber informed us they has a complete packet and it was sent to underwriting on XXXX/XXXX/2016. We followed up via phone every week after that to make sure the underwriter would not need additional docs. My housing counselor and I spoke with an agent on XXXX/XXXX/2016 and we were told packet was complete no additional docs needed, We spoke with Caliber on XXXX/XXXX/16 with XXXX teller XXXX and we were told loan still in review and no additional docs needed. Finally on XXXX/XXXX/16 30 days after it was sent to underwriting Caliber requested an updated bank statement for borrower which we then sent via fax on XXXX/XXXX/16. We called on XXXX XXXX, 2016 and we were told that bank statement received and that now it was sent to underwriting and we have to wait another 30 days for a decision. We explained that Caliber can not add an additional 30 days to decision process since the underwriter had a complete file for 30 days and only in the last minute the underwriter decided to now ask for a bank statement witch we sent within 48 hours of the initial request, Caliber just kept repeating the same thing " just wait another 30 days '' My housing counselor asked to speak with a manager and spoke with XXXX teller id # XXXX and she said she was a manger and that she would e-mail the underwriting department and underwriting supervisor to make sure they make a decision and are being compliant with underwriting guidelines, she then told us to call back tomorrow and we would have a better idea of when a decision will be made. We called the next day and spoke to XXXX teller id XXXX and we were told that file was in underwriting and wait additional 30 days. My housing counselor explained the conversation we had with a previous manager XXXX the day before and then we were was told that XXXX is not a manager so she basically misrepresented herself on the call the day before. We were then transferred to another person who told us he was a manger XXXX teller id # XXXX, My housing counselor had to explain the whole ordeal to him and he basically said just " wait another 30 days ''. XXXX did not care that underwriting had a complete packet for 30 days and just wanted us to get off the phone. This is why I am filing a complaint against Caliber Loans in regards to my mortgage.
|
| 07/27/2017 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I kept receiving notices that we could lower our monthly payments or refinance our mortgage. So instead of going with my normal broker, I gave caliber home loans a try since our current mortgage was with them. I dealt with XXXX XXXX, what started off as a great conversation and superior customer service turned into one of the most disturbing and unfortunate situations.
After a three hour phone call, he told me we were approved. Next step was getting a home appraisal, he told me to use a credit card that I planned on paying off with our refi/debt consolidation. {$850.00} for a home appraisal- Once he took that transaction over the phone, it was like he disappeared off the face of the earth. I would call, email, text With questions about where we were in the process. He blocked his phone number so we could not get in touch with him. I know he did this because I would try from a different phone numbers and it would go through successfully. My husband finally got through to him on the phone, and XXXX would just continue to make excuses and ask questions as to delay the process. 2 1/2 weeks later we were still In limbo/ waiting ... after being told we were already approved and signing paperwork. Now out {$850.00} on top of her other debt we were hoping to pay off with our refi, I finally called the customer service number. They told me that he did in fact exist, and that someone should have been in touch with me. Then we find out that we were not approved, we were completely left in the dark and {$850.00} more in depth. Never a phone call and email a response. I have email after email of trying to touch base with him he finally responded at the end apologizing that he did the best he could!!!
After this experience, I went back to my broker in tears. I totally got reprimanded for not using him in the beginning Luckily XXXX at XXXX XXXX in XXXX Oregon Took over, used the current home appraisal and got us approved for a refi. his company hounded XXXX for some information and again no response- they needed to go directly to customer service and request the information that they needed. And in the end they were the ones who encouraged us to file a complaint against caliber home loans and XXXX XXXX as this is completely and totally unacceptable.
I have emails that I could probably pull up off the cloud if necessary, I do have the current emails from XXXX XXXX attempting to reach out to XXXX for information multiple times.
Caliber home loans is a total joke, I would never recommend them, use them or return to them.
|
| 05/17/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I filed for bankruptcy in XX/XX/XXXX. At the time I filed all my mortgage payments were current. I DID NOT include my mortgage in the bankruptcy and continued to pay it directly to Caliber, outside of the bankruptcy. In XXXX of XXXX, I received an escrow analysis and refund, stating my payment would be modified downward due to a change from the previous year ( XXXX ) in my homeowners insurance and premium that went down significantly. My bankruptcy attorney instructed me to continue to pay my old payment, even though it had been lowered per my statement from Caliber Home Loans, until he had a chance to confirm because he stated that they had also just filed a claim against my bankruptcy for an escrow shortage ( they claimed my escrow account was short by {$3200.00} )??? According to the escrow analysis and refund they had sent the month prior, there was no such shortage? I continued to pay the original mortgage amount until XXXX when my attorney instructed me that the amount was somehow correct and would be paid through the bankruptcy trustee payment I was making, so I could begin to pay the amount shown on the monthly statements I was receiving from Caliber. I was upset by the fact that they could do this and I had seen no proof of a supposed escrow deficit. By this time, I had paid an additional $ XXXX a month for 5 months, and so they said I had no payment due as I was overpaid at that point!?! The amount began to change every month on the statements I received from them from that point on. I continued to pay more than what the payment amount was, if I could, each month. Fast forward to the XX/XX/XXXX statement they sent me and it shows them reversing 4 months of payments I made from XX/XX/XXXX through XX/XX/XXXX and saying that I now owe {$11000.00}???? And they have yet to show me in writing, or my attorney as far as I know, how they arrived at the escrow deficit they say I owed last year AFTER they had sent me a refund??? I feel that something is not right and they are trying to force me into losing my home somehow and they are collecting more money through the bankruptcy payments than what I actually owe. I worked with them for months trying to get a loan modification in XXXX and they denied it. They have never given me straight answers and each person i talk to gives me differing information! I want my entire mortgage audited and to know how they can file these things with no proof that it was owing or that I was in an escrow deficit in any way!!!!! Criminal and unethical at the very least!!!
|
| 03/25/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
We have been struggling with Caliber Home Loans since XXXX XXXX to correcting errors in our account. Prior to XXXX XXXX, XXXX our loan servicer was XXXX. They made numerous mistakes during the period of XXXX XXXX to XXXX XXXX, XXXX. During this time period we were not only current but paid through XXXX with {$500.00} in our account for XXXX 's payment. Caliber told us that our account was behind. It took quite awhile for Caliber to research it and then we were told that XXXX had made some mistakes. We struggled with XXXX to get our records to pinpoint where the problem was located in our account.
XXXX repeatedly told us that we needed to work with Caliber because they were the servicer. In a letter dated XXXX XXXX, XXXX, from XXXX XXXX, Vice President, Customer Service, Caliber Home Loans, she states : " Furthermore your allegations are regarding the previous servicer and not Caliber. Please be advised Caliber is unable to confirm any actions or provide any answers in regards to the previous servicer as we are not affiliated with them. In order to have these concerns adequately addressed, you should contact your prior servicer directly. '' The previous servicer ( XXXX ) is refusing to address the issue. Today I spoke with XXXX XXXX at XXXX and she informed me that they had an agreement with you to resolve any issues or complaints or misappropriation of our funds. So I spoke with XXXX ( XXXX ) at Caliber who immediately realized that the problem needed to be addressed by a manager. After waiting for quite some time XXXX ( XXXX ) took my call. She was not especially helpful. She said there is an open complaint and it would take an additional 30 days to " research ''. I let her know that this is unacceptable because we have been waiting for a response since XXXX XXXX that will resolve our issues. She balked at sending us copies of our monthly statements and financial payment history. I requested the records because Caliber has assessed fees and late charges that she says do not exist but I see them on the copies of the statements that I have. She also refused to do a follow up phone call or email to keep us updated on how the research is progressing. She said that Caliber is unable to speak by phone between the research department and customer service. Customer service is also not allowed to phone customers or email them. This does n't seem like customer service to me. XXXX is telling us that we have a single point of contact at Caliber when this XXXX XXXX has never spoken to us nor returned our calls.
|
| 03/29/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
I only have Social Security Benefits and in XX/XX/XXXX I applied for a Loan Modification on my home, because I had to resign from my job due to health reasons, caused by stress with my employer ( XX/XX/XXXX ). I have been looking for work everyday. Only make enough doing XXXX XXXX, so I can survive. I received a letter dated a letter dated XX/XX/XXXX offering me a Trial Payment Plan, commencing from XX/XX/XXXX thru XX/XX/XXXX.
I accepted their offer and signed the Letter-Trial Payment Plan Offer and mailed to them on XX/XX/XXXX. My first payment for XX/XX/XXXX was made within the terms, by XX/XX/XXXX. The XX/XX/XXXX was also made by XX/XX/XXXX.
I received a letter from Caliber Home Loans asking me to sign a Title Subordination Form and mail or EMAIL to them with 30 days. I in fact emailed the signed form on XXXX, to the email address provided in my letter. I received no other correspondence, stating they did receive the Signed Title Subordination Form. On XX/XX/XXXX I called to make my last Trial Payment and was told that my LOAN MODIFICATION was closed. I asked the SPOC employee why the Loan Modification was closed and when was that decision made. He told me that it was closed on XX/XX/XXXX, because they did not receive the signed Title Subordination FORM in time.
I called their office again the next Monday, XX/XX/XXXX and was told that they did not receive the FORM until XX/XX/XXXX I asked where was my signed form from XX/XX/XXXX until XX/XX/XXXX. She could not tell me. XX/XX/XXXX happened to be 31 days after my letter dated XX/XX/XXXX, stated that they have to receive the signed Title Subordination FORM within THIRTY DAYS ( 30 days )??? All I was told was that my Trial Period was over and I would to reapply again for another Loan Modification, which I did on XX/XX/XXXX. Received all of my paperwork and TODAY-XX/XX/XXXX received a Letter dated XX/XX/XXXX from Caliber Home Loans, they denied my Loan Modification. They will start Foreclosure process if I do not bring my Mortgage Loan Current or I CAN APPEAL their decision, which I intend to do immediately. I am also contacting a HUD Approved Counseling Service on Monday XX/XX/XXXX to get some help, I PRAY to stop any Foreclosure procedures. I have only been able to work doing food delivery at almost XXXX years old and struggling to HOLD to my HOUSE. I got behind in XX/XX/XXXX. I did receive a loan modification in XX/XX/XXXX after my son passed away on XX/XX/XXXX and I was his only caregiver and he had not income and was waiting on SS XXXX.
|
| 04/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Last year XXXX of XXXX my wife and I checking account got hacked. We received multiple unauthorized charges therefore our checking account was automatically frozen by our banks Fraud department. While the account was frozen our monthly automatic mortgage payment unfortunately did not get processed for the month of XXXX. We honestly had no idea the payment did not go through. Our bank eventually reopened our account and our mortgage payments continued to get taken out every month thereafter. Calber home loans never once tried contacting me to notify me that the payment was missed for the month of XXXX. Had we known the payment did not go through, we would have immediately made the payment. We never received any type of contact from Caliber Home Loans, a credit collection agency or anyone saying that the payment was not received. Since the payment didn't go through Caliber Home Loans reported it to the credit bureau every single month until just recently XXXX of XXXX I received a notification from XXXX that I had a hit on my credit report. When I opened XXXX up it showed that my credit had dropped from a XXXX to a XXXX. Caliber Home Loans has completely destroyed my credit and any chance of getting any type of loan. All they had to do was pick up the phone and call me and I would have immediately made the payment that was missed. When I finally found out we had missed a payment we immediately called and made the missed payment. As stated above, we continued to make our monthly Mortgage payments every single month but instead of using that payment for the one that was missed they continued to report us to the credit bureau as late. My wife attempted to call Caliber Home Loans and ask if anything can be done fix it and she was told there is nothing that can be done. When she asked why we were not contacted by anyone, the rep for Caliber sated " we don't have to contact you ''. We have made every single mortgage payment on time our entire lives and honestly had no idea this had happened. This is absolutely wrong for Caliber to do this to someone. A simple phone call or mail would have notified us that the payment was late and we would have immediately made the payment. Still to this day I would not have known the payment was missed if it wasn't for XXXX notifying me that my credit dropped. I have since filed a dispute that was denied by Caliber Home Loans. I have now uploaded proof of Fraud from my bank during the same time the payment was missed. Something needs to be done about this.
|
| 01/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Hi. I have a existing loan with Caliber Home Loan and they have send me flyer to low my interest rate with no closing fees if I refinance with them. I started my process and was able to bring another loan to Caliber. I was promised to close by end of XX/XX/2020. My loan consultant was change, then customer service was getting worse. They were not returning phone call or email. I summited my loan as primary and I provided whatever was needed to consider this as primary. They kept on asking me one thing after another. They basically were thinking I was lying. Long story short- now it is almost 4 months. 2 weeks ago the underwriter want the appraisal changed and we went and change it. I thought that was the last thing. I called the customer service and confirm everything and he mention my loan was approved as primary and we wont have any problems. I got a call from loan consultant after 2 hours saying my loan is not approve and appraisal was not over turn. I was pretty much like someone just told me something else. Next day XXXX my loan processor called and said your loan is approved as primary and we want to schedule signing. She even mention my loan consultant made a mistake. My loan process and I work all day to set up signing in 2 days. Next day my loan consultant calls me again and said loan is not approved as primary. A day before my signing. At this time I was just super XXXX. I got on the phone with her manager and he was no help. ( I have emailed and called him several time but that guy always ignores me ). I went up to CEO and filed a complain. couple other managers got involved. We solve this situation out on Saturday after having a conference call. I was given a closing estimate and I made a decision on that. Monday I got the final discourses and they were charging me additional $ XXXX to whatever they send me couple days ago. Their respond was that it was mistake. I said AGAIN. I have wasted my 4 months with this company. This company is the worst customer service I ever being through. I regret closing my other loan with this company. I have all the proof where they have quoted me approval and pricing and how they came to me and change it. Very unprofessional and unexperienced people. Shame on Caliber to have people like working for them and giving customer so many different wrong information. I would like CFPB to look into this matter and hold Caliber Home Loan reliable. Financials institution just cant reply wrong information so many times to same customer. Thank you
|
| 10/19/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Mortgage went up in XX/XX/2022 so I called caliber home loans to find out why. They said that it was because my fire tax went up and I told them there is no fire tax in XXXX XXXX at least not in my area I only have property, school, and water taxes. She said well thats what is the fire tax and didnt give me any other help or answers so I did research on my escrow account to find out that my deed was not recorded right because we have 2 lots they did not get combined and one was in our name and the other wasnt so I called back and told them about the parcels not being combined that one was in my name and the other was not and explained to them about the fire tax that we do not have a fire tax in XXXX XXXX XXXX She said they would look into it and it would take 20 days ( she also said they would turn in the paperwork to fix the parcels but didnt do that either ) and I would b contacted once they investigated the tax issue. 60 days went by with no contact so I contacted caliber home loans tax office once again and they said I would have to get a letter stating that the fire tax did not exist I asked who do I get a letter from and they said XXXX XXXX. I contacted all 3 tax offices to see if they could provide me with such letter as to say that the fire tax does not exist in XXXX XXXX and they could not write a letter for a company that is not them or that doesnt exist so I called caliber back to ask them what to do. The guy actually laughed and told me that is the only way to take the fire tax off and they could not just take it off and I proceeded to tell him they were fraudulently charging me for my taxes and asked them where they sent the payments for this he said XXXX XXXX and I said where whats the address and he said they wire the payment I asked for more info on the payment and no answers made sense. I have tried multiple times to call caliber and get this fire tax taken off but I am having no luck at all with this company taking it off or even doing any research to make it right. I mean taxes are public access and can be looked up by anyone. I just need the fire tax that I have been paying for taken off of my escrow account and get refunded for the amount I have been overpaying I also explained to them that the amount I was being charged for the said fire tax was the exact same amount as the water tax and asked them XXXX that was possible that the water and fire would XXXX exactly the same. XXXX never had any answers but keep charging me for this on my escrow account.
|
| 05/21/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I was considering putting my house on the market and the agent told me what we would list for. I decided not to sell right now but realized I should have PMI removed since the the market has improved significantly since I purchased my home. Caliber Home Loans offers two options for removing PMI 1 ) full appraisal and 2 ) Broker Provided Opinion.
I chose the BPO. The Broker came to my home on XX/XX/XXXX. I told him that a bonus room was added and I wanted to make sure that was reflected in the sq footage. The Broker told me that he had to use the sq footage on the tax record unless I could give him the appraisal that shows the sq footage has increased. The bonus room was added before I purchased the home but after it was originally built. I didn't have a copy of the appraisal but told the Broker that he can get that from Caliber. The Broker said it would have to come from me. I called Caliber around XX/XX/XXXX and they mailed me a copy of the appraisal showing the sq footage to be XXXX vs XXXX which is on the tax record. On XX/XX/XXXX I received the appraisal AND a letter from Caliber saying I did not meet the requirements to remove the PMI, my LTV is 78.390 %. I didn't receive a copy of what the Broker gave them as far as what sq footage the Broker used, comps etc.
Around XX/XX/XXXX I called to confirm that he used the actual sq footage and NOT the tax record because there is appx 300 sq ft difference. I called the Caliber XXXX number to ask for a copy and what sq footage the Broker used and if he had used comps. I spoke to agent XXXX. She said she could not give me that information and my only option was to appeal the decision by completing the " contact us '' form. She said there was no one I could actually speak to. I completed the form twice since speaking to agent XXXX and have not heard back from anyone via email or phone. I also sent a message via twitter asking that someone contact me and never heard back from anyone.
I paid for the BPO so don't understand why I can't get a copy but more than that I don't understand why I can't find anyone that will actually speak to me. I would like to see what the Broker used to make his decision.
I have attached the original appraisal to show the actual sq footage and the last 5 homes that sold in my subdivision as well as the denial letter. The average per sq ft is {$110.00}. If you multiply that by my ACTUAL sq footage that is {$250000.00} and I owe {$190000.00}. That is 76 %.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 06/06/2017 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
My name is XXXX XXXX . I am a loan officer with XXXX XXXX . I am making this complaint of through my own motivation and not at the direction of the company I work for. I have recently had the unfortunate situation in which I have worked very hard with a lower to moderate income earning immigrant applicant. He made an offer ( not an accepted offer ) - just simply wanted to make an offer on a home for sale that is owned by XXXX XXXX XXXX XXXX . Which is a Trust that is owned/managed by the same person that owns Caliber Home Loans. My borrowers offer was NOT accepted at the time they put extreme duress and pressure on him to apply with Caliber Home Loans to be pre-approved. So, in order for the listing agent to even present my client 's offer on a home my client had to go to a Caliber Home Loans for a pre-approval. I know in this day and age of BIG business and banking that lobbyist rule, and he who has the most money gets to make the rules ; however, this not only affects me and my ability to support my family it also affects our clients. Anytime credit is re-pulled it has the potentially to affect the credit score of the borrower. If the credit score is negatively affected - by that mean because of inquiries the credit score goes down - this could impact the rate of private mortgage insurance the buyer pays. In this particular case if the private mortgage insurance goes up, the monthly payment goes up AND the borrower no longer qualifies. Since inquiries can affect credit scores this could affect insurance premiums and loan rates down the road. Requiring a borrower to be pre-approved BY ANY LENDER as a requirement to have their offer accepted is the very definition of steering. Steering is suppose to be against the regulations and rules yet THE OCC, HUD AND NOW THE CFPB DO NOTHING to prevent it. Kick backs are also not allowed yet PULTE Builders can offer their clients 10K in upgrades to go to XXXX XXXX ( despite the fact that XXXX XXXX has higher than market interest rates ) - how is that putting the CONSUMER in a better position??? How is that not steering? How does the CFPB allow this to go on? Steering is not allowed according to the law. Kickbacks are not allowed according to the law yet this is common place with big companies and big builders. I would like to see the CFPB enforce the law on ALL COMPANIES even if they are the seller of the property. This practice is not only against the law it is potentially harmful to the consumer.
|
| 08/23/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have had a mortgage with Caliber Home Loans since XX/XX/XXXX. We have always paid our mortgage on time, albeit with some payments after the grace period during the month. In XX/XX/XXXX I had to pay a big XXXX XXXX bill and had not received an expected reimbursement from my employer for work related expenses. So we had to pay our mortgage later in the month than expected.
On XX/XX/XXXX I set up a payment to be made on XX/XX/XXXX. I set the payment up on line and received a confirmation from the company. ( Confirmation number XXXX ). My pay check was deposited in my account on XX/XX/XXXX and I had a balance at that time {$8000.00}. My regular payment is {$2700.00}.
I had assumed the payment was going to be processed and did n't think about it again until I looked for it having cleared my bank on XX/XX/XXXX or XX/XX/XXXX. I saw that it had not come out yet, but I thought maybe because of the XX/XX/XXXX holiday it had taken longer than usual. I then did n't think to look again until XX/XX/XXXX. When I saw that it still had n't cleared I called the company up to see why they had n't processed the payment. They said they did n't see that I had ever set up a payment.
I had actually taken a screen shot of the confirmation of the payment and so I asked them to research the payment with my confirmation number. They told me that the payment had been set up and then immediately cancelled by me. I told them that I never cancelled the payment and they had an issue with their computers and was basically accused of being a liar. They told me to call back the next day. I immediately set up the payment again and followed up the next day with another person at Caliber. This person actually did call me a liar and said it would be easy to set up a payment then cancel it and say you had made a payment. I asked for a supervisor and was put on with a gentleman by the name of XXXX. He said he would research the issue and get back to me. He never did, but I was able to get his phone number and call him back. He said he had not heard back from XXXX but would call me when he heard something. I 'm still waiting for that call. I 've left two voice mails for him too.
This is an awful company who does n't feel accountable to it 's customers and I would go so far as to say has disdain for them. I now have a negative credit report for my mortgage. I am trying to refinance with a new lender. I 'm outraged at being accused of lying about something like this when they made the mistake.
|
| 07/20/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This will be the fifth complaint against CALIBER HOME LOANS, INC., that has been submitted with CONSUMER FINANCIAL PROTECTION BUREAU ( hereinafter " CFPB '' ) from XXXX XXXX, XXXX until XXXX XXXX, XXXX. The other XXXX CFPB complaints that have already been submitted to CFPB in the last twenty ( 20 ) days are XXXX, XXXX, XXXX, and XXXX. These XXXX ( XXXX ) prior complaints against CALIBER HOME LOANS, INC., has been and continues to be about the same subject matter.
XXXX XXXX XXXX passed away on or about XXXX XXXX, XXXX. There was a BARGAIN & SALE DEED filed and recorded with the XXXX XXXX RECORDS & LICENSES OFFICE as XXXX or XXXX, which the rights of survivorship went to XXXX XXXX XXXX by operation of law because of the BARGAIN AND SALE DEED. XXXX XXXX XXXX got married since then and now goes by XXXX XXXX XXXX XXXX XXXX.
CALIBER HOME LOANS, INC. then decides to mail a " Notice of Servicing Transfer '' dated XXXX XXXX, XXXX. Immediately after that XXXX XXXX XXXX XXXX XXXX faxes CALIBER HOME LOANS, INC., a " General Power of Attorney '' that instructs clearly to CALIBER HOME LOANS, INC., where to send any and all correspondences, XXXX mail, XXXX, regarding this matter to XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. An " Affidavit of Survivorship '' that includes a Certified Copy of XXXX XXXX XXXX 'S DEATH CERTIFICATE as Exhibit " A '' was also faxed and sent to CALIBER HOME LOANS , INC .
CALIBER HOME LOANS, INC., sent an acknowledgment letters about making the proper adjustments and changes dated XXXX XXXX, XXXX, and XXXX XXXX, XXXX.
After informing and warning CALIBER HOME LOANS, INC., about FAIR DEBT COLLECTION PRACTICES ACT violations by THEM continuing to harass and XXXX the people who are at XXXX XXXX XXXX XXXX, XXXX, Washington, XXXX mailing address, CALIBER HOME LOANS, INC. mails a " Mortgage Statement '' dated XXXX XXXX, XXXX, after being properly informed and notified on numerous occasions to mail and ship everything only to XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX!!!
CALIBER HOME LOANS, INC., has also been warned on numerous occasions that the property is not under XXXX XXXX XXXX, nor has it ever transferred to THE ESTATE OF XXXX XXXX XXXX because of the " Rights of Survivorship '' that XXXX XXXX XXXX XXXX received automatically by operation of law, with the evidence of the BARGAIN AND SALE DEED, XXXX XXXX XXXX 'S DEATH CERTIFICATE, and the AFFIDAVIT OF SURVIVORSHIP. ''
|
| 10/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Please research my credit history. You can see that it was great until XXXX XXXX XXXX. My Mortgage company ( Caliber ) has ruined my credit. Ive argued with them for over 6 months. Caliber management is adamant they are right, and more importantly, I am wrong. I filed a XXXX claim against them back in XXXX and my account has been flagged. I cant speak to customer service about my account without having to go straight to a manager. This is retaliatory and unfortunate because customer service seams competent and helpful.
Caliber, in ERROR, added escrow to my account in XXXX. They later corrected it in XXXX. However, they credited escrow for most of my XXXX payment. I found out in XXXX that they sent me a check in XXXX for the amount that was sent to escrow. I never received it, nor was I expecting a payment. I never received, cashed, or was wired any money from Caliber. Every month we are on the phone trying to figure out why they are sending us delinquency notices and why they say our account doesnt balance. On our end, we show that the amounts we paid equal the amounts we owe as of XX/XX/XXXX '. Customer Service saw our issue and promised a returned call by a manager. Finally, in XXXX a customer service rep tells me in mid XXXX that a check was sent back in XXXX. Caliber puts a stop on the check and reissues. So, in XXXX I receive a check, I deposit and send back to Caliber. Now they show my balance as resolved. Meanwhile, to the rest of the world, Im late paying for XXXX, XXXX, XXXX, XXXX, XXXX and maybe XXXX.
If Im delinquent, why are they sending me money. Why couldnt they just keep it and not ruin my credit? A Caliber manager that I was forwarded to insisted that as soon as they wrote me a check for the escrow reimbursement back in XXXX, I was delinquent. If I havent received the money, Caliber still has the money. I didnt get the money until XXXX. Caliber management is not going to research anything. If their screen reads late. It is late. PERIOD.
This all began by a Caliber error. My account should have never been thrown into escrow. My payments should have always been {$1200.00}. If Im late, it is just for XXXX and XXXX. That is when my wife was on the phone with them trying to figure out why they applied escrow to our account in the first place. Im not doing this because of the $ XXXX late fees. Im doing this because my credit that I spent 30 years building has been trashed in 6 months by a payment misunderstanding.
Please help,
|
| 02/11/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
STATEMENT OF COMPLAINT : With this complaint, XXXX XXXX XXXX is requesting the Consumer Financial Protection Bureau bring enforcement action, both civil and criminal, against Caliber Home Loans , Inc .
For purposes of this complaint, " Caliber Home Loans, Inc. '' means any principal, partner, shareholder, attorney, contract attorney, representative, agent or employee performing any service or work related to any foreclosure, past or present, connected to any mortgage loan, deed of trust or any document submitted to the Public Trustee of XXXX County relevant to the real property located at XXXX XXXX XXXX XXXX in XXXX County, Colorado.
Relevant state and federal court records and documents establish that Caliber Home Loans has knowingly and intentionally engaged in coordinated debt-collection activities to collect a debt in violation of state and federal laws including, but not limited to, the Federal Fair Debt Collection Practices Act ( FDCPA ).
Specifically, Caliber Home Loans is and was, at all relevant times, engaged in the collection and attempts to collect, both directly and indirectly, a time-barred debt from XXXX XXXX XXXX, which Caliber Home Loans unlawfully alleged was owed and due to others.
Additionally, seven years of relevant documents, business records and communications establish that Caliber Home Loans has knowingly and intentionally engaged in coordinated debt-collection activities to mislead, intimidate, and harass XXXX XXXX XXXX, in violation of both state and federal settlement agreements.
Moreover, XXXX XXXX XXXX has probable cause to believe that court documents and court records, along with relevant business records and communications, establish Caliber Home Loans knowingly and intentionally engaged in coordinated and debt-collection activities in violation of FDCPA to commit a fraud on the PUBLIC TRUSTEE OF XXXX COUNTY.
XXXX XXXX XXXX hereby incorporates by reference each and every statement and fact contained within Consumer Financial Protection Bureau Case Number XXXX, as if specifically set forth herein.
XXXX XXXX XXXX hereby incorporates by reference each and every statement and fact contained with Consumer Financial Protection Bureau Case Number XXXX, as if specifically set forth herein.
Finally, XXXX XXXX XXXX hereby incorporates by reference each and every statement and fact contained within any state or federal court document or record relevant to this complaint, as if specifically set forth herein.
|
| 11/13/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I called my mortgage company ( Caliber Home Loan ) XXXX XXXX and told them that I know my modification will end in a couple of years and I wanted to proactive and try to do something early. I told them the homes in my area are declining and that my neighbors are buying homes for XXXX XXXX, and my balance is XXXX XXXX XXXX XXXX plus. The agent asked me if they make me an offer to buy the house at the fair market price would I keep the home, ( I told them I was going to find another home less expensive )?
I said yes .She said get a preapprove loan from another lender and send in a hardship letter. I did just that in XXXX and XXXX. The first one they denied because when they sent the appraiser out the value was XXXX XXXX XXXX and I offered XXXX XXXX XXXX. I told them okay, I will do it XXXX XXXX XXXX. They told me to resubmit it again along with hardship letter. I did as they told me. Never heard anything from them again on this matter. On XXXX XXXX XXXX I received a letter from them about modification they also sent one in early XXXX. I called them the earlier part of XXXX and told them I wanted to continue the modification or short sale but right now I am in the process of burying my husband he died expectantly XXXX XXXX. They expressed their condolences and said ok. I received a letter on XXXX XXXX from their lawyers 9 XXXX XXXX and XXXX XXXX saying they are foreclosing on XXXX XXXX XXXX. Right now I am so devastated the loss of my husband and now dealing with this. I kept asking them about the previous offer, no one can answer my question it 's like they are blaming each department. Spoke with XXXX ID # XXXX in XXXX XXXXSent her information that they should 've already had. Spoke with XXXX ID # XXXX on XXXX XXXX XXXX XXXX he could n't explain transferred me to his supervisor XXXX ID # XXXX. She looked in the system and said from what she see they gave me an offer back in XXXX for XXXX XXXX XXXX XXXX dollars. I told her that did not happen. She looked again and said yes I see. She then said I see your offer for XXXX XXXX XXXX I wonder why they did n't respond to that. She said I will forward this over to another XXXX name XXXX XXXX ID # XXXX property solution manager and see what she says. Have not heard anything yet and XXXX is approaching. What I would like to happen is, they give me the offer to buy at fair market, or give me time to find somewhere else to live. My XXXX XXXX XXXX dad is living with me also. Please help me I am so exhausted.
|
| 04/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Older American, Servicemember |
|
My husband and I applied for a mortgage loan from XXXX XXXX at Caliber Home Loans. We were also working with a Mortgage Broker representing various other lenders in an effort to secure the most favorable rate. Throughout the process with Caliber Home Loans, XXXX XXXX, never once mentioned to us that her rate would include a charge for points. Throughout all phone conversations with her and in all of email exchanges back and forth, she never revealed to us that her interest rate of XXXX included a fee for points. On XX/XX/XXXX, we advised XXXX that our closing date was changed to XX/XX/XXXX, and we asked her to provide us with her firm rate quote as it was our intention to lock in the rate prior to our closing. She responded to our request exactly as follows : Hi there! Good news on moving the closing so we could lock. The market is bonkers and rates are really creeping hard. I locked you ahead of another bad pricing change so we are at 3.650 % right now and can get to the XX/XX/11 closing date.
As you can see from her response above, she said nothing about points being charged. My husband responded to her at that time and advised her that we had an offer from another lender for 3.62 % with 0 points and asked if she could match that rate which was slightly lower and she responded by saying that they did not have that rate option but reminded us that she would not be charging us for an appraisal. Even though we advised that the other lender was not charging any points, she still did not disclose to us that her interest rate was based on points, which ultimately cost us an additional {$5900.00}.
We did not realize that we were being charged points until we showed up for our closing and the closing agent pointed out the points being charged. XXXX did send us a rate disclosure document, electronically for signature, and on page XXXX, in fine print, the document showed the charge of {$5900.00}. From our perspective, she was deceptive and unethical by failing to disclose the points to us, but rather hiding them on page XXXX when she later sent forms over to us for electronic signature. If the terms of a business transaction are clear upfront, consumers are able to understand their options and effectively comparison shop. We had an expectation that Caliber Home Loans would compete fairly and ethically, but that is not how I would describe our interaction with this company. We will provide documentation of our claim.
Thank you, XXXX & XXXX XXXX
|
| 01/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
On XX/XX/XXXX, I contacted Caliber Home Loans to inquire a refinance letter received in the email. I spoke with XXXX XXXX from Caliber Home Loans who gave me more details regarding the refinance letter I had received in the mail. He reviewed my existing mortgage and recommended doing a refinance to a 10 year mortgage since the payment would only be {$27.00} more and we would save $ XXXX in interest compared to a 15 year mortgage. I mentioned that we had a home equity line of credit on the property as well as the mortgage from Caliber Home Loans. We discussed the amount the home equity line of credit was and the current balance of both loans. He said the home equity line of credit wouldn't be an issue since the mortgage and balance of home equity line of credit was less than my current mortgage loan was originated for. He told me that I had to pay {$23.00} for a credit check to move forward so I did. I submitted all required documents that day. He explained that the closing was going to take several months due to the low interest rates and all the refinances going on so don't expect any communication for a month or two.
On XX/XX/XXXX, I received a letter from Caliber Home Loans saying the loan application was " Withdrawn by Applicant ''. I immediately reached out to XXXX XXXX trying to understand why the letter stated that I request to cancel the loan. He responded by saying " Looking at the notes it looks like there was a second mortgage/lien found on the property. We can not subordinate it. ". I asked him for more details about the second mortgage since I am not aware of one and he stated that the HELOC is considered a second mortgage.
I tried to contact Caliber Home Loans Advocacy Department however it plays a message saying to call during normal business ( which I was ) and then hung up. I called Caliber Home Loan 's customer service normal and was informed by a agent that that Advocacy Department phone system was down and to try later. I requested an executive path and was told that the best I could get was a call back when the system is back up or to call back after the system was back up.
I am very concerned that Caliber Home Loans isn't tagging the loan cancellation reason correctly since the customer didn't ask to cancel the loan as well as not providing any details on why they cancelled the loan. I would like to understand why I was charged for a credit check if Caliber Home Loans doesn't allow existing HELOCs for a refinance.
|
| 05/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Im filing a complaint against the mortgage company, Caliber Home Loans.
There are two parts to this complaint : ( A ) Im being wrongly accused of owing Caliber Home Loans $ XXXX dollars in escrow shortage costs, and ( B ) Caliber Home Loans has wrongfully dinged my credit score for a late payment that never happened since I was set up on automatic payments.
- Last week - on XX/XX/XXXX - I called Caliber Home Loans and spoke to a representative about the sudden increase in my upcoming XX/XX/XXXX mortgage statement. The representative was unable to explain to me why the escrow amount increased in my upcoming mortgage payment, nor provide evidence to explain why there was a XXXX escrow shortage ( especially when my current escrow balance on XX/XX/XXXX indicated a positive XXXX amount ).
On top of this, when I spoke to a different XXXX Home Loan loan officer about a refinance on the same day, I discovered XXXX had not only miscalculated my current escrow dues ( and upcoming dues ) but they also dinged my credit score for a late payment back in XXXX XXXX which shouldn't have occurred since I've had automatic payments set up for that loan completed in XX/XX/XXXX.
- I've had a total of 3 loans with Caliber Home Loans since XXXX. In reviewing the attached documents, all 3 of my loans had a similar county tax and insurance cost. As a homeowner exemption, my tax per {$1000.00} net is {$6.00}. Caliber is Home Loans is paying double that AND trying to charge my escrow.
Caliber Home Loans is also charging me for windstorm insurance which was not included in my estimated escrow and closing disclosure at the time of my refinance. XXXX was also not included in my previous 2 loans with Caliber Home Loans.
My escrow should be paying county taxes of ~ {$4900.00} for the full year or 2 payments of ~ {$2400.00}. My current escrow balance should be nearly {$2000.00} if they ( XXXX XXXX paid the correct amount of insurance and taxes.
On the Caliber new quote document provided for my upcoming mortgage statement, you can see the previous year where they claimed to pay county tax and windstorm insurance which is where the " shortage '' comes from.
In all three loans with Caliber, I've had ACH auto payment setup with Caliber - but for some reason they didn't set it up until XX/XX/XXXX on my current loan. In the documents attached, you will also see that they charged me three payments at once in XX/XX/XXXX and then dinged my credit in XX/XX/XXXX.
|
| 10/16/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
To whom it may concern I would like to file a complaint regarding A mortgage modification from caliber home loans. I have been trying to get a home modification ever since XX/XX/XXXX when our mortgage was with XXXX. Since then my mortgage was transferred to XXXX then XXXX. In XX/XX/XXXX XXXX granted us a trial modification. We completed the trial modification on time and everything was fine. As we completed the trial modification our mortgage was sold to caliber home loans however they did not grant the modification. They kept telling us that they need more paperwork and more paperwork. However we kept sending them paperwork we then we 're given a date for foreclosure which we had to file for bankruptcy while we continue to wait for a modification. After years of trying to get a modification we seek help for funding from HEAMP and Pennsylvania house in the Authority assistance however we were told that we had an FHA mortgage so they denied us. They were only excepting conventional mortgages at the time. However recently within the past two weeks we found out when the mortgage was sold in the process to one of the different mortgage companies. We were switch from FHA to conventional mortgage. We are still trying to get a modification with caliber and we are now working with a third-party ( XXXX ) because of the back and forth with caliber. We again had to file bankruptcy because they keep asking for the same paper and foreclosed on us again. The third party as well as myself cooperated and sent everything in. They said we only need XXXX more documents. We sent those in. They said the need XXXX more documents those were sent in. We have been going through this too long. We were advised to file a complaint and this is what we are doing. Our hands are tied we have no where to go and we need help and assistance. I have proof of my situation that I will be sending in. The documents attached are recent letters of how they keep asking for the same information that they told me they received. They also let the third party know that they received these items. They were sent by myself and the third party. So they should have duplicate information. Also I will show how I was giving a trial modification from SPS. These will be on the attached documents. I have been going thru this since XXXX. For 2 years I have been trying for a modification and have been giving the run around. I am working with a third party and it 's still the same case.
|
| 04/24/2019 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
XX/XX/XXXX I called my Caliber Mortgage Company to accept there Loan Modification Trial Payment Plan which my partner and I had applied for. The letter we had received from Caliber Mortgage regarding the Loan Modification three month trial plan said to call to accept the plan if we approved and when we called and said we accepted the plan on XX/XX/XXXX the representative told us we did not need to make any payment until XX/XX/XXXX which was the first of the Trial Payment plan. At this time we were not behind on our mortgage. We would have ordinarily made XXXX and XXXX mortgage payments but she said we didnt have to make a payment until XX/XX/XXXX. In XXXX we got a letter from Caliber Mortgage stating that we were 2 months behind on our mortgage! We were in shock because of what the representative at Caliber Mortgage told us about not making a payment until XX/XX/XXXX!
We called and talked to Caliber Mortgage several times complaining that this representative told us incorrect information during our XX/XX/XXXX conversation about not making a payment until XX/XX/XXXX and they have not been accountable for this incorrect information told to us!! On XX/XX/XXXX we received a letter from XXXX XXXX XXXX Mortgage stating that the servicing of our mortgage loan was transferred from Caliber Home Loans to new a servicer called XXXX XXXX XXXX XXXX. I have called and talked to XXXX XXXX XXXX to see if they will put the two months we are behind at the end of the Loan after we are done with the three month Trial Plan which we only have one more month left to pay on the three month trial plan. The representatives I have talked to can not tell me if they will do this! I would like to know if Caliber Home Loans has a recording of our conversation with their representative XX/XX/XXXX telling us that we did not have to make a payment until XX/XX/XXXX. Caliber Home Loans representatives in the Modification Department tell me they dont know how far back the recordings are saved. I was told this today XX/XX/XXXX. This has adversely affected my credit score and caused us much duress! We have been current on our payments the past five years having just completed a Chapter XXXX Bankruptcy in XX/XX/XXXX and we were looking forward to improving our credit and now are devastated by the misinformation the Caliber Home Loan representative gave us on XX/XX/XXXX making us two months behind. Can Caliber Home Loans be held accountable for this misinformation?
|
| 02/09/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I fell behind on my mortgage because I had lost my job. I am employed again now. I am confident that I can make the payments on my mortgage even if my servicer rolls the past due amount into the loan and uses the current market interest rate to determine my new payment. I was in the process of a modification with XXXX XXXX when they sold my loan to Caliber Home Loans on XXXX XXXX, 2015. XXXX XXXX explained that they had not yet made a decision on my modification when they sold the loan. They said that they would forward the modification application to Caliber Home Loans. I called Caliber immediately on XX/XX/XXXX but they said that they did not have my loan yet. I called a week later and they said that I should resubmit my application. I sent in all of the documents required on XXXX/XXXX/15. I received a letter a few days later dated XXXX/XXXX/15 that they had received all of the requested documents and that my application was considered complete and that I would receive a decision within 30 days ; I did not. I can not get a straight answer from Caliber Home Loans. Sometimes when I call in they say that my application is being reviewed, sometimes they say that it was mistakenly denied and that they would re-review it and get back to me. Last week I received a " notice of intent '' to foreclose even though the XXXX/XXXX/15 letter said that they would not start foreclosure proceedings. Now I receive hang up phone calls from Caliber Home Loans every few days. I have requested to talk to a supervisor on several occasions and they inform that a supervisor will have to call me back and guarantee the return call with 24 hours ; the return call never comes. I would like to file a complaint against XXXX XXXX for not sending me a timely decision on my modification request. I would like to file a complaint against Caliber Home Loans for not sending me a timely decision on my modification request, for pursuing foreclosure while I was under review for a modification. It seems that Caliber wants to foreclose on my house and keep me in the dark to prevent me from taking action against them until it is too late. I would like to modify my mortgage or work out a repayment plan or figure out a way to stay in my house. Unless someone else gets involved I am concerned that they will continue to confuse the situation until they can take my house. I want to stay in my home. I am confident that I can make the payments if we can modify my loan.
|
| 01/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I reported this problem to the company on XX/XX/XXXX and again in this email on XX/XX/XXXX : Hello, I had a very troubling conversation with one of your employees that I have outlined below. He was trying to steal thousands of dollars from me and my wife. I assume that you can review the recording. What are your thoughts?
Thank you -- -- -- -- -- Forwarded message -- -- -- -- - Date : Thu, XX/XX/XXXX at XXXX XXXX Subject : Re : Caliber Home Loans Refinance To : XXXX XXXX XXXX Ms., Thanks for your email. I believe the conversation that I had with your associate and the information I received may fall under the umbrella of predatory lending. At very least it is definitely unscrupulous and immoral. I suppose I should turn this over to the Attorney General or some other governing body to see what they think.
Your representative quoted me 3.25 %, which is the going rate, plus {$1500.00} in closing costs, also about the going rate. He also wanted to sneak in an astonishing 3.5 discount points, hoping perhaps that I would not notice or understand. He assured me it was fine because it could come out of the equity and not cash I had to bring to the closing. I asked him for the resulting APR and he said he could not provide it. He went on to say he could potentially do better on the points but it would not be reflected in the paperwork. He tried to sell me a loan at an unbelievably high price that would have been far worse for me than what I already have. He was evasive and dishonest.
My local bank confirmed a refi should be at 3.25 % with closing costs between $ XXXX {$2000.00} with 0 points.
I could not be more disappointed in Caliber Home Loans.
Is there a governing body or supervisor that you can please refer me to?
On XX/XX/XXXX the company responded : The Customer Resolution Department at Caliber Home Loans , Inc. ( Caliber ) received your recent inquiry regarding a loan application in which you feel may fall under the umbrella of predatory lending. Caliber is dedicated to ensuring that our customers have a positive experience throughout the loan process.
On XXXX I replied : Thank you for your email. Have you completed your review and research?
The company did not reply The company sent me follow up applications documents dated for XX/XX/XXXX. That might be the date that I first spoke to them about the refinance. The loan documents did include the 3.5 discount points that were proposed during the call.
|
| 12/11/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I sold my home yesterday. I had been trying to reach Caliber Home Loans to ask about what payments are due before selling a home to avoid a credit ding. Their customer service line does not reach a person. The only options are 1. Make a payment through automated system 2. Listen to automated info 3. Call consumer advocate.
When you follow the prompt for consumer advocacy, the message gives a new phone number to call. When you call that number, you're taken back through the same automated system.
I tried calling multiple local branches that do not answer the phone.
I sent an email through the customer portal and was given an automatic response to call the same customer advocate number. I filled out their promise for payment form and selected pending sale and received an error message.
Because of all this, I missed one payment due to lack of info from Caliber, knowing I was selling my home.
When we arrived at closing yesterday, the payoff provided from Caliber looked incorrect. It shows we owe Caliber money in escrow, which didn't sound right because the county is sending me a refund for overpayment of taxes. I'm happy to pay if accurate, but need proof that this amount is owed Caliber. I tried calling again, and finally reached someone at the branch who transferred me to a customer service rep. Customer service transferred me to the property tax department, who said they don't handle new payoff paperwork. They also said that they paid over {$5000.00} from my escrow for taxes, which would still be an overpayment by about {$1200.00}, as I just received my tax statement from the county yesterday. I was told customer service would have to do the new/corrected payoff sheet. I then got transferred back to the same customer service number that is impossible to reach a live person.
I have tried multiple numbers, including branches/sales offices today to reach someone and have gotten mostly no answer. I finally reached one person at a branch who transferred me to a live rep who introduced herself on the phone and immediately put me on hold for 10 minutes before hanging up. I hadn't had a chance to say a word.
Our title company is holding funds for us until this is worked out, but if I am not able to resolve Caliber 's failures by Monday, I will have a second missed payment rather than a paid off mortgage. I'm furious that I'm doing everything right and the mortgage company 's incompetence is ruining my credit.
|
| 03/06/2018 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
On XX/XX/XXXX I was contacted by XXXX XXXX ( NMLS # XXXX, State License # XXXX ) of Caliber Home Loans of XXXX Georgia to inquire about loan products offered by his company. On XX/XX/XXXX, after gathering all necessary information, I was prequalified for a loan to buy a home ( however I did not receive my prequalification letter until XX/XX/XXXX ). Between XX/XX/XXXX through the end of XX/XX/XXXX, XXXX XXXX and I remained in contact as I inquired about and was updated on the status of my loan application. On many occasions I was assured by XXXX XXXX that the progression of my application was positive. Relying upon this information I retained a realtor and began the process of looking for a home. On XX/XX/XXXX XXXX XXXX emailed me to inquire about my search for a home and to get my realtors information. By mid XXXX I had found a home I desired to put an offer on. I ( through my realtor ) reached out to XXXX XXXX to inform him and to inquire about the status of my loan. I was assured that with his " decades '' of experience my loan would close quickly. At no time prior to or during this process was I informed or advised of any adverse issues related to my loan. On XX/XX/XXXX my realtor emailed XXXX XXXX to inform him of our intent to enter into contract on a desired property. Still, there was no word from XXXX XXXX on any pending or potential adverse action related to my loan. On XX/XX/XXXX I entered into contract to buy a property. On XX/XX/XXXX, a copy of the executed contract was emailed to XXXX XXXX by my realtor. On XX/XX/XXXX XXXX XXXX emailed me of possible loan structuring options available to me. On XX/XX/XXXX during a phone conversation I requested the boiler plate terms and conditions for loan products offered by XXXX XXXX 's company, along with the terms of my specific loan, in writing. At that point XXXX XXXX became aggressive and combative on the phone, but assured me he would have the information I requested emailed to me the following day. On XX/XX/XXXX XXXX XXXX called to inform me my loan had been denied. When I inquired as to why, he stated reasons that could have been ascertained during our initial conversations in XXXX, XXXX. He then failed to provide me with an adverse action letter, only doing so after I threatened to file a claim with this bureau and the XXXX. XXXX XXXX 's gross negligence caused me the loss of my earnest money in particular, and my faith in the lending industry in general.
|
| 02/09/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My mortgage was transferred from XXXX to Caliber Home Loans. The first payment due on my account was XX/XX/2016. I made three payments via online banking ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) prior to the transfer. The second payment was applied as a principal reduction so it did not advance my due date according to the statement I received which was fine since we intend to make XXXX payments a month. The third payment to XXXX sent on XX/XX/XXXX was returned to me by my bank and credited back to my bank account on XX/XX/XXXX because their was no active account for the money to be applied to. I " resent '' the third payment to the new company, Caliber on XX/XX/XXXX and have continued to make payments to them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX. Problem # 1 ... According to my statement, the payment sent XX/XX/XXXX was applied to my account but reversed and entered into unapplied funds, then there was an escrow disbursement for it. I called Caliber to question it and was told they received an invoice from XXXX that they were owed a payment, so Caliber sent them a check. So, my account received no credit for that payment. Problem # 2 ... The balance on my mortgage with XXXX at the time of the transfer was a certain amount, but when I received my first statement with the new company the balance increased by {$460.00}. The due date on the account also varied by XXXX month. With XXXX I was due XX/XX/XXXX, but Caliber was showing me due XX/XX/XXXX. The due date is not a concern to me since we are paid ahead, but I believe this is part of the problem. Problem # 3 ... I 've been in contact with Caliber to discuss my account and the issues with the unapplied payment and balance difference. I 've sent them a bank statement that included all my {$1100.00} payments made for my mortgage account that was requested. I 've requested from Caliber a life of loan history three times. They said it would include my pay history with Caliber & XXXX. I 've requested my account be credited for the unapplied payment, the balance difference from the transfer and a credit for interest I 've overpaid since they reversed my payment. I have n't received the complete payment history. I have n't been getting call backs nor have I seen a credit on my account. I do not know what I can do now to get this resolved and would appreciate any assistance you can provide.
|
| 02/22/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I am contesting the amount owed on our home loan. in XXXX XXXX we had our loan with XXXX. They offered us a modification on the loan to which we accepted. Signed the documents had them notarized and sent back. We began making the modified payments and thought everything was ok. However 5 months later we received a letter from XXXX stating that they denied our modification due to lack of notary seal. They sent back the original document to prove it was n't done. However the document was notarized and signed by the notary before it was sent back to them when the paperwork was due. It was not an ink stamp and was a raised seal. They then had us start all over in the process and refused to enact the already given modification. This went on for years. in XXXX of XXXX we received an intent to foreclose from XXXX and filed for chapter XXXX bankruptcy.They filed a claim stating the amount per month was {$750.00} and the arrears on the loan was $ {$25000.00}. The payments made into the loan during that time never showed either the arrear payments nor the actual monthly payment of {$750.00}. The payments were always a lot larger and the balance never came down. Payments during this tine and before the bankruptcy were credited then removed years later with no reason as to why and no notification that they were removing the payments. For example : The payment made on XXXX/XXXX/XXXX was reversed on XXXX/XXXX/XXXX never credited back and was reversed for a second time on XXXX/XXXX/XXXX. The original payment for the XXXX/XXXX/XXXX payment was n't credited to the account until XXXX. This has shown up on the ledger more than once. No checks bounced no payments returned to us and the balance kept going up up and away. The loan has been transferred twice now since it was with XXXX and we have been attempting to make heads or tails of it since then. When told by our current servicer ( Caliber home loans ) that they didnt have any information on the loan we needed to contact the original servicer we thought something just wasnt right as all of that information should have been sent when the loan was transferred. Caliber had misinformation on the loan as well. They stated the that loan was an adjustable rate mortgage when it is n't. We signed for a fixed rate mortgage. This has been a disaster that is now ending again in foreclosure when it should n't as we are in the beginning stages of a modification with our current servicer.
|
| 01/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I received a notice from Caliber on XX/XX/XXXX that my Escrow Account had gone negative and that my new monthly mortgage payment would be increased from {$2500.00} to {$4700.00} to cover the deficit. The new mortgage amount would be due in XXXX.
I immediately called Caliber and learned that Caliber had erroneously paid the property taxes for my parcel and for the parcel owned by my neighbor, for which Caliber has not financial interest in XXXX.
I spoke to Caliber Customer Service and their Tax Department 12 times between XXXX XXXX. I was assured that the issue would be resolved before my XXXX payment was due. This did not occur. I was forced to pay {$4700.00} in XXXX to avoid a late fee or blemish on my credit. I also wrote to Caliber Customer Service on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in attempt to resolve this issue.
I learned on XX/XX/XXXX in a conversation with the Caliber Tax Department that Caliber had received a refund for {$11000.00} on XX/XX/XXXX, and that the funds would be applied to my Escrow Account. This did not occur. I received notice that my XXXX mortgage payment would still be {$4700.00}. I sent a letter to Caliber 's Customer Advocacy and Response Department on XX/XX/XXXX asking them to resolve this issue, waive any late fees and re-estimate my mortgage payment. This did not occur. I am now facing a XXXX mortgage payment for {$4700.00} to avoid a blemish on my credit.
On XX/XX/XXXX, I called Caliber 's Tax Dept and Customer Service and learned that the refund of {$11000.00} had been deposited in Caliber 's Corporate Advance Account rather than my Escrow Account. The Customer Service Rep asked that it be deposited in my Escrow and suggested that I call back in 5 days.
On XX/XX/XXXX, I called Customer Service and was told that the Esrow Account was still negative. She researched the issue and found that the {$11000.00} was still in Caliber 's Corporate Advance Account. She tried to initiate a reversal, but the funds have still not been deposited.
I am now concerned that my credit rating will be impacted by Caliber 's error. I have asked that the {$11000.00} be deposited in my Escrow, that my mortgage payment be re-calculated and that I receive a refund of the {$2200.00} that I was forced to pay in XXXX with interest. I may have to pay this amount again in XXXX to avoid a Credit Bureau Reporting.
It has been extremely frustrating to bear the cost of Caliber 's error.
|
| 04/20/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I issued a complaint against XXXX XXXX about the title transfer of my mortgage and not being informed of a foreclosure. XXXX has contacted me and stated they can remove the foreclosure from my records with proof of improper title transfer and supporting court cases. These have been sent to XXXX. My loan was sold from XXXX to Caliber Home Loans when they never legally had the title to actually transfer. This is to inform Caliber Home Loans of the incorrect foreclosure they have on record on my name.
Here is what was relayed to XXXX Bank as to the issue : The title of my loan was not transferred from XXXX XXXX to XXXX until XXXX XXXX, XXXX, which is attached to this fax from XXXX County Clerk. I also have all other amendments that were filed with the court, NOT INCLUDING foreclosure proceedings. This is when foreclosure proceedings supposedly began against me but I was never given written notice of this.
According to multiple court cases, the title transfer was incorrectly done and should not have been transferred in XXXX when foreclosure proceedings began without my knowledge. XXXX XXXX did not have proper rights to the title of my loan. It was not assigned to XXXX XXXX according to the trust agreement. This gives plausible inference that the assignment was improper. I am not looking to get my home back or for any financial reimbursement. I just want to get the foreclosure removed from my name.
After much research, there are a tremendous amount of court cases that state this exact thing happened to them and were rewarded for their damages. You could also refer to a website called XXXX, which directly addresses issues with XXXX XXXX and XXXX deceiving homeowners during the time I was foreclosed upon.
Four years after pledging to clean up wide-ranging foreclosure abuses, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX other banks still are n't complying with consent orders imposed by a federal regulator, reported the XXXX XXXX XXXX ( XXXX XXXX, XXXX ). As a result, the Office of the Comptroller of the Currency has restricted mortgage servicing operations at XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.
Banking regulators obtained the consent orders in XXXX in response to scandals involving the robo-signing of foreclosure documents by token officials without knowledge of the facts, lost paperwork, illegal fees, and other legal shortcuts that became common after the mortgage meltdown.
|
| 11/21/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
Older American |
|
Please note this is a Followup.
You have the originals complaints and answers to litigation and fraud elements.
XXXX XXXX XXXX. Trustee responded that they are not involved when they sued me.
XXXX XXXX XXXX XXXXXXXX and Caliber Home Loans, Inc. sent repetitive letters from XXXX to XXXX.
They are all responsible for Real Rstate Fraud, confusion regarding service and ownership service notifications. Those notices were not reflected on the Instruments from XXXX recorded at property clerk. Another name XXXX XXXX XXXX XXXX, never sent the page for XXXX XXXX that are required for borrower can review and make accurate information. Instead XXXX XXXX XXXX and Caliber Home Loans , Inc said the never had a contract with the Original Contract ( XXXX XXXX XXXX XXXX ). From XXXX through XXXX XXXX when XXXX XXXX XXXX and Caliber Home Loans Inc did an illegal transfer because there was never a transfer/assign from XXXX XXXX to XXXX XXXX c/o Caliber as new Owners. XXXX recorded in XXXX violates statutes and intentional commits Real Estate Fraud.
The XXXX instrument is/was illegal and any instruments using that document is intentional fraud, and harassment to Original Contract borrower, Fraud to FDCRA which can only be legal if the Petitioners can verify pet statues they owned my contract. They can not do so and transferrd illegally in XXXX XXXX to XXXX XXXX XXXX. to deflect fraudulent transfer and assignment.
All who sued me in XXXX XXXX and before have not been able to prove ownership for over 4 years and made the transfer fraudently to XXXX XXXX XXXX which include their partners in real estate fraud.
Two class action suits against them, because letters automatically sent to " new Caliber borrower from transfer '' intentional done in XXXX ; violations of illegal statutes.
Caliber, XXXX and XXXX XXXX XXXX. In XXXX was found guilty of charging XXXX Americans and XXXX higher interest rates was the second litigation intent fraud.
I have an Order to Foreclose on my property was from XXXX XXXX XXXX. and the other Petitioners which has illegal possession of my deed. It was promised my XXXX in XXXX XXXX, XXXX XXXX.
Numerous complaints and litigation toward Petitioners sue to foreclose my house as well as others do not have any legal ownership. My legal homestead property is protected from such illegal and fraudulent group repetitive frauds.
Please retrieve my deed and punitive damages.
XXXX XXXX
|
| 05/02/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
Older American |
|
My husband and I are the sellers in this situation. Our buyers were working with a home loan company since XX/XX/XXXX in order to obtain a VA loan. They are military Veterans who had moved from XXXX to XXXX recently. Neither buyer or seller had realtors so we depended on good communication and a reliable loan consultant. This couple had credit issues and were told at the beginning they needed to pay down some credit cards which they did. They needed to raise their credit score. Then they were told that there was a late payment to a credit card last XXXX XXXX XXXX and they would be required to wait a year from that date before the loan process could proceed. Then they were told that their debt ratio was not acceptable. By this time the sellers were in need of a line of credit letter or pre qualification letter for our seller. The letter of credit is attached and dated XXXX XXXX however it was not emailed to our buyers until late XXXX XXXX XXXX. The seller now is faced with a penalty regarding purchase of their new home because this loan process is moving so slow. They are concerned that this loan is not going to happen. At this point in time I start to text the loan consultant and seem to get some assurance that the loan will close XX/XX/XXXX ( see attachment of texts ). XX/XX/XXXX I text the loan consultant again about closing since we have not heard from anyone and the comment if " Not at all ... speak to your buyer ''. At this point My husband and I decided to visit with the loan consultant to get some answers and when we got to his office we discovered that there were no computers, phones or employees. We finally found an employee who told us that the loan consultant that we were looking for was no longer with this company. He had moved to a new loan company that moved down the hall. According to XXXX 's website they opened this new office XXXX XXXX. My understanding is that it takes at least XXXX weeks for a loan consultant to move from one company to another so this particular agent knew many weeks prior to his move that he would be leaving Caliber. We met with the office manager of XXXX and was told she could not talk to us because we were n't her client but she did acknowledge that she knew the buyers name. The buyers have had to go elsewhere for their loan.
I believe that this agency was unethical and did not put the customer first. I think they forgot that the 'customer comes first ''.
|
| 03/28/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I purchased my home with a government insured FHA loan that is serviced by Caliber Home Loans. My problem is that I was injured and hospitalized for a period of time and missed a lot of work. This caused me to fall behind on my mortgage payment. As soon as I was back to full time I contacted Caliber to try and resolve the matter. They requested that I send in some financial information. I did this, and then did it again, and again and again. Each time I speak with someone different, and each time they give me a different excuse as to why they ca n't review my information. This has happened so many times that it seems intentional. Caliber is denying me access to government mortgage assistance programs that they are required to offer.
I have worked as a XXXX for 16 years and I make a good living. My wife also works part time as a XXXX to help out and we live in our home with our XXXX daughters. We love our neighborhood and our home and want to save it more than anything. This problem began in XX/XX/2016 when I was hospitalized and was out of work. When I got out of the hospital I had to take it easy and my company just had me working part time and doing XXXX. As a result I missed some mortgage payments. A couple of months later I was back to full time employment and I contacted Caliber Home Loans to discuss this matter. They told me to send in my financial information and they would see what they could do. I have never been assigned a specific contact, I have never talked to the same person twice and they have a different excuse every time. I have been doing this for nearly 5 months and have made absolutely NO progress. They still have not even LOOKED at my information and this is beyond frustrating. They are starting to threaten me with foreclosure. This is crazy -- I make a good living and can afford my mortgage payment. I hit a rough patch but am back on my feet. Why are they denying me access to all options for help?? I know that FHA loans have programs to help people in my situation with a modification, or partial claim, forbearance agreement or repayment plan. However Caliber Home Loans has refused to offer any of these options.
I am contacting you to inform you of the actions of my servicer Caliber Home Loans. They are not following guidelines, they are purposely obstructing the process, they are not conducting a review and they have never conducted a review of my financial information
|
| 04/07/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
This loan is in foreclosure, and the homeowner had successfully completed a HAMP Trial Plan with the servicer XXXX, making her 3rd payment on XX/XX/XXXX. The servicer then changed to Caliber. On XX/XX/XXXX we received the permanent HAMP modification, however, while the trial payments were for {$1400.00} per month, the permanent mod payments in the first version of the modification we received were for {$1900.00} per month. We pointed the discrepancy out to Caliber 's attorney on XX/XX/XXXX. Three weeks later we received the revised modification agreement with the corrected monthly payment, on XX/XX/XXXX. The agreement stated that it was to be returned by XX/XX/XXXX, essentially giving us just one business day, which was the Friday before XXXX. XXXX was out of town for the holidays and we sought clarification regarding an ambiguous instruction on the modification, for which we received clarification on XX/XX/XXXX. We sent the signed, notarized agreement out that same day ( XX/XX/XXXX ) and Caliber acknowledged receipt the next day. Nearly four weeks later, on XX/XX/XXXX, we were notified that the date was missing on the signature page of the agreement, and that we should re-sign and re-send. Four business days later, on XX/XX/XXXX we sought clarification as to where to send the corrected modification. Caliber 's attorney replied that same day and the corrected modification was sent out the next day. Caliber acknowledged receipt of the corrected modification on XX/XX/XXXX, just four days after Caliber 's attorneys provided clarification as to where to send it. On XX/XX/XXXX, we were informed by email from Caliber 's attorney that the modification was cancelled because the homeowner " failed to execute and return the agreement ''. Caliber 's attorneys also stated that HAMP would no longer be available to the homeowner We believe that timeline speaks for itself. The initial delay was primarily caused by Caliber incorrectly calculating the initial final modification, which they then had to revise. Subsequently, it took Caliber nearly a month to inform us of the missing date and the need to re-execute, which we did promptly. Punishing the borrower for this delay by revoking the HAMP modification and taking the position that it is no longer available is completely unfair. Please help us with this matter, the borrower is terrified that she is going to lose her home.
Thank you for your time.
|
| 05/04/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
My mortgage is in default. The last payment I made was XXXX XXXX . I was unemployed from XXXX XXXX through XXXX XXXX . While unemployed I tried to apply for an unemployment/underemployed forbearance under Makin g Homes Affordable. My mortgage company would not take the application because I had no income. When I got a job in XXXX I applied for a modification although my income was only about {$38000.00} per year. I was turned down again. I have since returned to work in XXXX and back to making a regular salary. I reapplied for the modification and was approved on XXXX XXXX , XXXX . I was told that all foreclosure proceeding where on hold. I called the company twice. First to ask them for the 40 years loan product to allow me to catch up on all of my financial issues not just the mortgage. I was told once before that this was a product they offered but I had to apply for a modification. When I received the offer on the modification and asked for the 40 year product, I was told they do n't have that. I would have to accept the modification, go through the trial and then ask about a 40 year product. I called back the second time to let them know that I would accept the modification. I signed the papers and returned them to accept the modification. Today, I get home and the Sheriff 's Sale Notice Foreclosure was posted on my door. My home is up for sale by Virtue of a Writ of Execution issued out of the XXXX XXXX XXXX XXXX XXXX I called my mortgage company for them to help me understand what was happening because the foreclosure proceedings were supposed to stop once they received a complete loan modification application. The representative spoke with management and came back to tell me that this was in case I defaulted on the offer. She said though there was an agreement, my first payment was not due until XXXX XXXX and that they have not received any money from me yet and they needed to have this set up in case I defaulted. I went back and forth with the agent letting her know that they were dual tracking my account and that it was against the law. I let her know that the sale date for my home was scheduled before my first trial payment. She said they would push the sale date back but they were keeping the sale date for their protection. I let her know again it was against the law and she said it was n't and we were at a stand still.
|
| 02/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
On XXXX, XXXX, we refinanced our home mortgage. Our old mortgage was with Caliber Home Loans. The main reason we left Caliber Homes was due to their handling of our Escrow account and their poor customer service. In XX/XX/XXXX, they informed us that our payment would be increased due to a shortage in our escrow account. When we tried contacting them, we were on hold for almost an hour. I requested a callback on the phone and through their website. I never received a callback. So I called back, and held for another 30 minutes. When I finally spoke with someone, they told me they would request a new escrow analysis. After several weeks, I received a new statement amount that was to go into effect XX/XX/XXXX. I paid my old normal XX/XX/XXXX payment on time based on our statement dated XXXX assuming that the new amount would be for XXXX. On XX/XX/XXXX, I received a statement saying that I was being charged a late fee and that I was in default. I immediately called and was told I was short in my XXXX payment by {$29.00} because of the new escrow amount. I explained that I never received any notification that the new payment was affective for XXXX. They forgave the late fee and applied my payment. I then received a revised statement dated XX/XX/XXXX for XX/XX/XXXX payment for the increased amount. That statement shows my escrow account balance of {$1800.00}. All payments from the account occur in XXXX. When we refinanced with XXXX XXXX, I stated that I thought the payoff amount was incorrect due to them not applying my XXXX payment. I was told by my attorney that they would reconcile the amount and send me any difference in the payoff amount. I received a check dated XX/XX/XXXX for {$1300.00} with no explanation. I called to ask for a reconciliation of my account. The customer representative said she could not get and explanation for the shortage. I asked to speak with a supervisor and was informed that someone would contact me but not until XX/XX/XXXX because all supervisors were on other calls. I called again this am ( waiting 15 min on hold ) and was told someone would be in touch within 48hrs. I am requesting a reconciliation of the payoff amount and the escrow amount that is {$500.00} short of the check amount. I was told I need to wait for someone to contact me because the customer representative could not find out why there was a transfer of this amount out of my escrow account.
|
| 09/29/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have lived in XXXX, Alaska all of my live and love our state as it offers an ideal life for my family. We vote, pay our taxes, strive to be solid citizens and are bring up our children with good values. However, we have run across a problem and need some help from a person in your position to get us through the storm. We fell behind on our mortgage payments at the beginning of this year and we have not been able to deal with our mortgage servicer directly. Caliber Home Loans tried selling our home early this month, but we were able to stop the sale and we are afraid they will ultimately take our home away if we can not get them to speak with us. Its not entirely their fault as we hired an attorney to help us negotiate our delinquency, but he has done nothing and Caliber said they can only speak to my attorney. I fired him, but Caliber still wont open any discussion that would allow me to keep my home.
They have strongly indicated that they will help me with home retention options, if they can speak to me. I am asking for your offices assistance to help me communicate with them to get the ball rolling to save my home from foreclosure. I do not need you to negotiate or get involved in any way except to open the door for me to speak with them.
I purchased my home in 2008 and everything was going along fine. My business was doing well and the two rental properties I own were bringing in positive cash flow each month. However, the last two years have been a nightmare as I unfortunately had two very bad tenants. They both stopped paying rent and separately destroyed the homes they rented from me. One tenant brought in over ten homeless people and it was a legal and financial nightmare that cost me tens of thousands of dollars in direct costs, lost wages from all the time I had to deal with the issues and lost rental income. I finally ran out of money getting them out of the home and finishing off the repairs to bring the properties back to a rentable state. This caused me to fall behind on my mortgage payments. I truly did not have an option as I need the rental income to provide for my family. I thought I was doing the right thing when I was contacted by a law firm who promised they could help to get my loan modified. I paid them {$4000.00} and they apparently did nothing. I know I am deep in foreclosure, but I am certain something can be done to save my home for my children.
|
| 09/19/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
So we have a big issue with our escrow for this year that we need assistance with, I 'm not sure who to turn to on this. We got our annual escrow disclosure statement a couple months ago and our flood insurance had two separate charges, one for XXXX and another for XXXX. Our original flood insurance was {$420.00} annually. We called and spoke to both caliber rep and a rep from our insurance company, coming to the conclusion that they submitted our new flood insurance at {$7100.00} and the {$9200.00} was a goof up for some reason or another on their part. You see no one had let us know that they were going to increase our flood by 2086 % ..they also did n't send us paperwork about this nor did we sign anything that we would accept any of these new policies that they submitted into place in error and without our consent. So after much arguing with the insurance company and them having us pay to get another elevation certificate done they were able to " grandfather '' us in for an new annual flood rate of {$1400.00} and sent 2 refund checks of {$2700.00} and {$5300.00} XXXX to make up the difference. If you do the math this is obviously not going to cover the {$9200.00} and {$7100.00} they subtracted from our escrow account making it be in the thousands in the negative.-XXXX $ ++. So we then deposited total of {$6600.00} into escrow to try to pull us out of the negative. Which our XXXX deposit would pay everything we even owe for escrow regarding our taxes, pmi and insurances. They have adjusted escrow 3 times and still have n't taken care of the XXXX charge. Also on the updated escrow disclosure they have another XXXX charge for the new policy, however the XXXX is still in there with our added deposit to make up the difference. This is making our " new '' mortgage payments almost a thousand dollars more than our old payment. Also our taxes are less because we have homestead. Everyone is dragging their heels with helping us. We ca n't afford to keep paying for this mistake and afraid will have to sell our house or get foreclosed on due to this error. I have XXXX children to take care of and one of them has serious medical issues as she has a XXXX XXXX and XXXX XXXX that is already stressful enough to deal with without having this extra burden on me. If you could please look into this matter as I feel like what happened was unlawful and not within the standards of this industry.
|
| 08/19/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
In XX/XX/XXXX, Caliber Home Loans ( Caliber ) began servicing my loan on a new home purchase that I closed on in XX/XX/XXXX.
In XX/XX/XXXX, my mortgage statement increased 40 % from {$1900.00} to {$2800.00}. I contacted Caliber to find out why this happened. I was told it was because of a new escrow analysis and that my taxes and insurance had nearly doubled. My taxes and insurance did not double. My taxes actually went down due to a homestead exemption, and my insurance remained the same.
I later found out that the initial escrow analysis was done on a prorated basis due to me purchasing the house mid-year. Another contributing factor was the house being a new build, so property taxes were originally just assessed on land value and not the land value plus improvements.
I work in the housing industry and after doing some inquiring, I discovered that the original escrow analysis was done incorrectly. Caliber should have taken into account that my taxes would include improvements into XXXX, and they should have estimated what my insurance and taxes would be for a full year when they began servicing my loan in XX/XX/XXXX.
They did not. Instead, they expected me to make-up an escrow shortage they created by increasing my mortgage payment 40 % for the duration of XXXX.
I've talked to representatives from Caliber on four occasions from XXXX to XX/XX/XXXX, and I also submitted an inquiry electronically via their website. They prorated my escrow shortage over 60 months, but I have told them that this isn't an acceptable solution.
I've asked to speak with someone from their escrow department, but I was denied that request. I've asked to speak with someone more senior in their organization, and I was told that someone would call me. That call never came. They responded to my inquiry via their website and stated that my issue had been resolved. It hasn't been.
At this point, my current mortgage statement isn't an accurate reflection of what I should have been paying all along had the escrow analysis been done correctly in the first place, and it remains more than I've budgeted for. Separately, I don't know what's going to happen when my property taxes will be due in XXXX, and my escrow account won't have enough to pay for them.
I feel like I've exhausted my options with Caliber and reluctantly am forced to compel them to resolve this through this complaint process.
|
| 07/07/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
I applied for a home loan with Caliber Home Loans ( switching from a different lender ) because their loan officer advised that she would offer a lower interest rate and be able to close on the home within 20 days of application.
At this time, prior to the lender switch, I advised the lender ( Caliber Home Loans ) I would have to pre-occupy the home prior to closing due to my lease ending and the assured me and my realtor closing in 20 days would not be an issue.
The loan officer ( although provided all documentations same day as application ) was not able to close within the time frame provided prior to switching lenders.
The loan officer XXXX XXXX ignored phone calls, emails, and text messages from myself, my realtor, and the seller 's agent.
After 26 days passed, I reached out to the lender 's direct manager XXXX XXXX who promised to assist me and assured me closing on the house would not be a problem. With no update from him in three days, I reached out for additional information. I reached out and he then had his boss XXXX XXXX call me to let me know they would not be moving forward with my loan. At this time, I explained the entire situation with XXXX.
1. I had a loan approved, still valid and ready to close with another lender that I was advised to cancel because Caliber Home Loans wanted to take over my loan.
2. The promises made were not kept by any team member in this company.
3. I paid moving fees along with a {$2500.00} deposit to move into the home prior to closing because I was promised we would be able to close on the home in 20 days.
4. In addition to the deposit, I paid {$1000.00} for 20 days to live there and an additional {$600.00} for the day overs that we did not close.
XXXX XXXX advised me to email him all expenses which I did and he would update me by end of day on XX/XX/2020 on how the funds would be paid out to me.
On XX/XX/2020 My realtor reached out to XXXX by phone after he ignored multiple of my phone calls and he ignored her call. She then reached out on her personal phone and he answered. Once she introduced herself he disconnected the call.
On XX/XX/2020 I had not heard from XXXX so I reached out to his boss XXXX XXXX. XXXX advised I send him an email and include XXXX XXXX and he would make sure that I received my response.
It is now XX/XX/2020 and I still have not received any response to my calls, texts, or emails.
|
| 01/31/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
Older American |
|
I completed a Loan Modification in XXXX XXXX that was due back on XXXX/XXXX/XXXX. I did not receive the documents in time so that they would be received at Caliber by XXXX/XXXX/XXXX so I called and spoke to XXXX and he advised to send the documents back and they would still accept them. On XXXX/XXXX/XXXX I sent the executed documents along with the first modified payment in the amount of {$760.00}. I called on XXXX/XXXX/XXXX to make my XXXX XXXX payment and was told by XXXX that my property was in Foreclosure and the payment could not be accepted. The XXXX payment was accepted and posted to my loan but they claimed to never have received the Modification documents which was sent back with the payment that was posted. I also have the tracking information showing that the documents were received and signed for by XXXX XXXX on XXXX/XXXX/XXXX at XXXX.
On XXXX/XXXX/XXXX, I received a letter from the Foreclosure attorneys advising that there was a sale date scheduled for XXXX/XXXX/XXXX and I have been calling Caliber everyday since and no one will help me to reach a resolution. Finally, I was told that they were going to send out another set of documents and that they would need to be received back Thursday, XXXX/XXXX/XXXX. I never received any documents and I continued to call and finally Caliber agreed to email the documents to me so I could print them off and return them. I received the documents Thursday at XXXX, and overnighted the documents back to Caliber ( at my expense ). I have confirmation that the documents were received at Caliber on XXXX/XXXX/XXXX at XXXX and signed for by XXXX XXXX XXXX Again I have been calling several times a day and anyone that I have talked to says nothing has been processed and it was too late to stop the Foreclosure sale. I also contacted the Foreclosure attorneys today and they said that they received a message from Caliber stating the documents were received and in the process of being reviewed but only Caliber can stop the sale for tomorrow which they have not.Throughout this process, I was never contacted and advised that the documents were not received or that I was in Foreclosure. If my loan was already in Foreclosure, how was the payment that I sent in XXXX posted to my loan and yet the Foreclosure continued? Why is Caliber not even trying to correct their mistake when I have proof that the documents and payment was received?
|
| 01/11/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I fell behind on payments due to severe XXXX. Caliber Home Loans ( XXXX ) would call during my work hours despite my requests to call outside of my work hours since I could not take any calls during my work hours. 6 months later I lost my job without cause but is believed to be due to an injury. CHL and I got in contact and I submitted a Mortgage Assistance Application as instructed. XX/XX/XXXX CHL offered a 2 month forbearance plan of reduced payments to be accepted in writing or by submitting 1st payment by XX/XX/XXXX. At this time I did not qualify for a loan modification. XX/XX/XXXX I emailed the department who was overseeing my case with CHL to inform of my acceptance of the forbearance plan. 1st payment not due until XX/XX/XXXX however I sent on XX/XX/XXXX, and received XX/XX/XXXX. 1st check was not deposited until XX/XX/XXXX. Per the forbearance agreement written by CHL, acceptance of the agreement would cease forward movement of the foreclosure. XX/XX/XXXX CHL went ahead and moved forward with the foreclosure and filed on public record with my county, despite receiving notification twice of acceptance, before the deadline, and they had also cashed my check but applied it to the normal payments rather than the forbearance plan. I was not informed of this by CHL but rather getting bombarded with phone calls, texts, and emails from investors and real estate agents. Notification was not sent to me until weeks later. Postmarked for XX/XX/XXXX, but not received until the first week of XXXX. Additionally, my XXXX case was reassigned as a XXXX claim on XX/XX/XXXX. As a result my income dramatically increased. My email to CHL on XX/XX/XXXX included notification of the increase. Phone call to CHL rep on XX/XX/XXXX states that they never received my email. CHL stated that I did not qualify for a loan modification due to not enough income at that time. In my email I requested to revise the loss mitigation from forbearance to loan modification since my income had increased. I have reapplied for a loan modification and have yet to hear back from CHL. Along with a new application I also requested an explanation as to why CHL proceeded with the foreclosure violating the contract that they created, ahead of the deadline, and cashed my check for the first payment of the forbearance plan. By filing with my county, CHL has dramatically reduced my options to stay in my home.
|
| 08/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
We hold our current FHA mortgage with Caliber Home Loans. We have paid on time since the inception of our loan XX/XX/XXXX.
We have typically paid via their online portal, despite issues with the portal where the payment wasn't processing, which happens often. We will then log in the next day and try again.
We have tried multiple times to pay via their automated phone system through XXXX XXXX which for some reason can not process our payments, not due to lack of funds. Just an error with their processor.
On Friday, XX/XX/XXXX, we made an online payment for the due balance for XXXX. We received no error messages, and we received confirmation of their receipt of payment through a secure message on their website. I am attaching this for your review. Also of note, this is a shorter month with 29 days.
We were notified a few weeks later through our XXXX apps, that the payment was marked as 30 days late.
At this time, we called Caliber Home Loans to dispute the late payment and we were told that we should have paid via the phone system for it to post same day. We told them that their phone system wouldn't authorize our debit card or ACH check as it didn't in XXXX, XXXX when we tried to use the system while travelling outside the country. Therefore, our previous experiences with the phone system lead us to always pay online.
They said that since we paid online, and before 30 days, it did not matter because the payment posted to their system XX/XX/XXXX. Caliber stated that even though they have record of our payment on the XXXX of XXXX, they will not update the credit reports to show an on-time payment.
At this time, we filed with all 3 credit bureaus a dispute of the reported late payment by Caliber, and on XX/XX/XXXX XXXX investigated and deleted the late payment from our credit files.
Now we are trying to refinance our home to save money during the pandemic, and we are unable to qualify solely because of this one reported late payment that was actually not 30 days late.
We have never been 30 days late on any mortgage.
Please help us to ensure that we are able to hold Caliber to the date we paid the loan and not when it posted for them ; which could be an arbitrary amount of time.
Attached : payment confirmation on the XXXX of XXXX, XXXX, Confirmation of increased credit score when XXXX removed the 30 day late payment. Letter to credit bureaus.
|
| 10/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My current lender Caliber Home Loan XXXX XXXX XXXX XXXX, OH XXXX Loan number : XXXX Caliber Is refusing to return to my escrow account {$1200.00} amount that as per their Home owners Insurance Department was send to my previous Home owner insurance company XXXX XXXX XXXX XXXX XXXX of North Carolina XXXX XXXX XXXX, XXXX, XXXX, XXXX.
On XX/XX/XXXX ti cover my XX/XX/XXXX to XXXX XXXX Home owner Insurance.
Never receive de payment and my home owner insurance got cancel on XX/XX/XXXX because they never receive a payment from Caliber.
Caliber on a letter address XX/XX/XXXX to me state that since XX/XX/XXXX I did not have XXXX because I did not pay.
This payment as per never XXXX was never received .On XX/XX/XXXX was the first time for the past 5 months that Caliber called XXXX to see why this policy was cancel.
As per Caliber they used a wrong address to send the payment.
On XX/XX/XXXX I my self call a different insurance travelers to insure my home, because my previous insurance will not renew my previous policy because 5 months already pass.
For the past 45 days I repeadly call Caliber Escrow Department and Home owner Insurances department to get the {$1200.00} back in to my escrow with no success, nobody really have a resolution, false promise to be resolved in 1 week or " We will call you to follow up with you " nothing had happen except that they used the escrow money in my escrow to pay my property taxes to pay for my new Travelers XXXX {$1400.00} and these create a deficit that increase my monthly payment from {$1700.00} to {$1800.00} on XXXXMy new XXXX increase XXXX XXXX yearly and leave me a bad record with Occidental XXXX because they have me as a bad payer.
Multiples letters staying that I don't have insurance, That I have insurance or that I will have to pay {$690.00} for the months with out insurance.Caliber poor costumer service and no answers or resolution is the reason why I am complaing.
I feel this is a miss used of my escrow account and a abused of on low income costustumer because they never keep track that the insurance payment Check never was cash if they really send this to the wrong location.Also if the check never was cash why I not getting credit that amount back to my escrow account instead they want me to paying they back .This company is a scaming
|
| 01/16/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I placed an offer on a home for sale titled to XXXX Bank. Included with my offer was a {$2000.00} escrow check and a pre-qualification letter from my mortgage broker. My offer was countered, we countered back and during that time multiple offers were received. We were informed best offers were to be submitted to the listing agent by XXXX on XXXX/XXXX/2016. At approx. XXXX on XXXX/XXXX/2016 we were informed that, " All prospective buyers to obtain a XXXX XXXX Loans Pre Qualifiction letter prior to accepting an offer. Please contact XXXX Loan Consultant XXXX XXXX, XXXX # XXXX XXXXXXXXXXXX Phone XXXX Purchaser can obtain any financing to purchase home. '' Wait ... red flag!! I already have submitted a pre-qualification letter. Why am I required to get have XXXX pull my credit? I do n't want to do business with them and I feel uncomfortable giving my social security number to this random person when I am not interested in obtaining credit with them. Is this the listing agent trying to give her loan company business? So, immediately I call XXXX XXXX twice. I left XXXX message. I contacted my mortgage broker who was able to provide me with a pre-qualification letter {$50000.00} higher than my offer to justify that I was able to afford my offer. My real estate agent was informed at approx. XXXX that an offer had been accepted by XXXX Bank and Trust. Wait .... Red flag?? To have an offer accepted I needed to talk with XXXX XXXX, but he had n't called me back. How could this be? At XXXX XXXX XXXX called me back to get my social security number and run my credit ( I did not inform him that I already knew an offer was accepted ). I explained my hesitancy on releasing my personal information and he understood but informed that he could n't submit the required pre-qualification letter without my social security number. Here an offer was accepted and XXXX XXXX is still trying to obtain my confidential information. In addition, XXXX Bank is requiring this when they already have selected an offer. If I already have a pre-qualification letter how is this legal to require me to obtain another XXXX and if it was a requirement, why was n't that explained in the listing information? It seems that XXXX Bank wanted to accept an offer but wanted to verify that the person could afford it so why ask the rest of everyone to compete? Was this deceptive or discrimination?
|
| 03/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Caliber Home Loans mistakenly reported a late payment to my credit report. On multiple occasions, XXXX representatives, including managers, have verbally committed to removing the erroneous late payment credit reporting, but XXXX has failed to fulfill their commitment. Below is the background.
On XX/XX/XXXX I made my regular mortgage payment of {$5800.00}. This was the amount of my standard monthly payment since XX/XX/XXXX. However, in XX/XX/XXXX, XXXX increased my mortgage payment to {$6200.00} to cover an increased escrow balance that resulted from my home insurance cost increasing. My XXXX payment did cover my actual mortgage payment as was confirmed by multiple XXXX representatives.
Normally I would have logged into my account to see if my mortgage payment had changed, but during this time, XXXX had switched to a new website that used two-factor authentication and for unknown reasons the system would not recognize my phone number and thus I was unable to login and see my statement. I called XXXX many times in XXXX and XXXX to resolve this issue, but no one ever picked up my call even after I waited on the phone for over two hours. In the end, I only found out that the XXXX payment had not covered the full escrow requirement when I received a call from XXXX indicating my mortgage was late. I promptly took care of the additional payment after the call.
In XX/XX/XXXX, I called XXXX and explained the above situation. The representative that assisted me indicated that XXXX was having problems with the new website and that I was having trouble getting phone support because XXXX was short staffed due to the XXXX pandemic. The representative reversed the {$70.00} late fee on XX/XX/XXXX ( which clearly indicates that XXXX took responsibility for the miscommunication that led to wrong payment ). The representative also indicated that the error would be communicated to the credit agencies and the XX/XX/XXXX late payment would be removed. On a second follow-up communication with another representative, the representative also confirmed that the error would be communicated to the credit reporting agencies and the late payment would be removed.
As of XX/XX/XXXX all three credit reporting agencies still show a 30-day late payment. I have communicated in writing to Caliber Home Loans requesting resolution and have never received a reply.
|
| 08/08/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I was sent a letter on Saturday that states that I do not have sufficient insurance on my property and that Caliber Mortgage was obtaining insurance on my behalf. They sent this letter after they increased my monthly mortgage without asking prior questions and without notifying me of any issues.
I called in today and Caliber Mortgage refused to escalate the call today stating that no one above a supervisor is available and no one will in management will return my calls. XXXX # XXXX refused all escalation requests to anyone above her. She did not have a copy of the letter but kept telling me that XXXX did not get additional insurance on my behalf ; but that is exactly what the letter in front of me says. She did not know that my insurance is covered by the HOA and told me I have to send them all of my HOA documents to prove that. When I stated that they have all of the HOA documents as part of the closing documents and process, she could n't answer as to why they did not know that the insurance was included in the HOA dues.
She was obviously being coached because she covered the receiver of the phone and I could hear someone whispering behind her and then she told me ... Your HOA has not updated us with your insurance and they were simply sending me a letter requesting help to get new insurance copies. That is not what the letter states at all. They do n't request any documentation from me within the letter ; it is just telling me that they have taken action by securing insurance because I did not have any.
This is continued examples of Caliber 's constant mis-managing of my account and I 'm sure many others. This and the many other problems I 've had with Caliber show they are incapable of managing mine or any other mortgage. All Caliber needs to do is to email or send a letter to the HOA and a copy of that letter to me requesting an updated Insurance Binder for my town home and one would have already been provided by the HOA management company. The fact that Caliber did not know that my HOA covers my insurance was telling and the fact that Caliber did not reach out to the HOA for it is because they did not identify on the account that the insurance was covered by the HOA.
I expect all charges to be reversed and my mortgage amount lowered. I want my loan sold to any other lender would be better than Caliber.
XXXX XXXX XXXX
|
| 09/09/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American |
|
I have an FHA mortgage originated XX/XX/XXXX. The original mortgage was with XXXX XXXX. It was acquired by Caliber Home Loans less than a year later. The terms allow the MIP to be cancelled once the LTV drops below 78 %, which is did on the XX/XX/XXXX payment. From XX/XX/XXXX through XX/XX/XXXX there was anotice on my online account stating " Because your load is FHA, your MIP will be cancelled XX/XX/XXXX. No action is needed by you. '' On XX/XX/XXXX, Caliber made an MIP distribution of {$330.00} to FHA. I contacted Caliber requesting confirmation the MIP had been cancelled. Caliber acknowledged receipt of my request, but never responded to it. On XX/XX/XXXX, I received a hard copy letter stating I was eligible to " Refinance my loan and remove my MIP, saving {$4000.00} a year '' The loan was at a higher interest rate than my current loan, which is at 3.25 %. There was nothing in the letter referring to my request to confirm the MIP has been cancelled. There was nothing in the letter informing me I did not need to refinance my loan to cancel the MIP and I would be saving the {$4000.00} without refinancing to a higher interest rate. When I checked my online account on XX/XX/XXXX, another FHA distribution of {$330.00} for MIP had been made and the message that my MIP would be cancelled with no action needed on my part had been removed. I sent a follow up inquiry for an explanation and have received none thus far. NOTE : Both emails, online messages and letters have been coming to me all year pushing me to refinance at a higher interest rate than my current loan stressing I could get rid of my MIP and save " {$4000.00} a year '' and have lower mortgage payments. Never did any of these messages identify my loan as an FHA that was eligible to have the MIP removed without refinancing, how much I would save, and what my payments would be after the MIP was removed. I believe this is at best, deceptive, misleading advertising with the express intent to get more money from the customer without giving them the facts that it would actually cost the customer more as well. At worst, it is outright fraud. I would guess there are thousands, maybe tens of thousands of Caliber customers with FHA loans originated before XX/XX/XXXX that have been subjected to this same misleading advertising. And some who have undoubtedly fallen for the tricks.
|
| 06/18/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I applied for a loan hardship modification with Caliber Home Loans. The modification approved and I had to sign the agreement and have return to Caliber by XX/XX/XXXX. I signed the agreement and called Calibur Home Loans on XXXX XXXX, spoke with an agent name XXXX XXXX. She stated the modification was approved and is being processed. She stated to call her back by Thursday and once processed I would received a copy of the agreement in the mail once processed. I called back to check on the status of my agreement and spoke with a XXXX agent number XXXX and she stated the modification could not be processed and due to some probate paperwork needed for my deceased mother XXXX XXXX XXXX. She also stated she do not know why the last time I called I was not told this. XXXX days has passed and I received no phone call, no letter from Caliber indicating what was needed. I am the cborr on the loan, and have the only interest in this mortgage. I advised XXXX, why was n't this communicated to me in a timely manner as I am waiting on a decision and would have to take time off work to go to my county office for this information. I am filing a complaint as they failed to communicate the proper info needed in a timely matter. My mod should take effect XXXX XXXX. When I called on XXXX XXXX, I was calling to set up an autopay to make sure the payments are on time each month, but instead I received this communication. furthermore, the interest on this loan is on a simple fee and continued to accumulate dailty. I feel Caliber need to offer some other assistance until I am able to get the documents they are requesting. When I completed my hardship, I received a letter from Caliber indicating they need a death certificate for XXXX XXXX XXXX and this was all they needed. No one mentioned anything about an EOE paper work, which I feel is not needed in this case as I am the cbrr on the loan and have been making payments to them for a while now. Plus, I would like an explanation of the additional charges that was added to my loan after Caliber took over my loan payment from XXXX in XX/XX/XXXX/XX/XX/XXXX. I requested a permanent interest rate reduction as the interest on this loan is way too high but instead they gave me a 5 year plan reduction on the modification.
Loan name : XXXX XXXX XXXX and XXXX XXXX - XXXX. XXXX XXXX is now XXXX XXXX XXXX
|
| 04/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I am trying to have my PMI removed since I am within .5 % of the LTV guidelines in order to have this happen. I currently have an LTV of 80.23 % and am aware that by law once my LTV reached 80 % I can request it be removed and the mortgage company has to do so. I reached out on XX/XX/2021 to have this issue resolved, not only could I not get anyone on the phone but I could not get a clear answer as to what department to speak to. I finally got ahold of the refinancing department and they agreed to mail me the proper documentation needed to have my PMI removed. Once I received these documents and read them at length they explicitly state that once my LTV reaches 80 % I can simply submit a request to have my PMI removed and once it is confirmed by my mortgage company they will remove it. It gives me the option to pay for a BPO or an appraisal but since I am only .23 % over the necessary requirements to ask for it to be removed, I intend to make the necessary payment to reach the 79 % LTV and just have it removed. I sent an email on XX/XX/2021 through the online portal about this and received a response on XX/XX/2021 telling me to contact caliber home loans.
I reached out today XX/XX/2021 about this issue and was told that the investor who has my loan will not let me remove the PMI without doing a BPO or appraisal I explained to the woman on the phone that is not how this works and she did not have an answer for me. I also explained that I have letters from caliber that directly contradict what she was saying, and that the website says at 75 % it will automatically be removed. She was of no help and no further assistance, she couldn't even tell me what amount to pay to have the LTV drop below 80 %.
I have never missed a payment, and have been trying to get the PMI removed since the beginning of 2021. I can make whatever payment is necessary to meet whatever LTV is necessary to have my PMI removed but nobody at Caliber home loans is able to provide me with that information. I am the ideal candidate to have my PMI removed and I want it done, asap. The mortgage company is not willing to work with me, and it is not my burden to pay for a BPO when I have already met the guidelines. After this month my LTV will be 80 % or lower without me having to make an additional payment.
I am requesting this be addressed immediately.
|
| 01/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Furtherance to my complaint ( Complaint ID XXXX ) that I submitted on XX/XX/2022 against Caliber Home Loans, Inc ( Caliber ), and the response from Caliber dated XX/XX/2022, it was expected my Mortgage account and payments will be accurately updated with Credit Report Bureaus. Also, that Caliber Home Loans will be more transparent.
For the very first time, I noticed a new charge of XXXX ( {$15.00} ) called " XXXX XXXX '' on my Mortgage Statement that was due on XX/XX/2022. As a result, I made frantic efforts to speak with a Caliber representative to explain the reason for the new charge. It is on record that the Caliber representative feign ignorance of the new charge and promised to get back to me when she is able to know the new reason for such a charge. Since XX/XX/2022 till date, no person from Caliber Home Loans has ever called me on the phone or written to me on why such a charge of XXXX ( {$15.00} ) called " Corporate Advance ''. All subsequent Mortgage Statements since XX/XX/2022 include the " Corporate Advance '' charge of {$15.00}. However, I have made it a conscious decision since XX/XX/2022 not to include the " Corporate Advance '' {$15.00} charge in my monthly Mortgage payments, because the Caliber Home Loans ' staff that I had to opportunity to once make an inquiry from could not provide a reason for such a charge.
In XX/XX/2022, I noticed that All Three Credit Reporting Bureaus had entry for my Mortgage payments for the months of XXXX and XXXX, and when I spoke to XXXX of the Credit Reporting Bureaus, I was told that my Mortgage Company has reported " Nothing '' for the months of XXXX and XXXX in 2022. Even my most recent Credit Report from all three Credit Reporting Bureaus still shows no payments for the months of XXXX and XXXX in 2022.
In addition, I have noticed on the last Mortgage Statement for the Year ending 2022 that the " Paid Year-To-Date '' Principal ( {$10000.00} ) ; Interest ( {$15000.00} ) ; and Escrow ( {$8400.00} ) as reported by Caliber are all less than the calculated amounts that I actually paid.
I have attached to this complaint, the different Mortgage Statements received in year 2022, Bank Print-Out showing Payments received by Caliber Home Loans, relevant pages of my Credit Report from XXXX, XXXX, and XXXX showing no entry of payments as reported by Caliber Home Loans , Inc .
|
| 06/18/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I was impacted by a FEMA declared disaster " Hurricane Irma '' and my home was in the disaster area. XXXX XXXX ( the former servicer ) placed me on a 6 month disaster forbearance with promise of doing a streamline disaster modification at the end since I had a fannie mae loan. Since my property insurance did not pay anything because our home was not damaged significantly but had enough damage to put us behind with out of pocket expenses from power loss, loss of food, trees fallen, debris everywhere, siding damage, the insurance company raised the deductible to 5 % of total value of the home at about {$10000.00} and my damage was under that amount so it was all out of pocket on a fixed income. I used the money to recover from the disaster. My wife and I are US XXXX veterans who both served in war in XXXX. We were never late on our mortgage payments and were current for years and was current at the time of the disaster in XXXX.
At the end of the 6 months XXXX extended the forbearance for an additional 6 months for a total of 12 months per XXXX XXXX my current investor at the time. ( I am including the FEMA declarations and the FEMA disaster forbearances XXXX placed me on. ) The second FEMA disaster forbearance ended on XX/XX/XXXX. We were hit by Hurricane Michael declared by FEMA on XX/XX/XXXX. XXXX was in process of trying to find out if I should be placed on another disaster forbearance or should they proceed with the disaster modification.
I spoke to them on XX/XX/XXXX ( XXXX XXXX ), XX/XX/XXXX, XX/XX/XXXX ( Mrs XXXX ) who confirmed my file was submitted to XXXX XXXX on XX/XX/XXXX and they were still waiting on a response. Then on XX/XX/XXXX ( XXXX XXXX ) he said it was still in review. On XX/XX/XXXX ( XXXX XXXX ) she said it was still in review and I need to wait. They all said this was a special situation since we were hit by back to back hurricanes and they were trying to decide how to handle it. On XX/XX/XXXX ( XXXX XXXX and supervisor XXXX XXXX ) both said it was still in review and to wait.
Well I received a Notice of Servicing transfer dated XX/XX/XXXX and from that point they said I need to speak to the new servicer. No one from XXXX told me they were going out of business or that my loan was being sold and not just service transferred. I received a notice stating my loan was being sold on XX/XX/XXXX.
|
| 11/16/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
We refinanced and signed all mortgage documents on XXXX/XXXX/2016 paying off our our XXXX mortgage with Caliber Home Loans and our second mortgage with XXXX Loans. We had received a verified 30 day payoff statement ( {$380000.00} XXXX from Caliber Home Loans, good through XXXX/XXXX/2016. After the settlement date, the Title Company wired the verified payoff to Caliber on XXXX/XXXX/2016 in the amount that was signed in our paperwork. This was confirmed as paid on XXXX/XXXX/2016. Caliber then rejected the wire in which the title company attempted to wire again and it was refused another time with no explanation, meanwhile accruing interest all these days. When I called Caliber Home Loans on XXXX/XXXX/2016, they stated that the amount was short since they refigured the numbers and in turn changed the verified and signed payoff. After digging into this in more detail, I found that Caliber had faxed an updated payoff statement with a larger amount to the title company on XXXX/XXXX/2016 without notifying anyone and after we had already signed documents. To rectify the situation, we immediately brought additional funds down to the title company, even though this did n't seem right, just so that we could get it paid off to avoid even more days of interest charges, all the while paying interest to our new mortgage company ( that we had refinanced with ). The title company then requested a new payoff good through XXXX/XXXX/2016 and wired out the amount of {$390000.00} on XXXX/XXXX/2016 including more days of interest and fees. The wire was confirmed paid on XXXX/XXXX/2016, but then returned again on XXXX/XXXX/2016 with yet again, no reason. We then called and requested for a final time a new payoff statement in which Caliber yet revised again good through XXXX/XXXX/2016 in the amount of {$390000.00}, including more interest and fees. We are still waiting to see if they will accept this payment. This is absurd! We then wired out the amount of {$390000.00} on XXXX/XXXX/2016. Caliber has not been easy to deal with and I have never heard of them increasing a payoff statement without trying to notify us or the lender or title company. This makes zero since and we should not be responsible for paying on their lack of communication, organization and frankly a complete mistake on their part from calculating the original payoff.
|
| 10/26/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
OnXX/XX/XXXX we submitted a package to process a short sale with Caliber Home Loans via XXXX and the interior valuation was completed the same week. the value came back at {$280000.00} and the servicer ( Caliber ) provided me a copy of it on XX/XX/XXXX.On XX/XX/XXXX we submitted an engineer report along with an explanation letter to have them review the value of the property. they basically used fully renovated properties as comparables for a property that will need a lot of work due to the major issues that require major repairs.we marketed the property on websites such as XXXX, XXXX, XXXX, etc and we were not able to get an offer on the property on the range requested by the investor.After meeting all the investor requirements i received the following message from XXXX XXXX XXXX on XX/XX/XXXX : I would like to take this opportunity to tell you about a change in policy and how this change affects this property.
As you are aware, all short sales are subject to lender approval.
This account is no longer eligible for a short sale and we will not approve a loss.
A full payoff will be required.
We appreciate how hard you have worked to help our mutual client avoid foreclosure, and do n't want you to spend any more time on a short sale that is not available.
If a full payoff is not an option, we encourage you to assist the homeowner to agree to a Deed in Lieu, rather than a short sale.
There is currently {$14000.00} incentive available for the homeowner for a completed Deed in Lieu. Attached is a Deed in Lieu application for the homeowner to complete and return to my attention at calibercares@caliberhomeloans.com or contact us at XXXX to discuss.
If the homeowner wishes to pursue retentive options to remain in the property, they may contact our SPOC department at XXXX for other alternatives.
Basically, without any warnings or notifications, the investor decided to denied the short sale option to the home owner unilaterally and we basically wasted more than 2 months complying with everything they asked for. Also, I am checking reviews from other agents and i see that this has become a common practice from this servicer. I truly believe these abusive practices have to be regulated by the federal government to stop this investor from doing more harm to the people that are currently in a hardship situation.
|
| 03/26/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
On Friday, XX/XX/2021, I contacted my current mortgage company, Caliber Home Loans, to notify them of my closing date with a new lender, XXXX, on Tuesday, XX/XX/2021. I requested they update the Payoff ( through XX/XX/XXXX ) to reflect the correct Escrow Balance of - {$35.00}, not {$1900.00} which reflects the XX/XX/XXXX Real Estate Tax Bill that is due. They bounced me back and forth between Customer Service & Tax Department for over 2 hours. I probably spoke with about 6 different people and can not remember all names. XXXX from Caliber 's Tax Department admitted the tax date they had in the system was wrong ( incorrectly listed it as XX/XX/XXXX, not XX/XX/XXXX ) and that they do not even have a tax bill for which a Stop Payment could be issued. She is correct, because I can not even get an updated statement from the City of XXXX as they have not issued them for the XX/XX/XXXX billing yet. The City of XXXX issued me an abatement in XXXX and I do not even know exactly what the amended XX/XX/XXXX bill will be yet, because the City has not issued those new XXXX bills and will very likely see them until XX/XX/XXXX, which is long after I close and pay my Caliber loan in full.
I was then transferred to her Supervisor XXXX who then passed me back to Customer Service again and then transferred me to another Customer Service Supervisor, XXXX. XXXX along with the new Tax Department contact flat out refused to update the information and basically said they would not change anything and gleefully told me that they won't even discharge my loan if I did not pay the {$1900.00} escrow balance ( which is incorrect, because my escrow balance is - {$35.00} XXXX and the bill is not even owed to the City of XXXX until XX/XX/XXXX. So, now both banks are charging me escrow for the same tax bill. This is a highly unacceptable practice that puts an unfair financial burden on the borrower. I was also told by the new bank representative at XXXX that it is illegal for them to collect this additional money. I want them to be punished for triple the amount ( {$1900.00} x 3 ) they are unfairly trying to collect from me interest free, so they will be incentivized to fix their processes and not put such an unfair burden on any borrower again, especially in the middle of a pandemic where so many people are hurting financially.
|
| 12/30/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Mortgage company, Caliber Home Loans, is not interested in helping me keep my home which has been my primary residence for 23 years. They have offered {$13000.00} relocation assistance if I did a short sale. I agreed. They would not accept any reasonable offers and in fact would only accept $ XXXX after ordering two appraisals of my property and disregarding the lower appraisal even though this amount is more than my loan balance by almost $ XXXX. While a short sale contract was pending, Caliber offered {$13000.00} relocation assistance if I would sign a deed in lieu. After short sale file was closed on XX/XX/XXXX, I called to accept deed in lieu offer on XX/XX/XXXX and continued to call for several weeks. On XX/XX/XXXX, Caliber called but only to tell me that my home was now in foreclosure with a sale date of XX/XX/XXXX and I had no other options since foreclosure status placed on my account on XX/XX/XXXX. My attempts to negotiate any solution other than foreclosure have been ignored. I called XXXX at Caliber on XX/XX/XXXX in an attempt to apply for a loan modification and was told by her that the only thing I qualified for was the foreclosure and she refused to send me an application for a loan modification. I was never offered reinstatement options or given an amount to satisfy the loan or bring the loan current. In fact, I have never received written notification that the short sale was denied or given a timeframe to seek other solutions prior to foreclosure sale date. After talking to XXXX at Caliber, I researched my deed records and discovered discrepancies in the assignment transfers on my original Security Deed. It appears that Caliber nor its investor has the right to foreclose on my home due to the original loan documents being unavailable as the original lender went out of business. The Uniform Closing Dataset was not accurate due to the original loan documents being no longer available to properly record any subsequent assignments. See attached Affidavit of Assignment. Caliber filed an Assignment of Mortgage Security Deed on XX/XX/XXXX but called it a " Corrective '' assignment indicating that a prior assignment was properly filed and recorded. See attached Corrective Assignment of Mortgage/Security Deed. This was obviously filed in an attempt to be able to foreclose on my property.
|
| 04/29/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
On XX/XX/XXXX, I filed a complaint with the Consumer Financial Protection Bureau ; within the complaint I questioned inconsistencies that involve my XX/XX/XXXX XXXX XXXX XXXX, XXXX. mortgage. On XX/XX/XXXX, the Consumer Financial Protection Bureau forwarded me a " response '' to my complaint ; this response is submitted by the Executive Office of XXXX XXXX XXXX. Attached to XXXX XXXX XXXX XXXX XX/XX/XXXX response ( as evidence ) is a copy of a XXXX XXXX XXXX, XXXX. promissory note ; this promissory note supposedly correlates with my XX/XX/XXXX XXXX XXXX XXXX, XXXX. mortgage ; the promissory note is not endorsed ( annexed as EXHIBIT A ).
On XX/XX/XXXX, XXXX XXXX XXXX filed a foreclosure action ( XXXX/XXXX ) against me in the Supreme Court of the State of XXXX XXXX of New York ; this foreclosure was subsequently dismissed on XX/XX/XXXX ( in my/Defendant 's favor ). Then, on XX/XX/XXXX, XXXX XXXX XXXX, XXXX. As Trustee for XXXX Master Participation Trust filed a foreclosure action ( XXXX ) against me in the Supreme Court of the State of XXXX XXXX of New York ; this foreclosure is currently ongoing. The promissory note presented as evidence in the XXXX XXXX XXXX, XXXX. As Trustee for XXXX Master Participation Trust foreclosure is endorsed in blank, signed by XXXX XXXX as Vice President of XXXX XXXX XXXX, XXXX. ( annexed as EXHIBIT B ) In the matter of XXXX XXXX XXXX, XXXX v. XXXX XXXX, case No : XXXX CA ( 11 ), XXXX XXXX Circuit Court, XXXX XXXX was deposed on XX/XX/XXXX ( annexed as EXHIBIT C ). According to the XX/XX/XXXX XXXX XXXX Deposition, XXXX XXXX testified under oath that she ( a. ) left [ was laid off from ] the Secondary Delivery Operations Department in XX/XX/XXXX ( p 52 ) when the department in XXXX closed and moved to XXXX, XXXX XXXX, ( b. ) No secondary delivery operations were going on in XXXX by the end of XXXX. ( p 64 ).
Per the XXXX XXXX Deposition : after XX/XX/XXXX XXXX XXXX was no longer a Vice President of either XXXX XXXX XXXX or XXXX XXXX XXXX, XXXX. As such, how can the promissory note, which XXXX XXXX XXXX, XXXX. As Trustee for XXXX Master Participation Trust has presented as evidence for the foreclosure action ( XXXX/XXXX ), be legally endorsed in blank by XXXX XXXX as Vice President of XXXX XXXX XXXX, XXXX. ( annexed as EXHIBIT B )? Please explain this fraud.
|
| 02/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
We have been in a foreclosure where the loan has been transferred between at least 10 different servicers over several years. We have documented multiple missing payments that we proved were paid and multiple undefined charges just marked as " fee ''. We have agreed to a pre-approved mortgage trial/modification plan but the servicer still foreclosed during an agreed upon time that they would not foreclose. They have been DUEL TRACKING on this loan. On XX/XX/2019 we received a letter from Caliber Home Loans that was dated XX/XX/2019 with an offer for a pre-approved trial/modification offer stating we have until XX/XX/XXXX to accept and that there would not be foreclosure while the trial/modification is being followed. We mailed the signed offer to them on XX/XX/2019 with a letter attached that said we agree to the plan but wanted to know what the amount of principle balance would be after the 5 year modification plan ended. XXXX, XXXX and XXXX scheduled a hearing on XX/XX/2019 asking the judge for summary judgement in the case even though we had an agreement not to foreclose unless the plan requirements are not met in the 3 month trial. I went to this hearing and informed the Judge and Calibers attorney that we had agreed to the offer and were waiting for the request for post modification principle balance. The Judge granted Calibers summary Judgement on XX/XX/2019 even though both the Judge and the attorney had been informed of the agreement between us and Caliber.
On XX/XX/2019 XXXX XXXX, Calibers attorney, called and said that Caliber asked him to notify us that the amount of principle still owed after the trial/modifications 5 year period would be XXXX XXXX.I was very mad at first because the principle balance after the 5 year plan was more than the claim, but that night on XX/XX/2019 after telling my husband of the offer he said to just send the payment and move on. So within 4 business days of XXXX XXXX XXXX phone call acknowledging that Caliber had received the signed offer and answering our after modification principle balance question we sent the first payment due by the end of XX/XX/XXXX only to find out later that evening when opening our mail that they had foreclosed 2 days before XXXX XXXX even called.
This is DUEL TRACKING which is against the law both Federal and state.
|
| 04/25/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XX/XX/XXXX, I initiated a refinance home loan now serviced by Caliber Home Loans ( Caliber ).
I set up automatic payments to Caliber through the XXXX XXXX XXXX XXXX ( XXXX ), which used the iPay Bill Pay Service from XXXX XXXX XXXX XXXX ( XXXX XXXX ).
Automatic monthly loan payments ( {$1300.00} ) started in XX/XX/XXXX.
Monthly payments were routinely sent from the XXXX to Caliber, in check format as scheduled from XX/XX/XXXX, through XX/XX/XXXX, via XXXX XXXX.
In XX/XX/XXXX, Caliber notified XXXX XXXX they would stop accepting payments in check format, and would begin only accepting electronic payments instead. [ THIS CALIBER INITIATED ACTION is root cause # 1 for the missed payments ] XXXX XXXX then stopped check number XXXX ( the XX/XX/XXXX payment in process ) to change the payment method to electronic.
However, Caliber REJECTED the subsequent electronic payment from XXXX XXXX for XX/XX/XXXX. [ THIS CALIBER INITIATED ACTION is root cause # 2 for the missed payments ] This rejection DEACTIVATED the XXXX XXXX XXXX reoccurring payment to Caliber, that was previously set up.
Caliber immediately reversed itself and notified XXXX XXXX to change the payment method back to check format, as they had NOT completed their set-up to accept electronic payments.
Since the automatic payments were deactivated by the series of actions initiated by Caliber, the XX/XX/XXXXand XX/XX/XXXXpayments due to Caliber went unpaid.
As I was on an XXXX XXXX in XXXX, and thinking my payments were automatic, I was not aware these payments were late until my return to the US in late XX/XX/XXXX.
Upon my return to the US, I immediately scheduled the late XX/XX/XXXX and XX/XX/XXXXpayments.
The XXXX 's XXXX XXXX XXXX again started sending payments in check format to Caliber, automatically as scheduled, as Caliber still had not set up to receive electronic payments.
ONLY in XX/XX/XXXX, 3 months after their initial communication, did Caliber complete their set-up and begin receiving electronic payments from XXXX and XXXX XXXX.
I have never missed any payments on this loan ( or any previous mortgage ) prior to, or after the payments impacted by the Caliber initiated actions.
Had Caliber not rejected the first electronic payment attempt, made at their request, these late payments would have never occurred.
|
| 10/04/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Tracking number # : XXXX Mortgage Company : Caliber Home Loans I had a pip break in my kitchen on XX/XX/2018 and I had to file a claim with my homeowners insurance company and settled the claim in late XXXX. We received payment for the repairs of the house however, our finance company is listed. I contacted my mortgage company right away for the steps to take in order to have the payment endorsed. They are requiring a contractor to fix the house in order for them to release payment to the contractor after the repairs are done. The problem is that my husband and I have met with several contractors and non of them are willing to repair my house for the amount the insurance company settled for. I told Caliber Home loans that I would like to have the payment released to us for self repair as it is too expensive to hire a general contractor to repair my home. After numerous documentation forward to them and numerous contacts caliber still insist that their is not they can do for us and we have to get a general contractor even if its more money to fix the house. The resolution specialist that has been handling our claim states that the only way they can release the payment to us is if we send them receipts of the repairs ... .... how can we repair the house if we dont have money??! She even went as far as telling my husband to get a loan to repair the in the meanwhile they may decide to release the funds to us. I have a hole on the outside wall of my house where water is still coming in through, its been a nightmare with this mortgage company. They refuse to make an exception. I need to repair my house because we are still in Hurricane season and XXXX forbid one comes and damages the property even more. Caliber Home Loans has hindered myself and family from living a health and happy life in our home just because they are not willing to make an exception. They also want us to pay for the post appraisal to the residence after its repaired for a fee of {$30.00}. If its documentation that is needed for their file, we as the borrowers should have to pay it. I pay enough. Im going through a hardship now where Ive even lost my job and they still wont help me. All I want is for them to approve my claim and endorse the payment in order to fix my house. I just want to fix my house! Please help me!
|
| 01/01/2021 |
Yes |
|
|
|
Web |
Servicemember |
|
The loan officer ( XXXX XXXX ) I am using is an independent broker ( XXXX XXXX XXXX XXXX ) servicing for Caliber home loans, won't explain the information on the closing disclosure document and/or documented incorrect information on the loan application and the demographic information addendum. When I've ask him questions or ask him to change things on my application he has told me XXXX20 " If youre not satisfied with how Caliber wants it on the application, DO NOT move forward with Caliber or myself. '' XXXX20 " I am no longer working on this loan and you will need to find another lender '' XXXX20 If you are not comfortable working with them I completely understand if you decide to select another lender. '' -He has also told me this type of wording over the phone.
This is an ultimatum to do things his way and don't question him.
My real estate agent has had to get in the middle to resolve the issues to move forward and that hasn't helped resolve much. This loan officer uses the lender as a reason to not move your loan forward if you don't do things his way. He says this instantly before even consulting with the lender, because he is an independent broker and has no boss, he does what he wants and says that's what the lender will say or it's standard business practice. None of these are explanations or answers to my questions but excuses. I doubt Caliber home loans is aware that business is being conducted this way on their behalf. I have had to consult with other loan officers to try to get answers. Before you have answers he has moved on to the next step without my permission. Now I have an approved loan with lots of questions still unanswered.
I was put in an FHA loan and not explained the parameters of it. Being a military member it's nice to know how long you are legally obligated to live somewhere vs putting me in what you think is the best product. We were too far in the loan process to change the type of loan. The loan officer is a terrible communicator, interrupts and has an antiquated system in which I can't put in any of my own information. The agent and loan officer say it's preliminary and will be fixed later but that isn't how things should work. I responded with I'm not satisfied and the loan officer moved forward anyway. This is bad business practice.
|
| 10/30/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
XXXX and I had a legal dispute regarding their violation of the contract, plus their Deferred Prosecution Agreement in XXXX for Money Laundering, asset forfeiture, {$1.00} Billions with the XXXX.
In XX/XX/XXXXa point of sale to XXXX XXXX XXXX XXXX was to take ownership and Caliber Home Loans IncXXXX was the new servicers. However, I received many notices about assignments and servicers for months. I was instructed to pay Caliber Home Loans, Inc.XX/XX/XXXX and XXXX was the new owner.
I did not pay because they did not respond to the contract violation and asset forfeiture which should have included my homestead protected property. I was not convinced they owned the property because the real estate recording instruments did not reflect the change in XXXX per the correspondence. I received many threats to foreclose and I said prove you are the owner and XXXX transition to that ownership. So I did not pay any money to acknowledge a contract from XXXX.
XXXX XXXX XXXX XXXX and Caliber Home Loans Inc. assigned my homestead property to XXXX XXXX XXXX XXXX, XXXX. in XX/XX/XXXX. I was served a Foreclosure ( Expedited ) Citation to appear inXX/XX/XXXX
I tried to explain to the Judge that I did not have a contract with the person who assigned my property XXXX XXXX XXXX XXXX and the Attorney representing all three entities were the same. My XXXX XXXX. XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXXXX/XX/XXXX AT XXXX.
I really need some help. I have the information to prove the wrong transfer and assignment and financial the FDCPA alleged cause of foreclosure is not a contract with me since XXXX XXXX XXXX XXXX, Trustee is among the Petitioners. The amount to cure the loan is {$5600.00} for 8 months default. Plus they have added {$40000.00} as deferred interest.
XXXX has forfeited my asset and XXXX stole my identity to transfer it to XXXX XXXX XXXX, XXXX. This is an intentional predatory loan scheme. The elements to commit a Real Estate Fraud Transaction, Negligence, and Negligent Misrepresentation are all met in the state of Texas. I can not present this because I have a concussion which has some impairments.
PLEASE CALL ME XXXX ASAP. I do not want to loose my home because I can not present this case. I will pay a lawyer to do so who is a good litigator.
|
| 11/10/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
On XX/XX/XXXX - A Request for Mortgage assistance ( RMA ) was faxed to Caliber Home Loan.
On XX/XX/XXXX - Spoke with rep XXXX who stated the RMA was received, but not reviewed yet.
On XX/XX/XXXX - Spoke with rep XXXX and did financial interview to start a modification review process.
On XX/XX/XXXX - Called Caliber Home Loans, Rep stated it is under review with loss mitigation as of XX/XX/XXXX, no additional docs needed at this time On XX/XX/XXXX - Called Caliber Home Loans, Rep XXXX stated it is not in review due it being in forbearance status until XX/XX/XXXX. ( This was in complete contradiction to what was said on XX/XX/XXXX ) On XX/XX/XXXX - Spoke with rep XXXX # XXXX a XXXX. She confirmed the RMA was received. She had to escalate to the original rep to push the loan into review with underwriting.
On XX/XX/XXXX - Spoke with Rep XXXX ID # XXXX- She stated it was never reviewed for modification. She stated that under new guidelines the client is eligible to apply for a modification even if it is current as long as it's a COVID hardship. She requested the following documents : - A new RMA requesting an FHA-HAMP/Partial Claims Combo - Bank statements for last 60 days, Pay stubs for last 30 days, Tax return for XXXX, Profit and Loss statement for self employment of last 3 months.
On XX/XX/XXXX - The requested documents were sent to Caliber Home Loans On XX/XX/XXXX - Spoke with rep XXXX ID # XXXX - File is with underwriting, no documents needed at this time.
On XX/XX/XXXX - Spoke with rep XXXX - File with underwriting as of XXXX, no documents needed at this time.
On XX/XX/XXXX - Spoke with rep. XXXX - File is with underwriting as of XXXX, no documents needed at this time On XX/XX/XXXX - Spoke with rep XXXX - System upgrades are in progress and she could not give the information that was needed. Recommended we call back after XXXX On XX/XX/XXXX - Spoke with Rep Emerald # XXXX or XXXX ( Per new system ) - The review was deemed unnecessary by the underwriting team and was closed out with no decision on the modification. Rep XXXX escalated the the file with the underwriting team to continue the review with the documents that were submitted. ( No letter was sent to notify that Caliber home Loan had decided to stop the review, and no reason was given. )
|
| 04/17/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
My wife and I have tried to refinance our mortgage with Caliber Home Loans , Inc . Since they are the servicing mortgage company that holds our mortgage at an APR 4.87 % 30 year fixed rate. On XX/XX/2020, I spoke with Mr. XXXX ( ID # XXXX ) a representative of C.H.L. and after our first phone conversation which I pointed out that our APR at 4.87 % was extremely high at this market and he agreed with me. He then asked me if he could call me right back within one hour and I agreed. Mr. XXXX never called back or answered my phone calls and messages, he left us hanging. Then we were contacted by another C.H.L. representative, Mr. XXXX XXXX ID # XXXX ) on or about end of XXXX I was negotiating a refinance from 4.87 % APR ( current APR ) to 3.6 % 30 year fixed rate. During the subsequent week on XX/XX/2020, I was notified by my company that my job was been terminated as a XXXX XXXX Consultant. I wrote to Mr. XXXX and expressed that to him. In the letter I explained to him that my wife, XXXX XXXX was still gainfully employed. I explained to Mr. XXXX that we were respectfully requesting that Mr. XXXX ask his superiors at C. H. L. to provide us an interest rate less than 3.6 % APR and a six ( 6 ) month grace period without penalty until I can secure another position. We explained that we were not asking for forgiveness of the debt instead we would ask that the amount be added to the end of the loan at the new interest rate. After sending this email to Mr. XXXX he simply responded that he was sorry and offered to send us to another department and did not. Until, XXXX, XX/XX/XXXX, when he called me back and I insisted that he would send me a link to deal with some one else.
At this Caliber Home Loans, Inc. they keep passing the ball to the next person to try to dissuade you for getting a lower interest rate and refinance your mortgage. Even when the Federal Reserve Bank lowers its interest rate at 0 % and Governor XXXX in New jersey, asks us, the consumers in New Jersey to contact our mortgage servicing company to lower our interest rate and refinance with a grace period during these economic hard times. Please help us achieve this dire need to refinance our mortgage and stop companies tike Caliber Home Loans , Inc. from playing hard ball with customers. Thank you.
|
| 11/15/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Hello. In XXXX I purchased a foreclosed home, I then put about $ XXXX {$60000.00} into repairing and getting it. By the beginning of XXXX the home was completely remodeled, so I reached out to my mortgage company caliber home loans and requested that they remove my PMI and or stop dispersing it to the company that was charging me. On multiple occasions I spoke to representatives at caliber home loans who told me I did not meet the threshold to have it removed, so I then requested information to speak directly with the PMI servicer and they told me I would have to deal with them directly meaning caliber home loans. I requested every time I spoke to them to make a note because I knew my home was valued above the threshold to have the PMI removed but they refused to send me the forms to start the process they said on multiple occasions that it was In the mail, they never arrived. Meanwhile I became a XXXX patient while all this was going on and continue to argue with them about the value of my home and the PMI being unnecessary. As of a couple months ago I went on the website completely frustrated and found a pdf form having just spoke to a representative that told me it was not possible I decided to fill the form out on my own and send in the payment to start the process because I knew I was correct. This past month the broker came out to my house to do the home evaluation and told me my home was valued well above the PMI threshold and that there was no reason that I should have been paying for a PMI insurance for the past two years almost 3 years. I decided to call caliber home loans and explain to them that it is very frustrating that because of the incompetence of their representatives I paid money that I could have been putting towards medical cost towards a service I did not and do not need. They took no responsibility and said that the PMI is now removed and I should be happy with that. Would you be happy if someone stole {$4200.00} from you for a service you never needed? They have taken no responsibility and just told me that they sold my loan to a new company to get away from the problem this is unacceptable I would appreciate assistance on this situation as they continue to disburse money to a company they received a kickback on at my benefit.
|
| 12/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I Logged in to make my XX/XX/2021 payment and saw a negative escrow balance of {$2600.00}, this is reflected in a statement from XX/XX/2021. That amount came down to {$2100.00} after that payment got posted, I assume this was due to the escrow amount we pay in our monthly payment. This is reflected in the statements.
After doing some research I have notice that the {$2600.00} is something I can not account for in any closing documents or statements, other than the one from XX/XX/2021, that shows the negative balance in the first place.
Applied Date Type Description Amount XX/XX/2021 Escrow Escrow Advance {$2900.00} XX/XX/2021 Insurance Paid Homeowners Insurance Disbursement - {$2900.00} XX/XX/2021 Escrow Escrow Advance {$2600.00} XX/XX/2021 Taxes Paid Tax Disbursement - {$3800.00} Looking at these numbers, we had enough in our escrow from the old loan to cover the property taxes for next year on this new loan. I am not entirely sure where that escrow advance came from on XX/XX/XXXX. There is no indication that we were shy on this account. I can only figure that we should have had a {$0.00} balance when the property taxes got paid. This holds true because Caliber sent us a refund check for the difference in property taxes year over year ( {$4700.00} for last years taxes ). The only source of insufficient funds were for the home insurance, since the premium had not been known, for the next year, at the time of closing. That explains the $ XXXX and we recognized that we owe that. Its the advance I need answers for. What is it, how did it come to be, what was it applied to, why werent we notified?
To that account, our closing documents say that we made a {$1200.00} payment to cushion the escrow account at closing. I do not see that value in our escrow activity on the new loan, either. This is under Additional Information About This Loan on our Closing Disclosure document. Factor that in and we should really only have a negative balance for the difference in the cost of the home insurance policy from last year to this year.
Something was either miscommunicated to us in regards to our escrow and closing costs or something was entered incorrectly. I need to know how we rectify it and what this is going to do to my payments going forward.
|
| 11/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
This is my second complaint about Caliber Home loans. I originally called them in XXXX to let them know that I was ready to end my forbearance and start making payments but the payments were unaffordable due to long term decreased income due to covid and I would need a flex modification as a solution to covid post-forebearance. I sent in the complete package in XXXX and also called to confirm that they had received it all to which they said they had. Then in XXXX they said they hadn't received it all and I sent numerous items repetitively back to them. It actually felt like they were giving me the run around with the items they were asking for and they were changing the requests. I finally received a letter in XXXX stating that they had FINALLY officially received the modification package complete again ( though they had confirmed this in XXXX ). I then received a string of automated calls last week stating that I needed to call Caliber for a status update. I called and called and the system said that they were doing 'upgrades ' and that the system was down. ( Why they are sending automated calls for customers to call a system that is down is another problem ) So I called this morning on XX/XX/XXXX only to find out that we have basically started over. The rep asked me if I am ready to begin making payments and they will get me on a deferral program. I now am two months into this ridiculous process and we are restarting the process all over again. I have told them that I can not make the current payments and I requested a flex modification through the CARES act 2 months ago. She said all she can do is notate the account that I am ready to begin making payments and they will look at a deferral to begin the post forbearance solution. I can not begin to tell you how frustrated I am with this company. They said a modification takes 30-40 days to complete back in XXXX Its now been 2 months and they are starting over with everything. Absolutely awful company. It appears to me that they are trying to get customers stuck in the weeds as long as they can until they are forced to exit out of Covid Forbearance quickly... thus forcing them into a deferral last minute. CFPB needs to know what a mess this is and how difficult it is for customers to navigate.
|
| 11/16/2015 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
My wife and I submitted an offer on XXXX XXXX XXXX, XXXX, FL, XXXX. We already had financing in place and submitted our pre-approval letter with our offer. However, in order for our offer to even be considered, Caliber Home Loans required that we get pre-approved through them. I was not comfortable with this as I know RESPA strictly forbids mortgage steering even if it is for pre-qualification. We cave to their request because we absolutely love the home and wanted to start our family there.
It went to a highest and best offer scenario, which the listing agent, XXXX XXXX, contacted my agent on XXXX/XXXX/2015 around XXXX and advised her that Caliber Home Loans accepted our offer, contingent on the change of the closing date, reduce inspection period to 7 days, and they wanted us to use Caliber Home Loans financing. I was again uncomfortable with this " mortgage steering '' activity, but we love the home and did n't want to lose it. Caliber Home Loans interest rate was XXXX % while I was pre-approved at XXXX % with my already secured financing. My realtor sent listing agent a text message advising him that we accepted the changes and he replied stating he would update portals so the bank is aware.
On XXXX/XXXX/2015 at XXXX, I received an email from XXXX XXXX at Caliber Home Loans stating, " Congratulations! I understand that you have an accepted contract on the XXXX property. I would like to schedule a time to talk with you about next steps. When will you be available to talk? " I did not hear back from XXXX after informing him I was available to speak at anytime. At approximately around XXXX, I was then informed by my realtor that there was a mix up and XXXX Caliber Home Loans representatives were working on the file and XXXX offers were simultaneously accepted and that the bank decided to accept other offer.
Not only did we lose the home of our dreams, we have received an additional hard credit inquiry on our credit as a result of the listing agent and his client participating in the forbidden act of " mortgage steering. '' If our offer was accepted, we would have instant equity in the home in the area of {$30000.00}.
Further, Caliber Home Loans fees seem to be relatively high and the least sophisticated consumer would not know any better.
|
| 02/26/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/XXXX XXXX XXXX came to XXXX Florida and we were without power in our home for 11 days. My husband was without work for 3 weeks. My husband is a XXXX XXXX employee in the car business. We called Caliber home loans immediately following the disaster and applied for a 3 month forebenace with the understanding that the payments would be deferred to the end of the loan. The representative advised that we would need to sign the documentation to modify our loan and send it back. I never received the documentations and would call caliber almost every week. When I called at the beginning of XXXX I called to make a payment as usual and they advised that I didnt need to make a payment until XX/XX/XXXX since I was approved for the modification. Keep in mind I havent signed anything yet. On XX/XX/XXXX I called Caliber and told them I still have not recieved the documentations. The Mail came that very same day and finally I received the papers. When I read the documents it stated that it was due on XX/XX/XXXX!!! I literally was on the phone with them and it recorded that I just had recieved it. I quickly went to XXXX XXXX and scanned and emailed the requested documents to Caliber Home loans and I CC my husband on it for his reference. I called back on XX/XX/XXXX just to follow up on the email. They advised that they never received my documents therefore FHA revoked their offer. I was very upset and I felt cheated. Since XX/XX/XXXX I call caliber everyday and one of their representatives ID # XXXX said she sees that the email on the documents was a correct email address but not the correct email for the modification department where all the emails and letters needed to be sent. How was that my FAULT!!!. The representative then told me to send her proof of sent email and the cc to my husband showing receipt of email. I called again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to have the same response each time ( that the offer is still revoked ). On Saturday XX/XX/XXXX I received a letter stating that if I do not come current with my loan I am in lieu of foreclosure. I really need help in this matter. I have XXXX kids and I do not work my husband is the sole provider of this family and we feel that Caliber home loans did not handle our acct fairly.
|
| 09/21/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
I am writing this letter to file a complaint with being forced to refinance my VA loan through you due to an IRRL Seasoning Violation by Caliber Home Loans. I was contacted by the following individual today XX/XX/20 via phone. Please keep in mind, I had not received anything in writing prior to this call that spelled out the issue and he did not seem overjoyed to have to explain Caliber Home Loans XXXX up, and when I asked for this to be sent to me in writing.
XXXX XXXX XXXX XXXX XXXX ) Loan Consultant Caliber Home Loans, Inc. ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX As I questioned him on the call about this, you could tell by his tone he thought I should be happy with this and did not like the questioning. However, I was not pleased with this at all. Not only did he tell me I would have to have a hard hit put on my credit report ( The loan before for the IRRL did not require this ), that I would also have to extend my loan back to 15 years again ( adding 8 months back to my loan ). And above this, I will need to send in all the documentation and paperwork for taking out a new loan all over again, along with having to meet with someone to sign everything in 45-60 days ( who wants to do this with the Coronavirus ). So, you can see my frustration. He made me feel like I was being taken today for someone to get a commission of a new loan. I really hope this is not been the case.
Needless to say, this has left a bad test in my mouth for Caliber Home Loans. After the call, I got out online and read about this topic, so I could be well versed on. I know that all fees for this are to be absorbed by the lender and a cure at no cost to the borrower ( he told me on the call today he would have to check with management to see if Caliber was willing to absorb the cost ). I also have not found anywhere that states a hard inquire has to be done at the borrowers expense and this should be removed from my credit reporting.
For the life of me, I do not know how I was able to refinance the IRRL loan with as many hands in the pot and no one catching this. Especially with the requirements for the seasoning period of either 210 days from the date of the first payment or after the sixth monthly payment ( whichevers longer ).
|
| 04/12/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
This is a new complaint and not a duplicate.
On XX/XX/XXXX Caliber sent me the attached letter and payment history clearly stating that on XX/XX/XXXX I had {$2100.00} ( $ XXXX+ $ XXXX+ {$100.00} ) in my account and they failed to post it as a post-petition payment on my account. This triggered a lift of the automatic stay of my Bankruptcy which has made me incurr in additional Attorney fees and costs, economic and non-economic damages, and punitive damages.
According to the recent XXXX ruling on XX/XX/XXXX in XXXX, Illinois at the XXXX XXXX XXXX United States Court House, XXXX XXXX was awarded {$500000.00} in compensatory damages, {$70000.00} in non-economic damages, {$12000.00} in economic damages and {>= $1,000,000} in punitive damages. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX, XXXX. led the litigation team on behalf of XXXX.
My case is very similar in that in XXXX encountered financial troubles and defaulted on the loan in late XX/XX/XXXX. In early XX/XX/XXXX, XXXX XXXX attempted to foreclose on the property. XXXX filed a Chapter XXXX bankruptcy in order to stop a foreclosure and to catch up on the mortgage arrears on her residence. The plan of reorganization was confirmed by the court and XXXX began to make both her contractual mortgage payments along with her Chapter XXXX plan payments. XXXX 's mortgage loan was serviced by XXXX XXXX XXXX for XXXX XXXX until XXXX XXXX transferred the servicing rights to XXXX in XX/XX/XXXX. XXXX made all of her plan payments through the Chapter XXXX trustee and made every single mortgage payment directly to XXXX XXXX XXXX ( XXXX XXXX ) and subsequently to XXXX once XXXX took over servicing rights.
The jury, after deliberating for approximately 7 hours, determined that XXXX breached its contract, violated RESPA for failing to adequately respond to XXXX 's Qualified Written Request, violated the FDCPA and committed both unfair and deceptive acts in violation of the Illinois Consumer Fraud Act. XXXX XXXX was awarded {$500000.00} in compensatory damages, {$70000.00} in non-economic damages, {$12000.00} in economic damages and {>= $1,000,000} in punitive damages. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX, XXXX. led the litigation team on behalf of XXXX.
|
| 08/18/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
In XXXX, I got behind on my mortgage payments due to a significant decrease of income which started two years before but I was able to stay afloat using my savings. After XXXX failed attempts to modify my loan ( the XXXX time due to insufficient income and the XXXX due to excessive income ), on XXXX, I was finally approved through HAMP, basically with the same information provided originally. The approval documents sent to me showed an increase of {$46000.00} on the principal. Since that moment, I have been, repeatedly, requesting an itemized information on the fees that caused such increase. On XXXX XXXX, I did start the trial period which ended on XXXX XXXX. I have been making my monthly payments for all this time and also continued disputing this {$46000.00}. Only last XXXX, XXXX, The bank sent a list of charges made to my account that included payments to force placed insurance and taxes, a {$35000.00} of unpaid interest as well as a long list of charges that no one have been able to explain. I have proved to the bank that taxes and insurance were paid by me. I considered the unpaid interest to be excessive so I asked for the formula used to calculate the unpaid interest. I have been requesting a review and recalculation of my debt but it seems like there is nobody on the other side. I have also found that more fees have been added to my account for things like drive by inspections performed recently, Corp. Adv. XXXX Gen. ( which no one could explain ), returned check fees which could n't be for I 've paid by phone, including an item described as unknown.
At this point, the different departments involved have not taken any responsibility in clarifying what have they done whit this loan, nevertheless fixing it. It is clear to me that at the time this loan modification was processed, the staff involved did not have appropriate training and knowledge resulting in an unfair treatment to my case. To make things worse, every time I 've called for clarifications on documents sent in response to my questions, XXXX they give me a totally different answer from that in the paper and XXXX, when I refer to the document itself they seem not to have a copy in their records. I do believe their broken system is also negatively affecting this loan.
|
| 06/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Caliber Home Loans XXXX XXXX NMLS # XXXX I ( with my now ex-husband ) applied over two years ago for a mortgage with XXXX XXXX XXXX Caliber Home Loans for a mortgage. I was granted that mortgage loan. I have always paid on time.
Last Friday XXXX, XXXX XXXX of Caliber Home Loans was granted full access of my private ( and supposedly secure ) information by Caliber Home Loans. She " copied '' the file and ran a full tri-merge credit report on me when I neither applied for a loan from her nor gave her authorization to pull my credit. SHe stated in an email that she " accidentally '' pulled my credit when my ex husband called her for mortgage financing. She further insulted me by offering to give me a copy of my credit report! ( which she is not supposed to do according to the law ) She is ruining my credit score and now I need to fix the damage ( If I even can ) that she created by doing a hard inquiry that I DID NOT AUTHORIZE OR REQUEST. I have had a HUGE score lost due to this along with the hours I have already spent looking up all of the laws they have broken by their blatant disregard to do business correctly.
Caliber Home Loans is obligated by law to keep my personal and private information away from the hands of everyone. AND they are obligated to make sure that if they pull someone's credit that they have authorization! Yesterday, XXXX, on a phone call, XXXX XXXX XXXX who claims to be a regional manager at Caliber Home Loans ) stated they grant loan officers access to other loan officers files as commonplace. He laughed when I told him that they didn't have my permission NOR did they have the right to give access to another loan officer that I do not know my personal & private information!!
Yesterday I also called XXXX XXXX XXXX to ask how this can happen and if it happens often with Caliber Home Loans. The woman from the credit department stated that they have had other calls like this one about Caliber Home Loans!! SHe also stated that not all of the credit bureaus will be willing to remove this hard inquiry therefore affecting my credit score for the next 25 MONTHS!
This MUST be STOPPED IMMEDIATELY!!!
I have email conversations where they admit to all of this that I would be happy to forward to anyone who's interested.
|
| 07/12/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
8 years and 3 lenders later still trying to get a loan modification, recently Caliber Home Loans Purchased my loan in XX/XX/XXXX, had to start all over with the loan modification process, I submitted all the documents Caliber asked for, my documents were lost, I submitted additional documents as they asked for. in XX/XX/XXXX i was advised they had a complete file before the deadline to stop the sell of the property, Caliber refused to stop the sell date as I was told the sell date would be stopped. I was forced into BK XXXX to stop the sell date. Within the first 30 days of the BK I submitted another complete package for a loan modification, over the next several months caliber again asked for more documentation to complete the review, I again submitted the required documents, In XX/XX/XXXX Caliber stated they need an additional document, I advised them I was advised by XXXX XXXX from Caliber that document was needed and she checked with the loss mitigation dept, that person in that dept stated I did not need to send that document in, Caliber once again proceeded with another sell date for the end of XX/XX/XXXX, that sell date was stopped once all the dept heads got together and agreed that I was given incorrect information, I provided additional information, after one year after starting the process with Caliber, my loan modification was turned down, Caliber stated the reason was my debt ratio was to low, yes I can afford the monthly payment, however I can not pay the amount past due, from the beginning Caliber stated they had many loan programs in house to help me with the past due amount, I was advised from the Point of Contact person to submit a appeal letter, stating that I can afford my monthly payment but not the past due. On XX/XX/XXXX I submitted an appeal letter to Caliber thru their web site, I called Caliber to verify they had in fact received my appeal letter, I was informed yes it was uploaded and they received it by the dead line to appeal. Now recently I am informed by Caliber there is a sell date on my home for XX/XX/XXXX, I was additionally informed that my appeal was never reviewed, I was advised when I submitted my appeal that no sell date will be placed on the property while my appeal is pending. This is so wrong.
|
| 10/22/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
This complaint is related to ongoing issues I am having to finalizing a loan modification with Caliber Homes Loans, namely their poor communication tactics, and failure to properly receive and process payments. I have previously expressed concern with Caliber 's refusal to allow me to make ACH payments online, due to the fact that a couple checks I have sent them were either lost or stolen, and Caliber failed to inform me of those check 's status. Now I am concerned about losing the loan modification I was asked to make trial payments on, I have been attempting to communicate with them via the provided email ( XXXX ) and emails are frequently ignored, or if responded to are weeks late and do not address my concerns at all. There seems to be some disagreement between myself and Caliber as to the amount and schedule of payments due, and due to the refusal of Caliber to communicate with me or other parties involved, I am concerned about losing my home.
My concerns were referred to the DOJ for mediation ( DOJ XXXX Complaint XXXX XXXX ) through the XXXX XXXX and I indicated I would be interested in participation in mediation with Caliber to reach a mutually beneficial resolution. Caliber failed to respond to this request and it has been considered a refusal to participate. They also frequently ignore a housing counselor at the VA who is trying to assist me, XXXX XXXX. This is an ongoing pattern with Caliber where they ignore people who I have asked for assistance, and it is virtually impossible to get any sort of transparency from them.
I am also concerned by some of the information on Caliber 's website indicating they are a military and veteran friendly lender. I am a XXXX veteran and given the ongoing XXXX issues I have explained above, I find Caliber 's claim on their website that they are a " military friendly brand '' highly deceptive. Quite frankly I feel that Caliber is a predatory lender and their poor treatment of me and refusal to honor my requests for reasonable accommodation quite contradictory to the image they present on their website. I would never have chosen to do business with this company, but they bought my loan. Once I bring my account current, I want nothing more than to refinance with a lender who is trustworthy.
|
| 06/22/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
XX/XX/XXXX started forbearance. Every 3-6 months Caliber Homes offered more months as I was paying escrow at the same time. This I believe lasted 18 months. ( Can not see on my loan because they have locked me out ) XX/XX/XXXX, I submitted online a loss mitigation application ( with email saying it was sent ) and never heard back from them, so I assumed everything was fine with the application. XX/XX/XXXX, received letter stating default amount. ( assuming this was the forbearance they promised to defer to the end of the loan ) Not once have any of us on the loan received a past due notice for anything. XX/XX/XXXX both my husband and I received phone calls and texts from the same person out of XXXX wanting to purchased our home because she saw it was in foreclosure. That is when I reached out to Caliber Homes once again on XX/XX/XXXX to see what was going on, they stated I was past due {$50000.00} and could be reinstated with additional fees. XX/XX/XXXX started a new loss mitigation application and still submitting paperwork back in forth because they will not assist me on filling the paperwork properly the first time. I also have recorded phone calls which prove that they will not assist or work with me. At the beginning of this new application they never ask for a recorded quit claim deed from my dad, but now on XX/XX/XXXX they are requesting it. Me nor my husband have been served any papers yet, which we have always occupied the home from the beginning. They served my dad on XX/XX/XXXX located in a different county right before he was on his way to take my mom for XXXX treatment. They also served my mom as well under unknown spouse. My dad does not want to do the quit claim deed because he can not claim the property if something happens to either myself or my husband. This hurting our credit and well as our business which is our livelihood to afford our home.
All attachment that I include are processed or in process because of necessary corrections in which they will not assist me with. Not one time have we been instructed for any counseling. XX/XX/XXXX they also refused escrow payment or any payment under the {$50000.00}. We can provide all documents and audio recordings. Too many to upload, but below will give you an idea.
|
| 04/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
We are attempting to close on mortgage in XXXX, NC that was slated for XXXX. We flew into XXXX at that time to close but was delayed. Many issues with lender completing timely tasks. Prior to the closing being delayed, it was suggested to pay down certain debts to increase XXXX XXXX. It was suggested to refi truck into husband 's name only to help with XXXX. It was then suggested he be added to the loan but not include his income. I was told in after fact that his credit score increased our rate and we would then have to buy down points. Appraisal with company came back $ XXXX under market value after it was delayed due to lender submission or confusion.. Lender did not send for title clearance in timely fashion due to his error of incorrect email address when typing. It was suggested a rate increase to add my husband and then to buy down almost $ XXXX to have rate that was already locked in at 4.5 %. Attorney was sent the okay to execute close but never got final papers. Delayed closing still. Buyer or we were told to send the {$17000.00} needed to close but not actually closed. Lender was not responsive to our attempts to speak with them. They justified moving to another XXXX without our approval which complicated dynamics more. New XXXX states we are not able to sustain employment out of state and pose as risks. This was after they checked my website and assumed I did not work actively in telehealth. They were corrected and still suggested that I have employees to pay. I have contractors XXXX who are reimbursed for the work they do. It appears things are off and our home with not close without them adding more fees and reconfiguring CDs that were signed to close XX/XX/22. We had due diligence money money of {$11000.00} at risk due lender stalling and switching dynamics suggesting my business is accurate, effective or can sustain in North Carolina. I have active remote work in MO at this time and working to secure NC license with Background check pending. Combined we have {$11000.00} due diligences, {$17.00} closing costs, $ XXXX credit card and $ XXXX for taxes that had to be accounted for to close a loan that never closed. If wanting the entire thread of emails or text, pleas let us know. Thank you. Respectfully, XXXX XXXX
|
| 06/14/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Hello, I received a call from an unknown source with a file number. They left a message today XXXX / XXXX / XXXX . I found out that they even reached out to my father who I do not live with. I called back XXXX and asked to speak with XXXX XXXX , who left me the voicemail. They answered abruptly and asked me for my file number. I gave them File # XXXX and he immediately transferred me to XXXX XXXX . He verified my information. and went right into giving me information on a debt I allegedly owed. One thing that stood out was that he did not state that " this was an attempt to collect a debt, any information obtained may be used for that purpose ''. He stated debt was from XXXX . I stated I did not recall any debt owed from that period of time. He stated I was a defendant as if I was already being sued. He stated creditor was Vericrest Deb t Collectors or something similar. He asked me if I would like to handle this debt otherwise they or Veriquest w ould be moving forward with filing a complaint against me. I advised him regardless of me being owner of this debt or not, that it would be uncollectible due to statute of limitations on consumer debt unde r Fair Debt Collections Pratices Act. As I further went into it stating that this would be a violation on his part, he hung up on me. I was attempting to get the name of their company, his name and ID and their place of business address but was unable to. I called back about 10 minutes later and spoke to the receptionist and asked for the information, but they only wanted the file number. I told them not to transfer me once I gave them the file number XXXX , but as soon as I told them that file number, they transferred me right back to XXXX XXXX . I got his name, place of business and address before ending the call. I believe they are in violation of the FDCPA for trying to collect on a debt older than the 4 year statute. I also believe they are in violation of not stating in the beginning of the call that they are " attempting '' to collect a debt. Please see their information below. Thank you. Name of Company : XXXX XXXX XXXX Name of individual and ID : Place of business address : XXXX XXXX XXXX XXXX XXXX . XXXX XXXX , CA XXXX .
|
| 11/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX I received a respond to my CFPB 's complaint from " Caliber Home Loan 's team '' which evidenced that XXXX XXXX and XXXXXXXX XXXX XXXX is obviously malfunctioning.
This letter contradicts with a previous letter sent to me by XXXX XXXX XXXX XXXX XXXX XXXX XXXX * on XX/XX/XXXX informing that Caliber became my new " Servicer '' for undisclosed to me parties. The Mailer ID for this letter was disclosed to me by USPS via my FOIA request, so its really XXXX for XXXX XXXX and XXXX to pretend that this letter was prepared and mailed by Caliber while I know who really prepared and mailed it, confirmed by official sources.
According to XX/XX/XXXX XXXX to my non-endorsed Note the holder of this XXXX is Caliber Home Loan, as well as undated XXXX provided to me on XX/XX/XXXX by lawyer XXXX from XXXXXXXX XXXX XXXX
According to undated and unsigned letter from " XXXX XXXX XXXX '' said that this " servicing transfer '' was on XX/XX/XXXX.
According to " Caliber '' 's letter on XX/XX/XXXX, " Caliber '' became " servicer '' of my alleged " loan on .... XX/XX/XXXX, again, for undisclosed parties.
According to XX/XX/XXXX XXXX to my non-endorsed Note the holder of this XXXX is Caliber Home Loan.
Its unclear to me whose payments, credits, charges and advances Caliber " processed '' while " servicing '' some " loan '' for someone who was never identified to me.
All my money were collected from a XXXX XXXX XXXX XXXX TX and processed by XXXX XXXX XXXX XXXX ' branch XXXX for unknown to me parties It also unclear to me who " released servicing rights '' from Caliber and who transferred it to XXXX.
XXXX want me to believe that " servicing rights '' can release themselves on its own, without any authority or human involvements.
None of these letters are coming from XXXX, Caliber or XXXX and none of them are authorized by XXXX, Caliber or XXXX.
Even " Loan numbers '' do not match.
I demand disclosures who was my Creditor between XX/XX/XXXX to XX/XX/XXXX who owned account receivable for my alleged loan ; who appointed Caliber as a Servicer for my alleged loan and when and where exactly this appointment took place.
I demand disclosures who authorized transfer of servicing from Caliber to XXXX
|
| 12/30/2015 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
I have an old complaint number of XXXX submitted XXXX/XXXX/XXXX and I have a new complaint number of XXXX filed XX/XX/XXXX. " THIS IS PART OF THE DISPUTE " On or around XXXX/XXXX/XXXX received package of information via XXXX. However the only newly requested document in the package was a Certificate of Incumbency for XXXX XXXX. The other names in a Request for Information letter sent dated XXXX/XXXX/XXXX, a Certificated of Incumbency / Corporate Resolution Authorizations / Power of Attorney for court case # XXXX in the County of XXXX N.C. was not sent. Also, XXXX XXXX was not an Employee or Rep. for XXXX XXXX XXXX of North Carolina or XXXX XXXX XXXX at the time of this transfer and Assignment Of Deed of Trust on XX/XX/XXXX ( see enclosed ). At that time according to Resolution Of The Board Of Directors Of Vericrest Financial , Inc. A/K/A Caliber Homes Loans, Inc. XXXX XXXX XXXX was an employee of XXXX. XXXX XXXX ( see enclosed ). Therefore XXXX XXXX XXXX was still not an employee or rep. of XXXX or XXXX, So as a consumer I am still trying to understand how this transfer on new assignment of deed of trust was done " Legally ", ( see enclosed ). I have also enclosed a copy of what I am not sure that my name and address appears on, this is the only other document that was sent by Caliber that might could be an Cert. of Incumbency ( see enclosed ). At this time I am also enclosing lawsuit that I have removed myself from but still remain in the settlement class ( see enclosed ). I have also enclosed a copy of first QWR dated XXXX/XXXX/XXXX the last page. At this Point I as the consumer really would like to see how all of these transfers and filing of documents was done legally but at this time there seem to be a missing link??? Maybe If we can get the transfer paperwork referred to in your last letter dated XXXX/XXXX/XXXX in the " Previous Correspondence '' section page XXXX, which states that " My Loan Was Transferred From XXXX XXXX , XXXX to XXXX Master Participation Trust and then from the Trust to XXXX XXXX, XXXX. as Trustee for XXXX ( see enclosed ). I am also enclosing a letter from XXXX XXXX giving Caliber Homes the Authority to dispose of these matters as it concerns XXXX XXXX XXXX , XXXX, NC XXXX.
|
| 08/09/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
On XX/XX/XXXX XXXX XXXX took over my mortgage from XXXX XXXX. I had try to re-modify my loan with XXXX XXXX and XXXX and both broke there contract with me. On XXXX XXXX I went to court against XXXX and agreed on a deed in lieu foreclosure. I had agreed to XXXX dollars and 90 days to vacate. When XXXX found out in XX/XX/XXXX I was granted sole ownership of the home in a divorce settlement and my former wife 's name was on the note that said she had to sign a quick claim deed, I stated I didn't know where she lived- plus for 1 year starting in XX/XX/XXXX during our separation the money I gave her weekly to pay XXXX bank the mortgage. She didn't for 1 whole year and the house went into foreclosure without me being notified because she didn't want me to get the home. When a foreclosure sale date of XX/XX/XXXX was set, XXXX was caught lying to me saying that now she didn't have to sign anything. I called HUD and made a complaint and the sale was canceled. I have been waiting for a hearing to get XXXX, I am XXXX. In XX/XX/XXXX they transferred my mortgage to Caliber homes. I explained my long dispute and should be getting XXXX within 6 months. In XX/XX/XXXX XXXX. sold my loan to XXXX XXXX XXXX .They called for a auction sale XX/XX/XXXX I received notice in the mail XX/XX/XXXX.I called and talked with Caliber and they sent me forbearance paperwork. The same day someone else from Caliber called and denied me-without explanation. I I have a hearing for my XXXX on XX/XX/XXXX and the bank or mortgage company will not allow any more time for me to get my money and re-modify my home loan of 23 years.I worked at XXXX XXXX XXXX XXXX in XXXX XXXX, Maine for 26 yrs. I became XXXX in XXXX. I was married XXXX yrs this bitter devastating divorce put this whole thing in motion. They want to sell asap because they know they will make a bundle off my misfortune. they all lied, broke contracts and was severely penalized by our government for these illegal business practices and are still doing it, I worked my whole life for this home and they just want another quick buck. I love my home and my land, I am grateful for any help in holding them back for just a month longer to re modify. Sincerely, XXXX XXXX
|
| 03/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
On XX/XX/XXXX, I applied for a re-finance mortgage with my mortgage company Caliber Home Loans located in XXXX California, loan officer XXXX XXXX. My regular mortgage is at 4.125 % ( fixed over 30 years XXXX, and he told me I could re-finance at a lower rate of 3.25 % so my monthly payments would decrease about $ XXXX. About XX/XX/XXXX, I talked to a credit card company about re-adjusting my payments due to Covid-19 hardship. They agreed, however, they did not process the change properly, and as a result, my credit rating went down. They acknowledged the mistake, and corrected it. XXXX told me as soon as my rating was corrected, the re-finance loan would go through. He said it was corrected, however, it has now been almost 8 months, and I am still waiting to get the re-finance loan finalized. The problem is that my hours at work have decreased substantially, and the saving of $ XXXX with a lower mortgage rate would have helped tremendously. In the meantime. XX/XX/XXXX, my mortgage increased by over $ XXXX/month. Also, in the meantime, mortgage rates have dropped. I received a letter from XXXX back in XXXX explaining that due to Covid, things are moving slow and that it would take another 45 days for the loan to be finalized. Here it is XX/XX/XXXX, and still nothing. I've sent emails and made phone calls to XXXX almost weekly, and he will not return my calls or emails, except to say he is working on it. I don't trust this company now, and an very upset that I am losing money to them every month. He won't tell me where the loan is being held up, and I have asked repeatedly for detailed time-lines as to the progress of this re-finance loan. It has been almost 8 months now, and with my job issues due to Covid, I am getting more into debt, my credit rating is dropping, and I'm worried I won't be able to make mortgage payments in the coming months. I am feeling extremely stuck and frustrated, because I could have applied ( and did XXXX to other companies and had this settled, however, XXXX promised me staying with Caliber would cost less, and he could save me more money. With less employment and a lower credit rating, there's a good chance I now would not qualify for any other companies.
|
| 05/24/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I took out a home loan in 2004 with XXXX XXXX DBA XXXX. CALIBER HOME LOANS now claims to be servicing my loan. I have sent this is a Qualified Written Request ( QWR ) to TRUSTEE CORPS and CALIBER HOME LOANS to validate the following and they have still not replied : 1. ) Evidence of actual possession of the note by the alleged Trust.
2. ) XXXX XXXX does not have authority to foreclose since we do not know who the owner of the Note truly is.
3. ) CALIBER HOME LOANS is merely a servicer and does not possess the Note and has no enforcement rights, nor ability to foreclose.
4. ) XXXX has sent us the attached document showing different amounts due and is claiming to be conducting this unlawfull foreclosure.
5. ) In order for you to institute a valid foreclosure proceeding, you must be able to establish compliance with CCC 3-301, at commencement of the foreclosure proceeding, the recording of the notice of default was 2 years ago and wrong.
6. ) The most basic requirements of CCC 3-301 ( a ) or CCC 3-301 ( b ) have not been met : 7. ) 3-301 ( a ), Holder of the instrument : The previous entity that filed the Notice of Default and subsequent actions was not the Holder of the Note the entire time.
8. ) We now challenge transfer and possession, and under California law, there are two requirements for a person to qualify as a Holder : ( a ) ACTUAL POSSESSION : We need to know who is the company/person with actual physical possession of the instrument, and ( b ) TRANSFER BY ENDORSEMENT : the instrument is not payable to that person where the transferor must indorse the instrument to make it payable to the transferee ( See CComC 1201 ( 20 ) ; CComC 3205 ( a ) ;.
9. ) We now demand inspection of the original note.
10. ) We now demand proof that possession existed when the Notice of Default was entered.
11. ) We now question the endorsement and negotiability since it was not proper and timely.
12. ) We do not know when the note was endorsed?
13. ) Who was it endorsed to?
14. ) Is there an agency relationship between the foreclosing agent and endorsee?
15. ) Is there a purchase and sale agreement that gives Holder rights, and did it exist prior to the Notice of Default?
|
| 06/21/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
In XXXX, I encountered financial hardship and attempted to modify my mortgage through XXXX XXXX XXXX. There was a trial, then permanent modification which I also fell behind on. I started an attempt at another modification in late XXXX XXXX. At the end of XXXX XXXX, I received notification that they received my documentation and I should have an answer within 30 days. Before that time was up, I received a letter from XXXX stating that they had sold my mortgage to Caliber home loans. This letter also stated that if I was in the process of attempting a modification, they would forward all documentation to Caliber for them to complete the process. Around the same time, I received a similar letter from Caliber stating that they had taken over my mortgage, but no mention of the pending modification. XXXX or XXXX of XXXX was the last time that I received a mortgage statement and I never received any notification of the outcome of the modification. Caliber simply continued the foreclosure efforts that XXXX had started. I have never received a periodic statement from them, loss mitigation options, or a single point of contact. The only " loss mitigation option '' I was ever sent was a generic sales-like flier saying that I could potentially be eligible for a deed-in-lieu of foreclosure. In XXXX XXXX, I attempted another modification through an attorney. Through this I obtained single point of contact information and was able to sign onto my portal through Caliber. On the portal, there are also no periodic statements listed under my statements. I received notification today telling me that my modification has been denied, and that I am " not eligible for alternatives to foreclosure.
Caliber has not acted in good faith on any level in the servicing of my loan. From the time they took it over, they have only moved forward with foreclosure. They have made no attempts to assist me in retaining or curing my default. They have not even bothered with monthly statements because they have no intention on properly servicing the loan. I even received a communication from them recently with my account number very clearly labeled and exposed through the clear address window on the envelope.
|
| 09/18/2018 |
Yes |
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a customer of Caliber and have been for XXXX XXXX years. I need to express my disappointment and reach out to you regarding an issue I am hoping you can correct.
We purchased a home back in XXXX of XXXX. We applied and were approved for a 30 year mortgage. 5 days before we closed we received a call to let us know our score dropped due to the consultant pulling out credit too many times. XXXX to be exact and needed to come up with XXXX or go to a 15 year mortgage to be approved.
We accepted the 15 year and have been making payments on time ever since. Recently we ran into some medical issues for our son and contractor issues. Because the payment has us on a pretty tight budget we wanted to see what Caliber could do for us. They suggested we apply for a forbearance. We were approved for 6 months and a lower payment. The paperwork was confusing so we called to find out what this would do to our credit. We have a stellar payment history and did not want this to affect it.
We were told by several associates that it would show up as a forbearance not a XX/XX/XXXX etc day late. We were told it would not impact our credit that way. We decided to do it. Made our first payment and were reported 30 days late.
We have acquired the money to get caught up and we are canceling our forbearance and paying the balance this week. I want caliber to remove this 30 day late due to the incorrect information given to us by your staff. We would have never entered into this agreement if we were given correct info.
XXXX ID XXXX was one of the reps we spoke to last Wed.
We also had a recent issue with our XXXX fees not getting paid. We have been chasing caliber since XXXX. We have XXXX late fees with our XXXX company. We finally received a letter saying it was paid. The amount of {$48000.00}. Our HoA fees are {$180.00} a year!! They paid someone elses bill out of our escrow. Im furious.
Im so disappointed in this company. There seems to be issue after issue.
I want this late removed!!!
I have emailed and Am waiting on calls back from supervisors in customer service but they never respond.
Caliber is an unethical and not looking out looking out for their customers best interests.
|
| 05/10/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
My house has an FHA loan through Caliber Home Loans. I have been trying to get reviewed for homeowner help programs for many months but Caliber has never completed this review. Every time I call in I talk to someone different. When I send in the paperwork they always lose or misplace it. When I ask to talk with a XXXX speaker I get put on hold and don't get anyone to help me. I am frustrated and now have a sale date on XX/XX/XXXX. I had a temporary hardship but now want to fix this problem and begin making payments again. Caliber has not given me access to the government programs that are set up to help homeowners in my situation like modification and forbearance and others. They are supposed to help me and let me have an account manager who speaks XXXX and review my financial information but they have not done this.
I bought this home about 2 and a half years ago with an FHA loan through XXXX XXXX XXXX that was immediately transferred to Caliber by the time of the first payment. I had a good full time job working in a XXXX when I buy the home along with my wife and adult daughter who live here with me. I had problems when I got laid off from my job in the summer of XX/XX/XXXX I could not keep up and began missing mortgage payments. I did side jobs and XXXX jobs to feed my family but could not find full time work for several months. I tried applying as soon as I went late and sent all of the paperwork in to Caliber but nothing ever happened. I would send in all of the papers but then be told that something was missing so I would have to send that in and this happened over and over and then they would break off contact and then I would have to start over. I never had a dedicated point of contact, it was someone different every time. I had requested to work with a XXXX speaker since that was my native language but that was literally impossible for Caliber to do for me.
I am now working full time doing XXXX and XXXX and in a better place and able to afford a fair mortgage payment. The problem is that Caliber gives me the false statements and ignores my requests for help. Instead of doing a review of my financial information they set me for foreclosure sale.
|
| 03/05/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I am coming out of forbearance and I am attempting to secure a loan modification. This company, Caliber Home Loans, has been an absolute nightmare to deal with, and I have already filed multiple complaints regarding their communication tactics, lack of accessibility for XXXX persons, and outright harassment. The subject of this complaint is their refusal of my first " trial payment '' for my loan modification.
I received letter from Caliber that my loss mitigation loan modification had been approved. In order to secure the modification would need to make three trial mortgage payments, which would be due on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There was also an escrow overage payment, I included a separate check to pay that as a one time payment. I was pleased with the terms of the modification, and sent an email to Caliber to ask how to submit a payment online. XXXX XXXX, a " Single Point of Contact Specialist III '' at Caliber replied that I could not submit a payment online until the loan modification was complete. I thought this was strange, but mailed two checks dated for XX/XX/XXXX, the due date for the first payment ; one the first trial payment, and another for the escrow shortage.
Today ( XX/XX/XXXX ), I received another letter from Caliber. It said that they were refusing payment because the checks were post dated. It also contained the two checks I had sent them. It also contained a boilerplate response to " call us if you have questions '', but no other information. Per my previous communications with Caliber, I can not and will not speak on the phone with them, so this just added another layer of frustration. I had also emailed them several times between mailing the check and receiving them back to see if there were any issues that needed to be addressed, and never received a response.
This lack of customer service from Caliber has yet again caused me another hardship. I am trying to deal with them in good faith, but Caliber and its employees are continuing to be unreasonable. I really do want to get this loan resolved and current, but I do not feel that Caliber Home Loans is willing to work with me and is just nitpicking to be difficult.
|
| 08/31/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
First, thank you for your assistance.
Last fall we were victims of the two hurricanes that struck the XXXX and sustained substantial damage to our home, requiring us to relocate for seven months. At the onset of this disaster I contacted my mortgage company to discuss financial options. I was told that due to the calamity that we could be placed in a forbearance to allow additional resources to be committed to our recovery. I was also assured that the payments that would be deferred would not simply become due all at the end of the forbearance, as I specifically asked the question during this discussion. Had I been told that modifying the loan to add deferred payments to the end of the agreement was only an option and or that it was possible that I may have to pay all deferred payments back as a lump sum, I would have declined this offer in lieu of continuation of my monthly mortgage. Subsequently at the end of the forbearance period I resumed my monthly payments and have not missed any. I submitted an application for modification of my mortgage agreement and have had to submit multiple documents for this package to be termed complete. Several time I had been told it was completed only to then get another request for more information. I am still awaiting the determination of the application and now have been placed in a foreclosure status with the deferred payments being referred to as delinquent. I vehemently disagree with this terminology and foreclosure status as I have not MISSED any mortgage payments! I have been called by my personal lawyer stating that he has noticed a listing of my house being in foreclosure status in the public record. So now, not only is this inaccurate description of my account distasteful but publicly disgraceful. The effects on my credit are an issue of concern as well! All of this is compounded by the unavailability of anyone in the supervisory role of my account to even discuss this issue, despite my requests to speak to such party. I have followed all of the instructions that I have been given in the aftermath of what should have been the disaster, this financial wake is proving to be even more burdensome than the storms.
|
| 08/29/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
when I found out that the loan for my mortgage was in the wrong name, I contacted the XXXX, the mortgage company at that time. They did nothing. I sought legal advice to have it removed. I was told that I had to refinance my house, if I wanted it out of that persons name. XXXX told me they did n't do refinancing or modification. I contacted other companies for modification but unfortunately I was XXXX mailed by the person whose name was in the loan. He requested money to sign the paperwork. After I paid him the money, he left town. This caused my house to foreclose. XXXX then transferred my loan ( with the same fraudulent paperwork XXXX to XXXX home loan. I spoke to XXXX today, XXXX/XXXX/XXXX, for the XXXX time, about the fraudulent name and documents. According to XXXX, there is no paperwork with my name on it. Now that my house is in foreclosure, and I 'm not able to do any transaction or ask any question, unless I give them the info for that criminal that they have all over my paperwork, I have no choice but to report this fraudulent act to the government. I had to declare bankrupt, just to save my house, as I 'm the rightful owner.
I 'm trying to settle this matter without filing a civil suit, as I 've exhausted all my financial resources. The owner of the loan is XXXX Master Participation XXXX. They are predators, who preyed on innocent people like myself. They falsified the paperwork when I did my refinancing in XXXX, removed me as owner of my house, while they collected money from me for the mortgage. I was not able to enquire about my property, without giving them the info of the criminal that they used to XXXX side me. I brought this man to the settlement at the time of closing in XXXX XXXX, based on what they told me. I never knew that they would put my house in his name. This was a scam and fraud, but I never knew it then. It was n't until XXXX, when I refinanced the house, that I realized that I was scammed! I had no choice but to include the scammer in the refinance process. That 's how XXXX, had it set up. XXXX, kept transferring me from XXXX servicer to another. Finally they sent my paperwork to XXXX, whose plan is to take away my house.
|
| 11/06/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I had a forbearance agreement with Caliber mortgage and have met the terms and condition as required in the forebearance agreement. The first payment due on XX/XX/20 was made to Caliber. The next day, caliber sold the mortgage on XXXX to XXXX XXXX. The forbearance agreement was also transferred and accepted by the new lender XXXX XXXX. I made payments on XXXX and XXXX to the new lender and was removed from forbearance. I applied for a construction loan with XXXX XXXX XXXX ( XXXX ). XXXX discovered that the XXXX payment had been reported as late to the credit bureaus for both me and my wife. To address this error I was told to contact Caliber and request a letter stating that I had made the XXXX payment on time. I spoke 3 times with caliber customer service representatives. Each time the rep stated that Caliber would not provide the letter. I spoke with the manager on the 3rd call and she was very confused about the agreement as she insisted that I was not in forbearance at the time of the payment. I referred her to the agreement and asked to speak to her boss and that person was on another call and was told that I would be contacted once they got off the call. I never received that call. The Payment date Is in Calibers system as being paid on the XXXX. The payment was also reported to the new lender XXXX XXXX as being paid on the XXXX. The rep insists that the payment made was for XXXX which is when the the foreberance period began. Isnt that amazing? That is what the agreement required. The agreement stated that the first payment needed to be made by the XXXX starting on XXXX which was done. The next two payments were made to XXXX XXXX the new lender. This is in violation of the terms of the agreement. The XXXX payment should not have been reported. No other month within the forbearance period was reported as late. XXXX was the only one which lends credence to my claim that I was in forbearance and the reporting was in violation of the agreement. I can be contacted at XXXX. This violation has caused me harm and I may have to litigate through the legal system if you are unsuccessful. If you would like a copy of the agreement I can email it to you.
|
| 10/07/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
In the XX/XX/XXXX Caliber Home Loans bought my loan from XXXX, my husband had lost his job, we were in the middle of a modification, Caliber granted that in XXXX of XXXX. We made three or four payments, I had to miss work due to an illness, my husband was ill and therefore we got behind on our mortgage. I applied for a modification on XXXX XXXX, XXXX, the rep told me it would n't be a problem, well, this is when the nightmare began, they denied it saying we did n't have a hardship, they had already given us a mod this year, and we did n't have enough income, they had his income down wrong. The rep also told me not to make a payment in XXXX. By this time I am behind 4 months, I had received a breach letter, it was due to expire in two days, they set me up on a payment plan for {$3200.00} down and {$2700.00} a month for two months after that, they told me they do n't stretch it out for six months. I was approved for that plan, I called back, a lady told me you do n't have to do that plan, appeal the modification they denied, and I will take a payment over the phone on the XXXX of XXXX, I got a card in the mail that said they were taking out a payment, I had already sent a check, I had to stop payment on the check, so they did receive a payment in XXXX, I called back in XXXX, now they 're telling me they denied the appeal, they ca n't take one regular payment because the breach letter expired on XXXX XXXX, I have been turned down for any type of repayment plan because I make too much money or not enough, I applied again for a modification, I was turned down again, they keep wanting paycheck stubs, I send that, then they want me to sign them. It goes on and on, I am writing to you because I saw in your letter they have to give you six months to stretch out the loan, if that 's the case why ca n't they take what I owe and divide it by six??? They keep threatening foreclosure, they wo n't give me modification, the down payment is very high, but they tell me they do n't want the house. I am XXXX years old and have been a XXXX for 34 years, will someone please stop these people and help me get a modification or a payment plan where I can keep my house!
|
| 04/16/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
XXXX sold my mortgage to Caliber right when we were almost done with it. my home was set for auction XXXX XXXX caliber took it over XXXX XXXX XXXX had requested a postponement but it did n't go thru before the change, no one at caliber could help me, since i was n't in their system yet. I was in a state of sheer panic. i was going to lose my home because i was n't in the system???? I called everyone, i talked to supervisors, managers at caliber to no avail. i finally called XXXX who had done everything right for me. i finally got the foreclosure attorneys contact from XXXX. i called them, they had chases request but since caliber now held it they needed it from them. i begged, pleaded and threatened a law suit. nothing. the friday before the sale i did n't know if i was losing my home or what was happening. i had been contacting Caliber daily, same results, nothing. in desperation i called the foreclosure attorneys again. the girl i had spoken with preciously had put a postponement request in new date XXXX XXXX, XXXX XXXX weeks from today. Finally on XXXX XXXX Caliber had my information. I spoke with a lady explained for the XXXX time my situation. she walked me thru to where the loan modification papers were on their website they needed to have them within XXXX days of the sale. Wednesday, XXXX XXXX 2015 I emailed the documents, I requested they request a postponement so we could take care of this, and I requested receipt of documents, not surprisingly, i received nothing. i had explained that i am currently without a phone and need email communication. On Friday XXXX XXXX I again requested affirmation of receipt of documents, again nothing. This week I have sent thru their website XXXX times for help. I have heard nothing and my home is set for sale in XXXX weeks. I am XXXX and not in great health and my husband is XXXX from a XXXX. My grandkids also love here with me. i ca n't pack everything up and find out it was for naught ( much less the confusion to my husband and grandkids ) at this point I have no idea what to do. HELP ME PLEASE PLEASE right now i can only be contacted via email, but my phone should be back on soon that number is XXXX
|
| 04/09/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
This is regarding COVID-19 I contacted Caliber Mortgage online and filled out their form for help during this time because of issues regarding Covid-19. They sent me a letter that seemed to want to deter me from this process. Threatening an increase in interest : " Please note : If you request a Loan Modification at the end of your Forbearance Plan, in some cases interest rates will increase " And worse yet should I not make my payments for the 3 month period as the Federal Government has made a provision for the 3 months plus XXXX ( so 4 months ) will be due on XX/XX/XXXX and then I will be in default and get foreclosed.
This is not a benefit to consumers that are short money NOW and that money will not be created out of thin air in 3 months given that the government will not let us go to work!
The government has told our tenants that we can't foreclose on them so when this is over they will just not have the money to pay us all the accrued rent that's past due and will be evicted and that money will never be seen again.
I need a REAL SOLUTION. I need these payments put on the back of my mortgage without threatening me for higher interest rates.
The Federal and my State government doesn't seem interested in ending this SHUT DOWN of AMERICA so we can't even work and earn a living. Caliber thinks that somehow, someday when we are allowed to leave our homes and get back to work that our pockets will fill up with past due income? IT WILL NOT.
tHEY SHOULD BE OFFERING 6 MONTHS NOT THREE AND THIS SHOULD BE PUT ON THE BACK OF MY LOAN NOW. I LOSE ENOUGH SLEEP OVER THIS MESS I DID NOT CAUSE. I CAN'T EVEN SLEEP AT NIGHT AND THEN I GET THIS THREAT LETTER FROM CALIBER - AND I'VE NEVER MISSED A PAYMENT!
" All suspended payments will be due on XX/XX/2020. '' " The total amount of payments temporarily suspended by this Forbearance Plan are immediately due and payable at the end of the Forbearance Plan. '' This is not a good deal. I'll lose my house because of the government locking me in my house. I TAKE CARE OF MY MOTHER WHO HAS XXXX AND NEEDS 24/7 CARE AND I CAN'T RISK BEING EXPOSED TO COVID-19. I DON'T WANT TO LOSE MY HOME OVER THIS PANDEMIC.
|
| 10/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Lien release
|
|
Web |
|
|
I had a mortgage loan with Caliber Home Loans for my primary home a few years ago. The experience with the mortgage company was the worst I have had and was riddled with unprofessional customer service and deceptive claims, including a guarantee to refinance my loan at a lower rate, only to then be immediately denied denied after verbal and written assurances by the company.
I ultimately, and thankfully, refinanced my loan with a different mortgage company in XXXX of XXXX. I received, and have, documentation, that my loan was paid in full with a payoff date of XX/XX/2020.
They did not refund me my last mortgage payment, which went through after the loan was paid off by the new mortgage company, despite my calling and spending hours on the phone telling them that there was an overpayment due to their charging me the last mortgage payment after the payoff.
A few months ago, I received a letter saying the overpayment checks have not been cashed ( because I never received them ) and I had to complete 2 forms stating that the amount is still owed and I want a replacement check. Both forms were sent five months ago ( attached in documentation ) and I still have not received the {$1500.00} check in overpayment, which is LESS than my original overpayment amount that I disputed with them in XXXX, which was over {$3000.00}.
To add insult to injury, I have received 3 letters ( one which was sent by certified mail ) stating that my mortgage payments to Caliber Home Loans ( who I have not had a loan with since XXXX of XXXX ) are delinquent and my home may be foreclosed.
The letters were received last week and this week ( included in attached documents with dates included ).
The bottom of one of the letters states it is an attempt to collect a debt.
They also sent me a loss mitigation application.
This company has been utterly unprofessional, inept, deceptive and failed to refund me my mortgage overpayments despite multiple attempts ( by both phone and letter ) throughout my home 's unfortunate but short lived tenure with them and now they are threatening foreclosure on my home for a loan that has been paid in full ( overpaid ) for three years.
|
| 12/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
I applied through a broker for a refinance of an existing mortgage on XX/XX/2020. The broker submitted an application to Caliber Home Loans , Inc., ID XXXX. XXXX # XXXX.
I received notice of tentative approval with additional information requested. I supplied all the information that was asked for. I again received an approval acknowledgement. After about a month with no additional information about a closing date, I asked my broker to inquire why there was a delay and why I was not provided a closing date estimate. I was then informed that the loan was not approved and I would have to apply for an " investment '' type loan, even though I had provided evidence that the property was no longer being rented out, but a second home which I was currently occupying. I was charged a {$30.00} " pay off fee '' based on an inquiry by Caliber Home Loans to my current mortgage holder, as well as a {$70.00} fee for an XXXX umbrella insurance policy certificate. I also was charged {$500.00} for an appraisal, which now may be stale and useless for an alternative application.
In summary my complaint is that Caliber Home Loans approved my application then delayed the final approval of my loan. They then required additional expenses on my part and then after my complaint about their delay, rejected my application. I meet all their requirements for approval and they stated such, then at the XXXX hour rejected my application. There were no changes in my application 's worthiness, they simply changed the rules.
I have an exceptional credit score ; adequate income ; more than 50 % equity in the property being refinance ; and a more than adequate net worth - more than 13 times the amount of the requested loan.
Caliber Home Loans has caused me needless expenses and considerable effort. They changed the rules at the last minute and have provided no explanations for their actions. I am requesting reimbursement for all fees that were incurred by myself as a result of requirements of Caliber Home Loans, Inc. Their deceptive actions with my application have resulted in unnecessary expense, effort, and loss of opportunity in refinancing my real property.
|
| 04/04/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
1. I received from XXXX XXXX XXXX XXXX ( who is the servicer for XXXX the investor of the loan on my house ) " Trial Period Plan Notice '' for loan modification on my home ( Homestead ) See exhibit " A ''. I made the first two months payments on time to XXXX XXXX.
2. On XXXX XXXX, XXXX and approval letter from XXXX for the loan modification with set terms sent to XXXX XXXX and copy was sent to me by XXXX XXXX ( see exhibit " B '' ).
3. On XXXX XXXX, XXXX I received letter from XXXX XXXX stating that " XXXX '' the investor of my home loan has changed the servicer of my loan to " Caliber Home Loans '' and stated in paragraph XXXX other things : " Rest assured, this does not affect any terms or conditions of your mortgage '' ( See exhibit " C '' ), and advised me to continue making the payments to " Caliber Home Loans '', I made my third month of the trial period on time to " Caliber Home Loans '' and expected Caliber Home Loans to complete the loan modification on my house.
4. Caliber Home Loans changed the terms of the loan modification which was approved by " XXXX '' to Unfavorable Terms. See exhibit " D ''.
5. The Home Owner rejected Caliber Hom Loans the new terms because of the deviation from the approved and committed terms of XXXX and was assured by XXXX XXXX there will be no change to the terms or condition of my approved loan modification. See exhibit " E '' and urged Caliber Home to stick to the approved terms.
6. Home owner received letter from Caliber Home Loans dated XXXX XXXX, XXXX that the loan is deliquent of {$59000.00}. See exhibit " F ''. HOME OWNER WOULD LIKE TO CONFIRMS THAT THE SAME MONTHLY PAYMENT CONTINUED TO BE MADE CURENT AS OF TODAY 'S DATE.
7. The Home Owner filed FRAUD MORTGAGE complaint to the State of Nevada Office of the Attorney General on XXXX XXXX, XXXX. See exhibit " G '' 7. Home Owner forwarded to Caliber Home Loans copy of the filed complaint with Attorney General and urged Caliber Home Loans to honor the committed and approved loan modification terms.See exhibit " H ''.
8. Home Owner received mail from Caliber Home Loans dated XXXX XXXX, XXXX denying the loan modification. See exhibit " I ''
|
| 09/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I was told I could remove mortgage insurance from Caliber Home Loans on my property at XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX, XXXX XXXX after having met the following criteria : - Your loan to value ratio must not exceed 80 %.
- Your loan must have no significant recent delinquency - Occupancy requirements have been met After meeting the above requirements, I applied to remove PMI on XX/XX/XXXX and paid the requested {$150.00} fee. The mortgage company cashed my check on XX/XX/XXXX, then sent me a letter on XX/XX/XXXX stating they were unable to approve my request to remove PMI due to not having paid the {$150.00} fee. I have since been on the phone several times without success in reaching anyone who is able to assist me. Instead I am transferred from one person to the next for over 2 hours on 3 different days and 3 different attempts.
My loan to value ratio is well under 80 %. My current remaining balance is {$190000.00}. The most recent similar homes have sold as follows : - XX/XX/XXXX {$450000.00} ; XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX, XXXX XXXX - XX/XX/XXXX {$360000.00} ; XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX, XXXX XXXX - XX/XX/XXXX {$280000.00} ; XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX, XXXX XXXX - XX/XX/XXXX {$290000.00} ; XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX, XXXX XXXX However, Caliber mortgage company has also listed on my account online : " Currently your LTV is 80.76 % ''. I'm not sure how they came up with this number. There is no data to support it. And they never informed me of this belief in a letter following my request for PMI removal. In addition, the highest LTV I calculate based upon the REAL data is 69.62 %. Given these properties I listed that have sold in the same building as my property, I am not sure how anyone can argue this number.
It is also worth noting that I had my loan in forbearance due to the COVID 19 pandemic and was not able to make payments for several months. I have since resumed payments. Mortgage payments missed or underpaid as part of a deferral or forbearance arrangement are not technically delinquencies according to the Coronavirus Relief, and Economic Security Act ( CARES Act ).
|
| 02/21/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I asked for covid-related forebearance for my FHA mortgage XXXX XX/XX/XXXX. This was extended in XX/XX/XXXX, XX/XX/XXXX, and and XX/XX/XXXX. In XXXX I contacted Caliber Home Loans to understand my options. I asked if further extension was an option, and they said I would need to apply. I said no thanks, and on XX/XX/XXXX asked to have a Partial Claim agreement sent to me for the subordinate debt. I never received that document. I have called and used their portal to ask about the status and they have said it's still in process. Last Thursday I got a voice mail from Caliber and called them back today. The rep said the document was sent XX/XX/XXXX and since they never heard back from me I'd have to make two mortgage payments to enable the partial claim. I said no ; I never received that document ( they told me it was sent regular mail ), and I never heard from them about it. The rep said there's nothing she can do so I asked to speak to a supervisor. The supervisor told me the document was sent XX/XX/XXXX ( not XX/XX/XXXX ) and that since I never replied the partial claim is " closed ''. She said they called three times across XXXX and XXXX ; I don't have any voicemails from them. I have diligently returned all of their calls during the forebearance and through the partial claim discussion, why would I ignore them now? I then asked the supervisor to walk through the timeline ; she said the docs were prepped in early XXXX and sent XX/XX/XXXX, meeting the 30 day requirement. I said that's almost 60 days ; at that point she said, there's nothing she can do to " re-open '' the partial claim ( even though the rep said she'd be able to with two mortgage payments ) and I should file a complaint if I want to.
I am very concerned about the knowledge and professionalism that was demonstrated during my calls with Caliber today. I believe there have been a number of mistakes made throughout this process that have had a negative impact on me as a consumer. How is an important document sent via regular mail? How did Caliber miss the 30 day window by almost a month? How does Caliber only make three follow-up calls ( which I have no record of )?
|
| 11/09/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Was notified XX/XX/XXXX ( XXXX ) that additional funds were to be provided by me to close escrow in 2 hours or seller was walking. Additional funds included a duplicate payment for flood insurance ( {$520.00} ) and a " Lender required payment '' for a credit card balance that showed up on my credit report dated XX/XX/XXXX which included XXXX credit information ( {$1800.00} on credit card ). However, XX/XX/XXXX, I was formally removed from that credit card as it still belonged to my ex spouse and I have been divorced since XX/XX/XXXX. I have not been liable for whatever balance that credit card may have had since XX/XX/XXXX, as it states in my divorce decree.
I provided the additional funds aware of the errors to not lose the home as the lender stated they'd fix the errors after. Since I had to leave work early , drive to 2 locations to meet their notary, and because the messy process and errors, the title company ( XXXX XXXX ) also stated I would get a discount of {$300.00}. XXXX XXXX acknowledged the errors and stated they needed approval from XXXX only for the " Lender required payment '' refund of {$1800.00}. XXXX stated they needed approval from the Caliber Home Loans Underwriter prior to notifying XXXX XXXX. The underwriter was waiting on a payoff receipt for the credit card prior to approving. It was explained numerous times there would NOT be a payoff, that the credit card was still active but not in my name. I had requested my credit report be pulled again and not until XX/XX/XXXX was it pulled. Even with the new credit report, I was given the run around on if that would suffice and who was handling my open issues. XXXX XXXX is still awaiting approval XX/XX/XXXX and NO one is responsive from XXXX or Caliber Home Loans.
I have numerous emails going to all 3 companies and the parties that were handling my case with no resolution. It has now been over 3 months and I still have not received my refund totaling {$2600.00} from XXXX XXXX due to the lack in approval from XXXX and I have not received any response from XXXX or Caliber Home Loans even after giving them a week notice of filing this complaint if not resolved.
|
| 08/06/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
We are experiencing medical hardship due to a medical XXXX. When we became 2 months behind on our payment we notified the loan servicer, Caliber Home Loans of our efforts to resolve our balance and keep our home and provided proof of the medical hardship. We also requested payment options but were denied. Therefore we resumed making our monthly payments. However, Caliber kept reversing our payments and claiming we incurred NSF fees because we didnt have enough funds in the bank ; which wasnt true at all. We checked numerous times with our financial institution and ensured all payment information were accurate. We requested numerous times over the phone and in writing, that Caliber investigate the back to back payment reversal errors and remove the fees associated with them. They refused to remove any fees or investigate the errors since we first discovered them in XX/XX/XXXX. There are approximately 4 or 5 payment reversals on our account. Caliber has refused to respond to our numerous written requests regarding this. Yet, in XX/XX/XXXX, Caliber flagged our account as foreclosure status and blocked our ability to submit our regular full monthly mortgage payment amounts. In XX/XX/XXXX, when we had saved up more the past due balance, we requested a formal reinstatement payment amount and discovered that Caliber Included all of the NSF fees, along with late fees and attorneys fees into the balance. We then couldnt afford to reinstate as we expected. We asked for payment plans and were refused payment options. Weve submitted numerous loss mitigation applications, but Caliber denied them and stated we needed to wait until our account has been with them for 12 months from our first payment date. As soon as we reached the 12 month period, we submitted a complete loss mitigation application to Caliber. They refuse to confirm that they have received a complete loss mitigation packet as they have done before, and refuse to offer us loan modification option. Its been two months and weve demanded a response regarding our eligibility for loan modification and the results of the payment reversal, still they refuse to respond to our requests.
|
| 11/05/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Regarding breach of contract : On XX/XX/XXXX, I entered into a reaffirmation agreement signed by myself and the then lender XXXX, which was approved by a judge in bankruptcy court in Nebraska. The terms clearly state that as of the date of the new contract any fees were brought current and that the monthly payment included zero additional fees. XXXX allocated a separate fee for property taxes paid by them pre-agreement in XX/XX/XXXX ballooning my monthly payment from the agreed upon amount of {$480.00} to {$1000.00} per month. Subsequently XXXX sold the loan to Caliber Home Loans as of XX/XX/XXXX who inherited the terms of the reaffirmation contract, but have to date not correctly allocated the fees and additional administrative costs they have incorrectly applied. On XX/XX/XXXX a federal court judge and opposing counsel in a legal case I brought against XXXX confirmed that any amount demanded over the approved monthly payment of {$480.00} was indeed a breach of contract and that I could pursue a case in state court. I have spoken to Caliber about this breach of contract over the phone back in XX/XX/XXXX but to date they have not reconciled the account and have mis-allocated the lender advanced fees, administrative costs and deferred interest as it should conform to the reaffirmation agreement terms. Caliber is demanding over {$8000.00} in overdue fees to bring the account current by XX/XX/XXXX or face foreclosure. I was offered a loan modification by Caliber at 3.75 % interest which would have included taxes and insurance in the total monthly payment, but was unable to agree to it by their deadline of XX/XX/XXXX because the amounts listed are incorrect. I would like to have the benefit of a loan modification as I am currently unemployed. I have written Caliber requesting they have the contract reviewed by legal counsel and reconcile the amounts to reflect what they legally represent. If Caliber refuses to comply with the terms of the legal agreement then I will have to sue for breach of contract, but would prefer to set the record straight and move on with a loan modification that is based on accurate terms of the agreement.
|
| 04/08/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Had a XXXX mortgage with XXXX Mortgage and had a XXXX with HFC/HSBC. Did a consolidation of the XXXX and XXXX in XXXX with XXXX which turned out to be a fraud predatory lenders loan. Even though this loan almost put me and my wife into bankruptcy in XXXX XXXX, and XXXX file foreclosure in XXXX XXXX. On XXXX XXXX me and my wife send XXXX XXXX XXXX a letter in pursuant to Section 6 of the RESPA.
Demand was made for all records electronic or otherwise, assignment of ours mortgage, promissory note or servicing rights to our mortgage including any such assignment on MERS.
All deeds in lieu, modification to our mortgage, promissory note or deed of trust from the inception of our loan to the present date.
The front and back of each and every canceled check, money order, draft, debit or credit notice issued to any servicer of this account for payment of any monthly payment other payment escrow charge fee or expense on this account.H XXXX did not send us the proper answers back for our request.
Me and my wife chose to go through the state of XXXX foreclosure mediation program in XXXX XXXX and out of the mediation XXXX agreed to do a short pay off of the mortgage to us for a {$150.00}, XXXX out of the {$330000.00} that we owed with no deficiency. XXXX refused to refinance the loan and Our credit was ruin because of the foreclosure procedures that we had went through. On XXXX XXXX, XXXX we received a recorded release of deed are canceled mortgage from the documents released administrator in referenced to about loan # XXXXhas been paid in full through our company. XXXX XXXX Mortgage. Also enclosed in the papers was a Substitution of Trustee and Deed of XXXX. This was recorded in the XXXX County Courthouse recorders office given XXXX XXXX XXXX and XXXX XXXX XXXX husband and wife as joint tenants with Right of Survivorship.
( Inst # XXXX ) We also have the original Deed of trust ( security instrument ) Have not made mortgage payment since XXXX XXXX XXXX have sold the loan to caliber home loans in XXXX XXXX.
Have a recorded document XXXX County from caliber home loans notice of breach in default and election to sale inst # XXXX.
|
| 10/20/2021 |
Yes |
|
|
|
Web |
|
|
I am working with a company that pays me a regular rate plus an additional stipend amount every hour. The underwriter of the company did not want to include the stipend because they didn't understand the terminology. All other lenders and banks that I have applied for personal loans, credit cards, car loans have taken my earnings with the stipend included except this Lender Caliber Home Loans , Inc . Even, after I reached out to my corporate offices, VP, HR Manager and they wrote a letter stipulating that such earnings were taxed and part of my everyday hourly pay. They refused to do that as the additional income required for me to close this loan and purchase my first new home. At first, purchasing my new home was exciting enough that at the start it seemed to be going pretty smooth. But once this was at the hands of the underwriter it was virtually impossible to close as part of the conditions was my income. Which all of my documentation shows that my income is very well qualifying me with other lenders and I am won't have any problems closing soon with a different lending competitor. However, I do want to submit a complaint as I felt that this stressful situation was unnecessary if they would have simply taken the information pertaining to my income that is coming directly from my employer and my verification reports that were provided. I felt angry, stressed, and even ill at one point as no matter what I would send to the underwriters and executive team at Caliber Home Loans , Inc would not get past, " what is stipend ''. This was the continuing battle between the lenders and me. I wish that they help others in the future and the reason why I am submitting this complaint is to stop this type of discrimination or lack of understanding when all of the data was presented to them without any question. I am currently withdrawing from this lender Caliber Home Loans for that reason and have received approval from a competitor with no issues accepting my earnings including my STIPEND that Caliber Home Loans, Inc could not accept after all documentation showed it was part of my hourly, bi-weekly, quartile and yearly income.
|
| 01/03/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
This process began the second week of XX/XX/XXXX when my CURRENT mortgage holder contacted me and asked me if I would like to re-finance my loan. I spoke with XXXX XXXX at Caliber Home Loans and he can be reached at XXXX or XXXXXXXXXXXX XXXX turned me over to the loan processor below.
Loan processor name : XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX and she can be reached at XXXX or XXXXXXXXXXXX XXXX XXXX has sent me letter asking me to get statements from my pension plans stating that they are guaranteed for the next 36 months. Apparently the underwriters were unable to understand the language of letter from my first pension plan ( XXXX XXXX XXXX XXXX ) so she contacted them and they sent me a new letter stating that I will receive this pension until myXX/XX/XXXX and I forwarded a copy to XXXX XXXX on XXXX/XXXX/XXXX. However, my second pension, XXXX is a XXXX pension and XXXX XXXX is asking for the same type of letter. XXXX can not guarantee that I will not break their compliance regulations and therefore can not send a letter guaranteeing that I will receive this pension continuously for the next 36 months. XXXX XXXX stated in her letter today that I could get a new letter from XXXX, so I did get that letter but it is the exact same language of a letter that she and the underwriters already have. She also stated that I could forward a copy of the XXXX handbook for the underwriters to read and then they would decide if this is sufficient for my re-finance. Again, this is my CURRENT MORTGAGE holder that I have been making timely payments to since they became my mortgage holder. I ca n't even believe that if I were a working individual ( not retired or XXXX ) that a mortgage company would require that my employer submit a guarantee letter stating that I have guaranteed employment for the next 36 months. No employer would put themselves in a position of guaranteeing employment for anyone for a future period of time. I believe that I was only asked to obtain these letters because I am over the age of XXXX and that I am XXXX. Please help me understand that this is a perfectly legal process for underwriters.
|
| 07/08/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I submitted an online refinance application to Caliber Home loans at the beginning of XX/XX/XXXX. When I didn't get a response I called them directly ( Around XXXX ) to start the process, they currently hold my mortgage. I got an email from the loan officer XXXX XXXX with rates for a 30 year FHA which is not what I wanted at all and then a request to sign a disclosure agreement. I had replied that I was not interested in that I was looking to move off of my 30 year FHA and over to a conventional with a shorter term. On XX/XX/XXXX, I got options for conventional loans. Shortly after I got a disclosure agreement in the mail. I sent an email asking about it since at no point had I selected one of the options. I got no response. I sent an email on XX/XX/XXXX, advising I had not received a response about the disclosure and would like to go with the 20-year conventional loan. I finally called and had to speak with a generic representative. I asked for another loan officer since mine was unresponsive. I then got a call from my original loan officer who said don't sign the first disclosure she would send the second. The second one came and I signed it on XX/XX/XXXX. I heard nothing else. On XX/XX/XXXX, I emailed and asked why I had not heard anything, was there something I needed to be doing. I tried to call and request again, a new loan officer or to speak to a supervisor which they did not do, they just had the same lady called me again. She sent an email saying my application was with underwriting and I would receive something from them if they needed something and it could take 3 to 4 weeks. I sent an email on XX/XX/XXXX, stating that I need information because I haven't heard anything and my cash-out refi in XXXX did not take anywhere near this much time. I did not hear back. I tried calling the loan officer but her phone says she is out of the office until XX/XX/XXXX ( 2 days ago ) and the main phone line says due to unforeseen circumstances they can not answer the phone and it just hangs up. I can't get any assistance because all the phone lines just hang up. I find this company to be so unbelievably unprofessional.
|
| 01/12/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
We had a line of credit with XXXX XXXX XXXX. We made interest only payments for years and never had a problem until they changed the terms and started to charge us for both interest and principle. We were in loan modification with them when they sold the loan to CALIBER HOME LOANS XXXX/XXXX/XXXX. At that time, Caliber billed us for fees that XXXX XXXX XXXX had put on hold while we were loan modification. The fees that Caliber said we owed were more than what XXXX had said.
We had been making the regular payments monthly to Caliber, and we were objecting to the figures that they said we owed for fees.
On XXXX/XXXX/XXXX, my husband spoke to XXXX, Teller # XXXX and XXXX, Teller # XXXX, who provided him with the figures that were owed. I agreed, and sent the full amount of {$4900.00} on XXXX/XXXX/XXXX. On the check we wrote " interest only to bring acct. current ''. We assumed that our account would be free of any other fees and charges except for the normal principle and interest that we have been and will continue to pay monthly until the loan is fully paid. They continue to add fees to our monthly bill, now saying we owe {$4000.00} in past due amounts, and {$3800.00} for unpaid advances/fees totalling {$8800.00}.
We have called multiple times questioning what these charges are for, since we paid what we were told, and we have n't missed a monthly payment. We have sent letters on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX all explaining our position and requesting a breakdown of what they say is owed. We are angry and confused, because we thought we were paid in full.
Note : an exact LOC with XXXX on another of our properties was in the exact situation, and sold to XXXX XXXX, we never had to pay any additional fees, and a third LOC has stayed with XXXX, and we never had to pay any other fees either.
Please help us. We have paid all interest and principle on this loan, and we are not willing to pay {$8800.00} additional.
NOte : This LOC started at $ XXXX, balance now is {$81000.00}. Current value of home is approx $ XXXX. It is a rental house, currently rented to a year round tenant.
|
| 02/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I would like a full on investigation on Caliber Home Loans, this is the second complain I will, the company has purposely and intentionally founds ways to retaliate against me. I filed a law suit in XXXX, due to the company asking for documentation sent more than once for a loan modification, XXXX XXXX filled a law suit and option a trail payment plan that would end in XX/XX/XXXX when we contact Caliber after the last payment the first point of contact stated that they denied modification due to not receiving a subordination letter from Keep Your Home California, they stared that the letter was send to my attorney back in XXXX, we including my attorney never got any subordination letter from Caliber Home Loans. I went ahead and contact Keep you Home California compliances Department and they have never seen the letter either. On XX/XX/XXXX Rep XXXX # XXXX was advised to open task for subordination letter by first point of contact. Rep XXXX # XXXX stated subordination letter was sent to XXXX XXXX on XX/XX/XXXX XXXX MGR XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX PHONE CALL [ p ] - XXXX LIEN SUBORDINATION//Called to follow up with CALIBER on the subordination and the rep XXXX ID # XXXX stated that they have received the the subordination authorization and the title department is working on the subordination. He also stated that they posted another Trial payment yesterday.
XXXX XXXX MGR XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX PHONE CALL [ p ] - XXXX LIEN SUBORDINATION//Called to follow up with CALIBER on the subordination and the rep XXXX ID # XXXX stated that they have received the the subordination authorization and the title department is working on the subordination. He also stated that they posted another Trial payment yesterday.
XXXX XXXX MGR XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX PHONE CALL [ p ] - FINAL LOAN MOD DOCS//Called Caliber and spoke to XXXX rep ID XXXX XXXX stated that the final modification is being prepared and has not been generated as of yet and will be in the next two weeks and will be sent to our office. As soon as we have received the docs we will forward to you immediately for signature.
|
| 01/25/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
To the CFPB, Caliber home loans, and other recipients XXXX this letter go on record as it states the facts in our complaint against Caliber Home Loans. On XXXX XXXX Caliber became the new servicer of our mortgage.In the 2 years since we have never received any SPOC from Caliber to help us retain our home.in Calibers most recent response to the CFPB, Caliber claims that they could not contact us with a SPOC because f a cease and desist on the loan. The fact is in XXXX we hired an attorney to respond to a foreclosure attempt by XXXX, who was the mortgage holder at that time. In the letter sent to XXXX formally disputing their attempt, the wording is as follows " We are demanding that XXXX cease and desist any attempt to foreclose on the home. '' The wording did not state a do not contact cease and desist and further more Caliber Home Loans was not named in this as it would be XXXX more years until Caliber became the new servicer of the loan. Caliber also stated in their recent response that a letter was sent to our bankruptcy attorney on XXXX XXXX, XXXX regarding our loss mitigation options. Our attorney has no record of such letter. Are request through the CFPB was for Caliber to send us any proof that this letter was sent to and received by our bankruptcy attorney. There has still been no response. It is clear that through Calibers lack of contact over the last two years, manipulation of wording, and lack of response to our complaints, that Caliber never intended to help our family stay in our home and only to foreclose and evict us. Leaving this family homeless. Further more the purpose of the CFPB is to help the rights of the consumer but it would seem that is not the case because their hands are tied. Disappointing. XXXX is also go on record that a copy of this letter has been sent to the Massachusetts Attorney General, Massachusetts division of banks, The Justice Department, and our State Senators. We have also consulted with an attorney and we will be taking legal action for the loss of our home, severe violations of our rights, and the mental and emotional stress put on our family.
The XXXX XXXX
|
| 01/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
On XX/XX/XXXX, I closed on a {$300000.00} mortgage for 15 years at 3.25 % with Caliber Home Loans. On XX/XX/XXXX, I made the first of XXXX bi-monthly payments via an ACH draw on my bank account. Each monthly payment was in the amount of {$2100.00}. On XX/XX/XXXX, I received a letter from Caliber Home Loans stating that I was in arrears in the amount of {$4200.00}, which would be XXXX monthly payments. They threatened to report me to the credit bureaus. I was not in arrears and stated that in a message posted to their customer service message server and asked them to state that they would not report me to the credit bureaus.
When I did not receive a response from Caliber in the promised two business days, I initiated a refinance with XXXX XXXX for a 15 year mortgage at 2.625 %. That mortgage closed on XX/XX/XXXX and the payoff amount requested by Caliber was {$290000.00}. The outstanding loan amount, calculated by using an amortization table, was {$290000.00} and the refund owed to me by Caliber was {$2100.00}. On XX/XX/XXXX, I received a check from Caliber in the amount of {$1200.00}, which is {$840.00} less than the amount owed me.
Well before I received this check, I filed a complaint against Caliber with the XXXX XXXX XXXX. I also filed a complaint against Caliber with the CFPB. I declined to accept the explanations offered by Caliber and, in my last response to Caliber, I requested a detailed statement from them showing how they arrived at the {$1200.00} figure. They refused to cooperate with the XXXX and the complaint was closed with suggestions on how to proceed further. Caliber closed the complaint I had filed with the CFPB, stating that since the mortgage had been paid off, there was no justification for my complaint.
If Caliber had responded to my initial complaint and worked with me to resolve it, I would never have filed with the XXXX or the CFPB. But Caliber did not do that. They made no attempt, at any time, to reach out to me to discuss a resolution to my complaint. I had no option but to file the complaints I did as trying to communicate with Caliber is an exercise in futility.
|
| 03/28/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
1. Caliber Home Loans acquired our mortgage loan XX/XX/XXXX from XXXX XXXX XXXX XXXX., XXXX XXXX, California 2. We paid {$2200.00} on XX/XX/XXXX using electronic Bill Pay through XXXX XXXX XXXX XXXX, showing the payment was received and posted through XXXX XXXX XXXX XXXX. TRACER : XXXX CUST CKF : XXXX 3. The payment cleared our account XX/XX/XXXX 4. Received a statement indicating two payments were due so we called the number provided numerous times, but COULD NOT reach anyone to speak to, so we sent a message to Billing and Payment asking about the payment that was not showing up in the online system. We received an answer indicating a response would be received within 5 days, which did not happen 5. We made the XX/XX/XXXX payment of {$2200.00} online on XX/XX/XXXX 6. The payment cleared our account XX/XX/XXXX 7. In XX/XX/XXXX we printed our Form XXXX, which indicates we only paid 1 month of interest, which should have been double that amount.
8. We made the XX/XX/XXXX payment of {$2200.00} online on XX/XX/XXXX 9. The payment cleared our account XX/XX/XXXX 10. We received our first AND ONLY phone call from someone indicating it was a collection call, he was demanding payment over the phone. We told him we had NOT missed any payments and would not provide the caller with any payment over the phone. We tried to call back to reach someone at the Mtg. company but no one would answer, so we sent another message indicating we needed help with our account.
11. We made the XX/XX/XXXX payment of {$2300.00} online on XX/XX/XXXX, which included a late fee of {$78.00} that was placed on the account 12. The payment cleared our account XX/XX/XXXX 13. We sent copies of everything to Caliber which they signed for 3-4-19, and received an answer from them 2 days ago indicating " Caliber has reviewed the documentation provided within your present inquiry and found no evidence that a payment was received on XX/XX/XXXX. '' 14. I had XXXX XXXX research the payment further and have their response with the details of this ACH Payment to Caliber.
This loan is in my husband 's name, but the home is deeded to both of us.
|
| 08/30/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
We purchased our home as an estate XXXX. The executor of the estate failed to notify the Assessor 's office that the owner was deceased prior to these taxes being paid, therefore the exemptions of {$620.00} were applied to the XXXX school taxes. The unentitled exemptions were then applied to the XXXX XXXX taxes. This extra charge on the XXXX XXXX taxes made the taxes appear to be more than anticipated. However, this is not a tax increase and should not be anticipated towards the XXXX taxes. Caliber home loans is taking this added exemption fee as a tax increase and they are raising my monthly payment {$210.00} in anticipation of this being the new tax amount. I have forwarded a copy of the XXXX tax bill clearly showing the exemption removal fee of {$620.00}, a letter explaining this situation, a tax record information sheet that shows a more realistic tax amount, and the letter showing these exemptions being removed late. The company conducted a review by calling the town and asking what the XXXX tax amount was. I am not stating that the XXXX tax amount should be lower, I am stating there was a fee added that should not be anticipated for the XXXX taxes. The representative and supervisor that I spoke with today both stated that they will do nothing for a one off situation like mine and will not accept any proof other than a tax bill showing a lower amount. I asked if I could ask for a more realistic tax figure from my town hall and they refused this is well. I was even told that their research department only handles paying taxes and would probably not even know what to do with a situation like mine. I feel that it is extremely unfair that I am not even able to prove this discrepancy and am being forced to pay an amount that I have expressed is to high and have proof that is incorrect. Their solution is to pay this unaffordable amount from now until the new tax bill comes out in XXXX and if the amount is less they will refund me. This is not realistic as I do n't believe that I can afford the new proposed monthly payment. All I want is a fair review and an opportunity to pay the correct amount.
|
| 05/19/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I had a pay-option ARM loan that was originally with XXXX. This loan was later sold to XXXX XXXX XXXX. My loan was included as part of XXXX class action settlements, once from the state of Arizona and again through the National Mortgage settlement. For 6 years, XXXX XXXX XXXX refused to modify my loan pursuant to the terms of the court ordered settlement. On XX/XX/XXXX my loan was sold to Caliber Home Loans. I sent copies of all court documents to Caliber and asked them to comply with the court ordered settlement. On XXXX XXXX I received a letter from Caliber stating that " Caliber has no affiliation with the defendants referenced in the documents. As such, we are not able to address the matter '' I find it hard to believe that I lost all of my rights under the settlement agreement just because XXXX XXXX XXXX sold the Loan to Caliber. Especially since I received a letter from Caliber on XX/XX/XXXX that specifically stated " The transfer of servicing of your mortgage to Caliber will not affect any term or condition of your mortgage '' Caliber refused to provide a single point of contact and I spent many hours on the phone talking to multiple people. I was frequently promised call backs from supervisors and representatives that never occurred. I was told my loan was going to be reviewed by a legal department but it never was. My loan was dual tracked while I was applying for a loan modification in direct violation of the court order.
I did submit all required documents to Caliber for a loan modification. I was told by XXXX ( ID # XXXX ) on XXXX XXXX that Caliber had recommended a loan modification to the investor and that they were waiting for the investor to approve it. XXXX also stated that I would be contacted by the manager XXXX ( ID # XXXX ). XXXX never contacted me. On XXXX XXXX I received a call from XXXX ( ID # XXXX ). She informed me that my modification was declined. She stated that no other options would be made available to me and that my home would foreclosure on XX/XX/XXXX. Due to the dual tracking of my loan I have no time left to dispute the foreclosure which will occur tomorrow.
|
| 04/24/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
In XXXX I got a letter from Caliber Home Loans ( my mortgage company ) stating that due to an escrow shortage, insurance and tax increases my mortgage payment was to go up by a little more than XXXX $ monthly. I made a payment in the amount of XXXX $ to cover the negative in order to keep my mortgage the same. This payment, instead of being applied to the escrow was applied to the principal balance and my mortgage the next month was still increased.
When Calibers mistake was noticed I immediately started making calls and after weeks of back and forth the XXXX was finally applied where it was supposed to be.
The next month I noticed that my auto pay did not come out of my bank account and when I called Caliber they said I was no longer eligible to be enrolled in auto pay but couldnt tell me why. They also said that I was not eligible to make online payments and that though nothing had changed with my mortgage they couldnt tell me why.
After many calls and having to wait over an hour in some cases to talk to a representative I was finally told that my loan is in loss mitigation and with underwriting for an unknown reason.
I was in a Covid forbearance and modification was completed in XX/XX/2021, but everything had been fine since and I havent missed a mortgage payment outside of the forbearance.
I logged into my online account last week and saw a message that said my most recent payment was past due. I checked my bank account to make sure it was paid, and it was. I called Caliber to find out what was going on and they told me that they were able to see the payment was made 10 days prior and there are notes in the account about that payment but for some reason its not posted as being paid, but could not tell me why.
Today I received a letter in the mail stating that the payment was past due and that a late fee would be assessed and a missed payment would be reported to the credit bureaus if the payment I already made wasnt paid.
I keep getting the run around from Caliber and this needs to be corrected. Im not able to get results on my own and hope CFPB can assist in getting this resolved.
|
| 05/17/2022 |
No |
|
- Trouble during payment process
|
|
Web |
|
|
Caliber Home Loans transgressed federal law in servicing our mortgage escrow account, namely FDIC 6500 - Consumer Financial Protection Bureau PART 1024REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ) XXXX ( c ) ( 1 ) ( i, ii ) Caliber Home Loans exceeded Federal limits for cushioning our mortgage escrow account from XXXX, XXXX to XXXX. XXXX. They exceeded the legal limit by nearly 100 %. They were allowed to charge us only one sixth ( 16.67 % ) of the estimated total annual payments made from the account ( ex. taxes, insurances ) for the cushion. Instead, they charged us over one third ( 34.06 % ) of the estimated total annual escrow payments declared in the attached mortgage closing documents ( i.e. {$520.00} per month versus {$400.00} per month ).
Additionally, Caliber Home Loans sent us a check on XX/XX/XXXX and declared our new payment on the fixed rate & term loan would be much lower ( {$1400.00} instead of {$1600.00} ). Since that time, our mortgage escrow has been underfunded every month ( - {$98.00} monthly ), despite our making full and timely payments. Instead of the estimated escrow payment of {$400.00} declared at closing, Caliber Home Loans are charging only {$300.00} since XXXX XXXX. As a result, our account is now negative by {$580.00}.
We contacted Caliber Home Loans last week ( XX/XX/XXXX ), asking for an escrow analysis. The agent on the phone said the XX/XX/XXXX check was sent in error, due to software problems. However, the analysis Caliber Home Loans produced at our request was incomplete.
Due to the above illegal mismanagement by Caliber Home Loans, we A. were hindered from refinancing our mortgage from XX/XX/XXXX - XX/XX/XXXX due to Caliber Home Loans asserting irregular adjustments to our mortgage payments ( making it appear that no other loan anywhere would be a financial benefit ).
B. were forced to continue in the FHA mortgage with undesired mortgage insurance C. have become distrusting & wary of Caliber Home Loans, yet stuck with their illegal and unethical services, because the market now makes it impossible for us to refinance to our betterment.
|
| 07/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
caliber home loan is erroneously reporting 3x30 late on my current mortgage account. All payments were made on time, BUT caliber misapplied payments, and added property insurance WITHOUT my knowledge when I ALREADY HAD EOI, then charged me for the 2nd policy WITHOUT my authorization and MISSAPPLIED my mortgage payment toward the 2nd UNNESESARY HOME OWNERS POLICY and reported late pay for this account ... please help resolve this injustice!
ALSO, THE LETTER I SENT TO THE ADDRESS THEY REPORTED TO C.R.A CAME BACK UNDELIVERABLE ... THIS IS A F.C.R.A. VIOLATION ....
CALIBER HOME LOANS , INC .
Account number XXXX ....
Recent balance {$580000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Open. {$3200.00} past due as of XX/XX/XXXX.
* Caliber assessed lender placed insurance on my loan because my insurance company did not provide proof of coverage. I was unaware of this.
* A Caliber rep advised me NOT TO PAY the XXXX payment until it got sorted out and the amount was corrected.
* I paid the XXXX payment on XX/XX/XXXX ( the amount was still incorrect ; I was worried about going too long without payment ).
* I paid the XXXX payment on XX/XX/XXXX by phone. The Caliber rep apparently mis-entered the account number. After getting confirmation of payment, I found out a week later that the payment did not actually go through.
* I paid the XXXX payment AGAIN on XX/XX/XXXX.
* Checking the account online daily, it still showed I had over $ 6K in late payments, which was fully incorrect.
* On XX/XX/XXXX, a Caliber rep told me I needed to " get my account current '' and then escrow would be removed and they would get it sorted out with the credit bureaus.
* When I spoke to the same rep earlier this week he said he " couldn't explain it '' but " there was nothing they could do. '' AAARRRRGGHHHHHH!!!
Meanwhile, my credit score dropped 80 POINTS IN ONE MONTH. I have spent hours on the phone trying to get help with this mess, sent a letter of dispute, emails, etc. This has been a nightmare! I have lost sleep due to XXXX over the last 3 months I've been trying to get this cleared up.
|
| 06/23/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
In XX/XX/XXXX Caliber Home Loans sent a loan modification offer to an unknown address in a different state than I live. Please provide documentation showing who requested the documents to be sent to a different address? The offer was not sent to my address, my representing attorney or to the mediator named in Foreclosure Mediation Notice sent to XXXX / Caliber on XX/XX/XXXX by the State of Washington XXXX. I was n't made aware of the offer until mediation on XX/XX/XXXX after the offer was expired. At mediation Caliber stated they would re-instate the offer once they received a Quit Claim Deed and another completed loss mitigation application. I complied with their requests on XX/XX/XXXX, they were sent several completed applications and the counties recorded Quit Claim Deed on XX/XX/XXXX and multiple times since then per their request.
They sent me XXXX denials for modification. Why was I eligible for a loan modification in XX/XX/XXXX but am not now? What criteria was used in the determination in XX/XX/XXXX that is different from the criteria used in XXXX & XXXX? Please provide written documentation of the criteria used in the determination in XX/XX/XXXX and again on XX/XX/XXXX.
At the XXXX mediation XX/XX/XXXX I was told the investor guidelines wo n't allow Caliber to offer a loan modification because I have too much equity in my home and I can afford the payment. Which is true now that my lengthy ( 1 1/2 years ) divorce is over and I have been awarded my home, I can make the payment given the opportunity to do so, but Caliber & their Investor wo n't allow it.
Why ca n't they put the delinquent amounts on the end of the loan and allow me to pay an additional $ XXXX {$300.00} a month on top of my regular payment to help pay the past due amounts?
Any question I ask Caliber regarding the modification or denial is always " the investor guidelines do n't allow it ''. What does the investor guidelines allow? It is apparent the investor and/or Caliber has no interest in working with clients, they are not acting in good faith and they do not offer a fair review process as required by law.
|
| 06/25/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My loan company, Caliber Home Loans, sent me a certified letter stating that I 'm XXXX XXXX XXXX XXXX behind. This is false, and I can prove it! They also have reported me as being XXXX payments late. Also, FALSE! XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX years ago we had to retain an attorney because our mortgage company, Vericrest Financial, also accused us of non-payment and paying late. After a process that took XXXX XXXX years, the attorney got them to settle out of court and they were supposed to fix the negative reporting from all XXXX XXXX XXXX XXXX credit reporting agencies. They failed to do this and I was not able to get them to comply. I had to write to the individual companies and only XXXX XXXX XXXX XXXX were fixed. Also, I applied for a loan modification to Vericrest, which the attorney was able to get them to accept when, previously, Vericrest had denied it. Now Caliber Home Loan is doing the same thing. They are reporting us as paying late, non-payment and I resubmitted a loan modification, since it was due again, and Caliber loans says I never filed XXXX. At this time, I 'm unable to retain an attorney because XXXX financially, I ca n't afford an attorney right now. But I can prove, that even though I have been sick, I have still been paying on time!!!!! After the problems with Vericrest, the attorney suggested that we only pay our mortgage with a certified check, every month, and then send it by priority mail and keep the tracking numbers and receipts. This is what we have done every month, for the last XXXX years, so we have ample proof that they are falsely accusing us!!! I will be submitting the letter that was sent from Caliber, along with our two ( XXXX ) months of the certified checks and the receipts from the post office with the tracking numbers. I sincerely hope that you will investigate and that they will be punished so that no other family will have to go through this!!!! I do believe that we are being targeted because I 'm sick and Caliber is hoping to get our home. We look forward to hearing from you very soon.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
|
| 03/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We refinanced with Caliber Home Loans in XX/XX/XXXX and XXXX XXXX XXXX sent a check to Caliber Home Loans to credit to our escrow account. The check was issued from XXXX XXXX on XXXX ( Check # XXXX ), in the amount of {$7500.00}, which cleared on XX/XX/XXXX, which I learned from reaching out to XXXX XXXX. Even though the check showed as being deposited, Caliber Home Loans never gave us credit for the {$7500.00}. They did pay our property taxes in XX/XX/XXXX, which left our escrow account with a negative balance.
In XX/XX/XXXX, Caliber Home Loans sent us an escrow statement showing a shortage amount of {$7700.00} and that they were going to increase our monthly mortgage amount significantly. We believe that this increase in our mortgage payment was due to the negligence on the part of Caliber Home Loans to not credit our account with the amount due to our escrow account at closing/refinance.
I have called Caliber Home Loans many times to discuss this issue and have had no success. My husband and I called on XX/XX/XXXX to first ask about this and did not receive any helpful answers. Then XX/XX/XXXX, I called and spoke to XXXX who said she was sending our issue to the escalation team and we would receive a response in 7-10 business days, which we never did receive. Then on XX/XX/XXXX I called and spoke to XXXX. XXXX said he was the manager of escalations and advised me to email our issue details to XXXX and to put in the subject line the loan # and attention XXXX. I did as he said, but never heard back from XXXX or Caliber so I called again on XX/XX/XXXX and left a message for XXXX to call me back. He never did. On XX/XX/XXXX I emailed the same email address to follow up and never received a response back. On XX/XX/XXXX I called again and spoke to XXXX. He said he knew XXXX and was messaging XXXX and emailing XXXX to call me back with the status. I never received a call or email back. Then, I emailed back to the same email address on XXXX with a follow up and again, never received any response.
We have been paying our mortgage on time every month, even with the increase amount.
|
| 07/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
NOTICE IS HEREBY GIVEN that an action has been commenced and now pending in this court upon Complaint of the above-named Plaintiff against the above-named Defendant ( s ) for the problem is a predatory and fraudulent loan perpetrated against the XXXX XXXX ( Plaintiffs ) by Caliber Home Loans, INC. ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; ( Defendants ) including GRAND THEFT OF MONIES PREPAID IN AMOUNTS OF {$52000.00}, and {$2000.00} via cashiers check in good faith but which amounts were swindled by defendants with the use of material misrepresentations, fraudulent disclosures, and by other fraudulent and deceptive instruments used to unlawfully inflated a purported mortgage loan to astronomical and deceptive amounts inconsistent with law and the initial agreement. There is a further breach of contract issue for failure to deliver the home bargained for. I have two different HUD1 disclosures. They charged me closing cost twice. I have all the email and documents. The closing attorney provided false discloses. There several of breach of contract. The builder shorted us 66 square feet of the house that picked for the floor plan. I asked for a QWR. When I received it the company told me they could speak to me about my account. They short the loan so fast that we have two different payoff balance. They can't even produce the note. Plus, the Seller didn't pay closing cost. On the contract under financing the Seller stated Purchaser is responsible for all closing fees. The loan was {$190000.00} and added closing cost in the loan making the total {$200000.00}. Plus I was suppose to pay 3 % down because they stated We qualified for conventional loan, but they stated I had to bring over {$50000.00} XXXX dollars. I have all email and the attorney they South Carolina Consumer Affairs a different hud from closing so I glad he did that so I have two different huds.
1 ) Predatory Lending 2 ) Fraud 3 ) Breach of Contract 4 ) FEDERAL EQUAL CREDIT OPPORTUNITY ACT 5 ) RIGHT TO CHOOSE CLOSING AGENT/ATTORNEY 6 ) FAIR CREDIT REPORTING DISCLOSURE 7 ) Right To Choose Closing Agent/ Attorney
|
| 07/15/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
We are in desperate need of help as our mortgage is pending a foreclosure sale and our bank will not help us. We purchased this home XXXX XXXX XXXX. We had done a refinance with XXXX XXXX XXXX of XXXX. We defaulted on that mortgage in XXXX of XXXX and the reason for hardship was due to our families including immediate family was in XXXX during the earthquake XXXX XXXX XXXX. We had to fly to XXXX and bring back our nieces and nephew after both my sisters were killed leaving the children orphans. Between the funeral costs, travel costs and taking in the XXXX children, we had no more savings left to pay the mortgage. We applied for a modification and had been approved for a trial modification which we completed and was approved for a step rate modification XXXX XXXX XXXX. The step rate schedule startedXXXX/XXXX/XXXX-XX/XX/XXXX with the rate 4.025 % ; XXXX at 5.025 % ; XXXX at 6.025 % ; XXXX at 7.025 % ; XXXX at 8 %.
XXXX/XXXX/XXXX XXXX was hurt on the job after 18 years of employment and had to go on workers comp. We had applied for a temporary hardship due to this significant income reduction and was approved for a 2 year temporary modification on XXXX XXXX XXXX through XXXX/XXXX/XXXX reducing the interest rate to 1.025 %. After the two years were up, the payment would go back to the terms of the original modification as explained above. My workers comp was {$270.00} a week. We defaulted on this temporary modification XXXX XXXX XXXX after the workers comp had ended. I had been going to court over the XXXX until it was finally determined he was XXXX as of XXXX XXXX XXXX. The XXXX date I was entitled to benefits was XXXX XXXX but if you review the award letter I have attached, I did n't receive the retro pay or monthly payments until XXXX XXXX XXXX. So for 24 months, XXXX had no income other than the temporary XXXX which was less than {$XXXX} a month which barely covered the cost of parking for the hospitals after the XXXX.
Since XXXX is now receiving permanent XXXX of {$XXXX} a month and XXXX 's income, we are making {$XXXX} a month in gross income and taking home {$XXXX} combined.
|
| 04/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Hello, I am writing to request clarification and possibly legislative action to : 1. Stop the practice of Lenders to falsely require a loan to be in default of at least 30 days before they can provide payment plan alternatives, including COVID-19 related relief. This happened to me when I first contacted my current Lender. In my conversation with the agent when I was asking for clarification around applying for the Forbearance program under the CARES act I was told specifically that I should first make sure I was 30 days past due on my current loan otherwise they would not have been able to process any options. Clearly a falsehood and it would have tagged me right away as in default and kept me so in their records for the full extension of the program and possibly beyond. Luckily I did not trust the conversation and applied regardless of my " current '' status.
2. The initial approved Forbearance period is granted for only 90 days. Not the full 180 days as defined by the CARES act. This is a point of clarification that needs to be made on whether the Lenders have the latitude to decide on their own what the initial approved plan length or extensions should be. If this is not how the law was intended to be enacted it should be clarified and enforced asap.
XXXX. The latest update to the XXXX XXXX XXXX is a bit ambiguous. " If your mortgage is backed by Fannie Mae or XXXX XXXX : You may request up to two additional three-month extensions, up to a maximum of 18 months of total forbearance. But to qualify, you must have received your initial forbearance on or before XX/XX/2021. Check with your servicer about the options available. '' This language leaves some room for interpretation of the meaning of " ... received ... on or before XXXX XXXX ''. If I have a letter of acceptance into the plan dated on or before that date, but the next due payment is in XXXX or XXXX of 2021 does that disqualify me from being able to take advantage of the new extension rules?
Thank you for your time in considering the above.
I hope this finds you and your family healthy and safe.
XXXX, XXXX XXXX
|
| 01/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Servicemember |
|
Complaint and QWR to Caliber Home Loan , Inc. and XXXX XXXX XXXX XXXX XXXX According to my Note, only the Note Holder can demand from me payments; declare me in Default and initiate foreclosure of my home because this Note Holder paid VALUE ( money ) for my debt and was entitled to receive but not received my payments.
My Mortgage said that my NOTE or part of my Note may be sold. My Note is not endorsed to anyone. XXXX forged XXXX, XXXX dated XX/XX/XXXX, another is undated, stated that the payee is Caliber Home Loan , Inc.
On XX/XX/XXXX Caliber personally confirmed to be the Note holder. Please state if XXXX paid value for my Note, whom they paid this value and the amount of value, in $ $ XXXX
On XX/XX/XXXX Caliber said that the CURRENT owner of THIS loan is XXXX. On XX/XX/XXXX Caliber said that they are serviced the Investor.
Please state the full name of this Investor and if this Investor was the Holder of my Note, in due course if another company, XXXX, claims to be the CURRENT owner of my alleged loan and insisted that XXXX PURCHASED my loan from unknown to me parties on XX/XX/XXXX Please identify of which particular loan XXXX is the current owner Here are XXXX different loan numbers, XXXX of which under Calibers name. Which of these XXXX loans is CURRENTLY owned by XXXX.
Please identify the person ( s ) or entities that were entitled and are currently entitled, directly or indirectly to the stream of revenue from me, as the borrower in the subject loan.
State the NAME is the company who hired Caliber Home Loan , Inc as a Servicer ; and the name of its individual employee who was responsible for hiring Caliber.
The NAME of the company who authorized transfer of Servicing from XXXX XXXX XXXX XXXXXXXX to Caliber and the NAME of its individual employee.
The NAME of the company who authorized transfer of Servicing from Caliber to XXXX in XX/XX/XXXX and the name of its responsible employee.
XXXX XXXX XXXX XXXX Loan Number XXXX Caliber Home Loans , Inc. Loan Number XXXX Caliber Home Loans , Inc. Loan Number XXXX XXXX XXXX XXXX XXXX XXXX Loan Number XXXX
|
| 09/17/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
To Whom It May Concern, Recently I learned some very disturbing information regarding my mortgage. I discovered this information because I am trying to avoid foreclosure. For the better part of this year, I learned that the entity attempting to foreclose on my home, is most likely without authorization to do so. As a result of that, I ordered a Property Securitization Analysis Report and I learned things were definitely not done according to the statutory foreclosure laws in the State of California. As a result of further research, I learned that the right to rescind my loan transaction was still available to me due to the fact that my loan transaction has never consummated pursuant to California Code of Civil Procedure section 1550. On XXXX XXXX, 2015 I took the first step in rescinding my loan by sending a letter of rescission to my servicer, Caliber Home Loans. Caliber Home Loans received the letter on XXXX XXXX, 2015. Pursuant to the Federal Truth In Lending Act, Caliber and/or the creditor was suppose to file a lawsuit against me within 20 days of the receipt of the letter and/or take the necessary steps to release and/or reconvey the deed of trust. They have failed to take any action to be in compliance with the Federal Truth in Lending Act. On XXXX XXXX, 2015, I mailed to Caliber a Notice of Non-Compliance, they have still yet to comply and they are attempting to foreclose on a deed of trust that has been canceled by operation of law. I do not understand how they can attempt to foreclose on a deed of trust that is null and void and yet blatantly disregard the law. I filed a complaint back in XXXX on another issue and I do not know what transpired on that complaint. I am filing this complaint with the Consumer Financial Protection Bureau because there is a clear violation of law and I hope that you can assist in this matter. It appears Caliber Home Loans will not adhere to the guidelines and laws that are set out before them unless there is a higher intervention. Violation of federal law simply can not be ignored. Your assistance would be greatly appreciated.
|
| 09/22/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Caliber Home Loans has refused to deal with me regarding my mortgage loan delinquency and impending foreclosure. I have been trying to get Caliber to provide me with assistance on our home mortgage, but they have turned their backs on our situation and we are going to end up losing our home through foreclosure if things keep going this way. My wife and I went through some very difficult times in our relationship and ended up separating. During this time we fell behind on our mortgage and were not able to get things back on track quickly. Fortunately, we are back on our feet and can now afford the mortgage payment. However, when I attempted to work with Caliber, they simply ignored my requests for assistance and now I am in a situation where we may lose our home through foreclosure. I have XXXX young daughters and nowhere to go if we are kicked into the streets. Our backs were against the wall and the agents at Caliber couldn't care less.
We have asked for a loan modification but it seems they can not get their process together well enough for us to finish the process. I would even take a forbearance agreement to give my family a chance to get caught up, but Caliber has closed the door on that option. I have tried repeatedly to get Caliber to provide us with a solution through a modification, but they are refusing to open a review for assistance. We believe that we have the right to have our loan reviewed for retention options and to obtain a mortgage statement. Their representatives just want to get us off the phone and will engage in discussions to save our home, even though our mortgage loan clearly qualifies for a modification based on the government guidelines. We have never had a single point of contact and we are very frustrated. The end result appears that we will just lose our home through foreclosure unless you can step on and ensure that they service our loan properly. Your agency has made the parameters of loan servicing very clear and we refuse to lose our home through foreclosure because Caliber is failing to properly review our loan for assistance.
|
| 04/28/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
Complaint- our loan servicer is not abiding by the Borrower Protection Act or Program in time of crisis for Americans. They have stated it is the investors that own the security that are telling them what they can do.
XXXX and XXXX XXXX FHA Mortgage Loan, monthly payment {$2000.00} Loan number XXXX Servicer Caliber Home Loans XXXX We are both in XXXX XXXX and with the COVID we would like some assistance. My wife and I called our loan servicer and asked to have 3 months mtg payments deferred to the end of my loan. We told them we do not want a forebearance where we have to pay 3 months payments all at once it does not make sense to even ask that because everything is shut down. Caliber stated the only forebearance program they are offering is one where all three payments would be due at one time and if we couldnt pay it our loan would go delinquent.
I went to your website and found this article which specifically states there are other options for anyone with XXXX or XXXX backed loans : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-fhfa-announce-borrower-protection-program/ The missed payments will have to be paid back by the borrower. Mortgage servicers are responsible for working with borrower to set up a repayment plan that works for both parties. The missed payments can be added to the normal monthly payments, paid back all at once, tacked on to the end of the loan, or the borrower can have the term of the loan extended.
https : XXXX If a homeowner requests a mortgage-payment delay and XXXX XXXX or XXXX XXXX backs the loan, the bank cant require a lump-sum payment after their hiatus ends.
WASHINGTON To combat ongoing misinformation, the Federal Housing Finance Agency ( FHFA ) reiterated that borrowers in forbearance with a XXXX XXXX or XXXX XXXX ( the Enterprises ) -backed mortgage are not required to repay their missed payments in one lump sum.
Both of these links specifically mention the types of services that should be available to us and the rest of the citizenry. Please look into this at once, we would like some relief.
XXXX XXXX
|
| 03/01/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My name is I contacted anyone and everyone that would listen. But Caliber homes loan employees are unable unwilling or just to disconnected with your customers. The Refi process has been one of the worst experience. My credit score was dropped because of this company inability to understand whats going on under its own roof. No fault of mine, much to the contrast I contacted several employees at Caliber warning that if they did n't get in front of reporting a late payment that in fact was not late but in fact the loan was paid off that there system is going to report and it will make my life way harder then it already is. I do n't understand how this could happen, even if I was n't calling it out before it happen but the fact that I did repeatedly is just unacceptable.
Please contact me Thanks Thanks for getting back with XXXX I believe that XXXX is the voice to advance this into a bill. Way to many good hard working Americans get hurt every day over false reporting. Then it 's up to the victim to try and get it repaired. So even if the victim gets it removed shows all the other creditors the explanation letter from the source of this false reporting. Keeps his other creditors from raising there rates. This will still show as a dip in the credit score since it grades are based on past and present scores. Please consider this to be on the agenda for XXXX I know he can champion this, for the working class people of this great country. Many of us do n't know what to do if this happens or even knows if it happens do n't have the time or know how to try and fix it. It seems like a company such as a Bank or other leading institution should play a greater part. A simple letter of correction should not be all. The reasons we give fines is to keep people in check I believe that the thousands of silent victims will agree that its costly seemingly non-endings and take a great toll on the person physical well being. I myself have lost hair, sleep i 'm distracted at work home while driving Thank you for being our voice XXXX and Thank you for your hard work XXXX
Sincerely
|
| 06/09/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I am missing {$1800.00} in principal payment not applied to my account when my loan transferred from caliber to us bankwhen my loan was set up with caliber I went on a biweekly I made {$1800.00} on XXXX XXXX, {$1800.00} XXXX XXXX, {$1800.00} XXXX XXXX, which paid half of XX/XX/XXXX payment. i still owed the other half of XX/XX/XXXX and my loan was transferring to us bank starting XXXX XXXX was told by caliber to stop the biweekly automatic payment which I did.
since I was on a biweekly, I totally forgot that I made half of XX/XX/XXXX 's payment on XXXX XXXX, so I went ahead and sent them a check from my bank thru bill pay for the full mortgage payment which was {$3700.00} ck # XXXX.
my bank mailed it but caliber did n't receive it and I did n't want to be late, so I called them on XXXX XXXX, they said check was n't received in their system yet. so I was advised by their representative to make a payment over the phone and stop payment on the check that was mailed. I was also informed that I only owe half a payment which is {$1800.00} since I already paid the XXXX half on XXXX XXXX.
so they took a payment over the phone for {$1800.00}.
the next day, the {$3700.00} check went thru to caliber ; caliber, and according to them, applied it to my account although there was a stop payment on it.
when my loan transferred to us bank, I setup automatic payment deduction for {$3700.00} plus an additional {$200.00} to principalwhen the XXXX auto deduction was made in XX/XX/XXXX to cover XX/XX/XXXX payment, us bank took it and sent it to caliber because I had a stop payment on that check and caliber applied the $ $ to my account.
so I made the payment to us bank over the phone to cover XX/XX/XXXX 's payment.
nobody seems to understand my situation here, which is real simple : caliber only applied {$1800.00} of my {$3700.00} towards principal, and I am missing the other {$1800.00}.
I need assistance in looking at my payments made to both banks and resolving this issue asap, it is very frustrating to deal with this issue. no communication between lenders whatsoever.
|
| 10/12/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Caliber XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX XXXX XXXX A complete short sale package was submitted to Caliber on XXXX/XXXX/XXXX. The buyers offer was at $ XXXX. On XXXX we were told the value came back at $ XXXX. On XXXX we were countered to $ XXXX. ( which just happens to be the amount required for a full pay-off - see attached ) We called in on XXXX and spoke to XXXX XXXX. She stated that 2 days ago the investor stated they would no longer offering short sales as an option for a distressed homeowner. The only option the investor would offer was a foreclosure or a deed-in-lieu. I requested a copy of this notification and she said she did not have that, but I could talk to someone in the short sale department.
XXXX then transferred me to XXXX XXXX. ON A RECORDED LINE XXXX stated the investor just changed their guidelines regarding short sales. XXXX refused to provide anything in writing regarding the supposed changes. XXXX stated neither Caliber nor the investor has to comply with State Law regarding notifying the homeowner when any foreclosure prevention option is removed.
Furthermore XXXX was sexist and diminutive to me on the phone, constantly interrupting me with his pathetic oh-its-not-me-its-the-investor-im-just-trying-to-do-everything-I-can-to-help VERBOSE VERBAL XXXX. Unfortunately for XXXX, we have done a lot of short sales and a lot specifically with Caliber, and I know for a fact that he is lying. Caliber is a foreclosure mill and quite frankly we expected to have to file a CFPB complaint in order for them to follow the law.
So far, on this file Caliber has been rude, lied, diminutive, sexist, XXXX, committed elder abuse and mortgage servicing fraud.
Since we have to file a CFPB complaint on every single short sale we have done with Caliber would you like a copy of each complaint?
I want the CFPB to pull the servicing records for Caliber, as it is obviously an internal guideline ( written/official or not ) to force homes into foreclosure. ( Again this is not the first time Caliber has made up fictitious guidelines with us. )
|
| 04/24/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Dear Sir / Madam, I got a home loan from CALIBER HomeLoans on XX/XX/XXXX, due to some credit problems I got an interest rate of 6.5 % on a jumbo loan.
Soon after I got the loan, I lost my job and got another low paying job, but never got late in making a mortgage payment.
In XX/XX/XXXX, I approached CALIBER citing job loss and requesting relief as I could foresee trouble making payments in 3 months not then. CALIBER told me to stop making payments until the loan was modified. It took them 2 months to modify the loan and now forced me to be delinquent by 30 days on my payment, thus adding additional fees and hurting my credit score. I called them multiple times to ask them in XX/XX/XXXXand XX/XX/XXXXrequesting the amount due and the due date, but I never got an answer from them and they just asked me to wait.
They finally switched me to an INTEREST ONLY loan at 6.125 % in XX/XX/XXXX. Since then I have been paying the interest only loan on time every month.
IN mid XX/XX/XXXX, I called up CALIBER again to see if they can help me lower my interest rate as my credit score has become really good over the last year. They asked me to refinance, but I informed them that I am recently self employed and do not have income verification, but I have always been making my mortgage payments on time. So they suggested that I default on a payment and try for loan modification. They said that there is no other way.
I find this incidence and advice weird, they are penalizing me now for being good citizen who wants to make all the payments on time. They are penalizing me with such high interest rate when all the payments have been made on time.
My argument is that the risk for CALIBER is higher if the payment and interest rate is higher an it would be lower if they reduced my interest rate, as it would be easier for me to pay a lower amount. I am without a job and self employed in both cases, high interest and low interest rate. So why is CALIBER wanting to gouge me when I have made payments on time.
Look forward to hearing back from you.
Regards, XXXX XXXX XXXX
|
| 08/24/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
On my note with Caliber Funding LLC. Under section XXXX. BORROWER 'S FAILURE TO PAY AS REQUIRED section ( A ) of my note it specifies " If the Note Holder has not received the full amount of any monthly payment by the end of XXXX calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be 4.00 % of my overdue payment of principal and interest. I will pay this late charge promptly but only once on each late payment '' On the statements Caliber Funding LLC. sends out it specifies " If payment is received after XXXX/XXXX/15, a {$28.00} late fee will be charged. '' I made a payment on XXXX/XXXX/15 and received confirmation of said payment in an email sent by Caliber Funding LLC. on the same day XXXX/XXXX/15 that specifically stated " XXXX Time Payment Received ''. Despite what my Note says and the statement says Caliber Funding LLC. still charged me a late fee for the month of XXXX 2015. I have noticed that they also charged me late fees for the same scenarios in previous months. I called Caliber Funding LLC on XXXX/XXXX/2015 to explain my issue on and the customer service representative did not understand the issue and referred me to the Note. She explained that Caliber Funding LLC charges late fees based on the payment draft date and i then explained to her that payment draft date is not mentioned in the statement letter sent out only payment received date.She then told me I would receive a phone call within XXXX hours from a senior representative. I did not received a call back until XXXX/XXXX/2015 the customer service agent explain to me he reversed my late charges but i explained to him that this affects all customers and is an unfair and deceptive practice. I also explained that no where in the statements I receive or the Note I signed does it say anything about payment draft date, it only mentions payment received date.He said he would take it under advisement. From talking to the XXXX representatives I do n't think they understood that Caliber Funding LLC. is breaking their own Note terms.
|
| 05/04/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
This is a follow up to my initial complaint ID XXXX which I logged on XX/XX/2021. I feel that as a result of me having lodged this complaint, the company decided to retaliate by sending me an official declination letter which among many things does not make sense at all. First and foremost, I used to be an Underwriter and XXXX of the very first things I would do when I receive an application would be to evaluate the character, XXXX, credit worthiness of an individual and when I felt that it fell within the parameters of an acceptable risk, then I would move towards analysing other factors like capacity, collateral etc. This company as I mentioned in my initial complaint was my mortgage company and I had decided to refinance with XXXX loans and the refi was set to close end of XXXX. When XXXX requested a payoff statement from XXXX, they ( XXXX XXXX came to me and advised me that they would refinance my loan and offered to beat any rate that I was offered by XXXX. They requested that I send them the mortgage disclosure from XXXX after I had made an application with them. They locked my rates and on XX/XX/XXXX, I received a text message from them saying I was conditionally approved. All the other details have been provided in my complaint XXXX. My concern is that this company is not only practicing deceptive and unfair practices given that had they not interfered with my original decision to refinance with XXXX, I would not be dealing with this. They are also now applying retaliatory tactics by sending me an adverse letter after I filed a complaint against them and in XXXX of my emails to them, I copied CFPB email. If I was such a risk in their books, I am sure they would have been happy to see me go when I refinanced with Quicken, but now they are sending me a declination letter and after all that, I will continue to remain their client albeit against my wish. Not only has this caused me much anguish, it has tainted my credit due to the unnecessary inquiries by them. I strongly feel that this is not an isolated case that only affects me.
|
| 09/17/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I filed bankruptcy which results in the note being canceled. After bankruptcy I noticed I have a new account number that says my loan had started completely over. At this point I started researching. Ive been in the house for 4 years, paying more money every month than my mortgage statement said I owe. How is it possible after bankruptcy I have a new loan number and my debt started over from the beginning. I DIDNT AUTHORIZE A NEW LOAN. If the loan started over why wasnt I reimbursed the money I had paid towards my loan for the past 4 years.
I started questioning the servicer. The servicer did not answer any of my questions directly.
I paid money towards a modification and the servicer claimed they lost my documents so I had missed the deadline. I sent the documents over 3 times. I have files to prove my claims.
I am aware that a promissory note is equivalent to cash value once signed. I am aware that value has to be given to secure rights that are set forth in the mortgage contract and no value was given in this case.
I am aware that without the original note the mortgage contract is null and void because both instruments are required by law to lawfully foreclose on the mortgage contract.
I am aware that UCC 3-501 requires a servicer to show authority to make a demand for payment. If the servicer will not exhibit the note or perform other legal requirements when requested to do so by borrower, the borrower is allowed to discontinue payments without dishonor until such time as the note holder or servicer complies with ALL laws or contract provisions.
I am aware UCC 9-203 ( b ) defines attachment and enforceability and in order for the security interest to attach the collateral value must be given.
I have contacted the servicer via mail with a certified QWR several times without proper correspondence.
I need CFPB to help me get the answers I seek before this servicer attempta to foreclose on my mortgage illegally and evict me from my property unlawfully so that they can file an insurance claim on a debt that was never valid.
|
| 02/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
We purchased our home on XX/XX/2020. Caliber home loans INC financed our purchase with a conventional loan. We refinanced about a year later with them again, that refinance has the original purchase square footage correct.
After the market values increased tremendously in maryland area we decided to refinance again as we did work to our home, and market value increase to remove the mortgage insurance. We made contact with them ( same rep ), on XX/XX/XXXX, and initiated the process. Spoke to XXXX XXXX First thing is, he never mentioned we didnt need to refinance, just have an appraisal and ask for mortgage insurance to be removed ( we were not aware of this at first ).
It only went worst from there.
The first appraiser they sent profiled our XXXX household, and undervalued the property grossly, but had correct square footage. We contested that appraisal, bringing to their attention as to what happened. They sent a second appraiser, and this time, they didnt take away from the market value, but reduced the square footage of our home from the listed square footage that was on sales papers by previous owner, on settlement papers, and the appraiser sent by the caliber home loans INC in order to go to settlement. We then brought it to their attention that the square footage is not correct on last appraisal, and they confirmed by email, that thats the square footage they will now consider. Completely disregarding that we, according to them now, have been paying for fraudulent amount of space according to the settlement papers and their numbers now, or they are finding a different way to have us still continue paying the mortgage insurance by reducing the square footage, and thus the value. They acknowledge the house has been updated, we presented a list of updates in aproximate amount of XXXX.
By reducing the square footage we are missing the equity by slightly over 3 % less then required to remove the insurance. The 515 square feet would have more then made up for the 3 %.
This can not be a standard practice!!
This is blatant fraud
|
| 11/13/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I can not get assistance from Caliber Home Loans to address my payment transactions. I have paid my mortgage payment every month. I do not pay monthly, I split my payment and send money orders in twice a month. I pay more than required.
I have asked Caliber in writing and over the phone on numerous occasions-Certified Return Receipt Mail to change my address to my correct mailing address which is my home-the property which I have a loan on.
They have refused to change my address. All of my mail goes to my mother 's address which is where I lived before I purchased my home.
No matter what, they refuse to change my mailing address and they return my payments to my mother 's home which I have no knowledge of until I go to my mother 's home and sift through the junk mail.
The only time I get any resolve is when I overnight letters and payments to the overnight address in XXXX. I wind up putting all the returned money orders and send them directly to the overnight address. But I work long hours and can not always get inside the post office to send a Return receipt overnight package. It 's easy for me to just drop it in the mailbox.
Caliber can see the actual dates of my money orders and the amounts. I have proof of every payment-I pull the money directly from my account on my payday.
My money orders are issued during the same month that the payment is due. I may not pay by the XXXX, but I pay before the month is out-splitting my payments.
I tried to set up my account for automatic deductions from my checking account but the system would n't allow me because it said my account was n't current.
I currently owe for the month of XX/XX/XXXX, but before I send my payment out, I would like help from someone at Caliber to go through my account and change my mailing address.
My taxes and insurance should be paid from my escrow account and my insurance agent just emailed me on XXXX XXXX, 2017 to tell me that my insurance policy was n't paid for by my mortgage company.
I need help. I am very very frustrated. I only owe for the month of XX/XX/XXXX.
|
| 02/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American, Servicemember |
|
Once again, you fail the test, XXXX. I closed on a mortgage with you thieves on XX/XX/2021 and everything went well until you " upgraded '' your software in XXXX of 2021. Then, everything went to XXXX. You failed to credit my payment in XXXX, instead adding it to the principal balance. How does a mortgage balance go up with monthly payments instead of down??? I've complained repeatedly and all you do is throw figures against the wall, hoping that some of them will stick. None of them do. Nothing you have done makes any sense at all. The numbers don't add up in any way. I asked you to supply a report that any reputable mortgage company could easily supply - a running balance report that aligns with an amortization table and you refuse to do so. You wouldn't cooperate with the XXXX in XXXX Texas and you sent an explanation letter to the CFPB that is incoherent and makes no sense. The " reports '' you sent are nothing but living proof of XXXX XXXX XXXX maxim : " If you can't dazzle them with brilliance, baffle them with XXXX. '' Since you couldn't get your act together, I refinanced with another company, an honest and reputable mortgage company, and closed on that loan on XX/XX/2021. Now, I can't get rid of you from my credit report. It shows the balance due to the new mortgage company with your name on it. XXXX corrected the error but XXXX says you still hold the mortgage. You don't and I disputed their " resolution ''.
Oh, you've also reported to the IRS that I paid XXXX in interest in 2021. I did not. I paid {$3600.00}.
I had to use a pdf manipulation program to break your " report '' into pieces so that it could be easily understood. See if you can find someone with more than a grade-school education who can understand what you sent.
One other thing : do you know what a telephone is? Do you know how to use one of them? This issue could easily be resolved if you would simply call me. But I guess that is beyond your technical expertise.
You owe me {$840.00}. Cough it up. You are nothing but an incompetent bunch of thieves.
|
| 04/03/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
On XX/XX/XXXX I entered a signed agreement with XXXX XXXX XXXX ( XXXX. ) to represent me in a loan modification program to avoid foreclosure. In this agreement I had to make ( 4 ) four scheduled payments of {$970.00}. Three of four were paid via e-checks. The fourth payment was stopped due to the fact I received my notice of foreclosure from XXXX County PA.Sheriffs Department on XX/XX/XXXX. On this same day I agreed to enter a signed petition under the XXXX County Residential Foreclosure Diversion Program. I have already attended one Conciliation/Case Management Conference with legal counsel XXXX XXXX. The conference was scheduled for XX/XX/XXXX. At this time the plaintiff XXXX XXXX XXXX XXXX had counsel present who requested my proof of income and banking statements for three months. The next conference is scheduled for XX/XX/XXXX Based upon the aforementioned facts XXXX has failed to provide any services to avoid foreclosure. After they discovered the final payment was stopped because I was served with a foreclosure notice. XXXX immediately claimed they got me approved for a temporary trial loan modification of {$1100.00} for ( 3 ) months and no guarantee for a permanent modification or an amount. At this point my attorney agrees that XXXX. is just providing false hope of staying in my home while paying a collection agency known as Caliber. The courts have never been notified of any loan modification temporary or otherwise. Therefore, it is my contention that XXXX. has not provided the necessary services to avoid a foreclosure or Restructure my Mortgage '' as they claimed would be the case in Pennsylvania. Furthermore, they provided documents proving that they are merely assisting the Caliber collection agency to gather three payments of {$1100.00} starting XX/XX/XXXX. Caliber also states that foreclosure would be suspended however XXXX County Court has no knowledge of any legal agreement therefore my home continues to be in a foreclosure status and currently involved in the XXXX County Residential Foreclosure Diversion Program.
|
| 08/30/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I tried for seven years to obtain a home modification. Since I was not receiving any help and after submitting multitudes of home modification packages, as well as thousands of dollars to catch up, I went to court and enjoined the mortgage and FINALLY received a modification. After the modification, I received a statement from Nationstar, indicating I am released from paying PMI, and therefor my payment was changed. I tried contacting XXXX, to no avail. Then I received a notice from Caliber Home Loans LLC stating they had purchased my note but XXXX was still my servicer and I was to continue to send full or partial payments to XXXX, which I did and the payment was returned. On or about XXXX XXXX, i received notice of foreclosure on XXXX XXXX, clearly disregarding laws of foreclosure notice. I contacted Caliber, and they refused to speak to me. Although they claimed I am not the mortgage holder, they said a " cease and desist '' communications was in my file? How is that possible since they never communicated to me? I sent a letter in writing as instructed and received a letter back saying they were investigating my claim of " errors '' made. I then signed in to my XXXX ACCOUNT prior to the foreclosure and received a statement " your loan has been paid in full, if you are on automatic payments, you will be withdrawn and owe nothing further.
On XXXX/XXXX/XXXX, I received notice, without any outcome of Caliber 's alleged investigation, ignoring my requests for production of NOTE or production of document with my signature on " cease and desist communications, that my home was foreclosed. My self and my XXXX young sons are now being threated to be locked out of our home via Sheriff. The notice was from the sheriff was addressed to my teenage son, my mother, who does not reside here, and myself whom Caliber has claimed all along that I have no mortgage with them. The is the most heinous, egregious example of an unlawful foreclosure, using UNITED STATES POSTAL SERVICE TO SEND FRAUDULENT AND MIS LEADING DOCUMENTS regarding the same.
|
| 01/20/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
On or around XXXX/XXXX/XXXX received package of information via XXXX. However the only newly requested document in the package was a Certificate of Incumbency for XXXX XXXX. The other names in a Request for Information letter sent dated XXXX/XXXX/XXXX, a Certificated of Incumbency / Corporate Resolution Authorizations / Power of Attorney for court case # XXXX in the County of XXXX N.C. was not sent. Also, XXXX XXXX was not an Employee or Rep. for XXXX XXXX XXXX of North Carolina or XXXX XXXX XXXX at the time of this transfer and Assignment Of Deed of Trust on XX/XX/XXXX ( see enclosed ). At that time according to Resolution Of The Board Of Directors Of XXXX XXXX , XXXX A/K/A XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX employee of XXXX. XXXX XXXX ( see enclosed ). Therefore XXXX XXXX XXXX was still not an employee or XXXX of XXXX or XXXX, So as a consumer I am still trying to understand how this transfer on new assignment of deed of trust was done " Legally ", ( see enclosed ). I have also enclosed a copy of what I am not sure that my name and address appears on, this is the only other document that was sent by XXXX that might could be an Cert. of Incumbency ( see enclosed ). At this time I am also enclosing lawsuit that I have removed myself from but still remain in the settlement class ( see enclosed ). I have also enclosed a copy of first QWR dated XXXX/XXXX/XXXX the last page. At this Point I as the consumer really would like to see how all of these transfers and filing of documents was done legally but at this time there seem to be a missing link??? Maybe If we can get the transfer paperwork referred to in your last letter dated XXXX/XXXX/XXXX in the " Previous Correspondence '' section page XXXX, which states that " My Loan Was Transferred From XXXX XXXX , XXXX to XXXX Master Participation Trust and then from the Trust to U.S.Bank Trust, N.A. as Trustee for XXXX ( see enclosed ). I am also enclosing a letter from US Bank giving XXXX XXXX the Authority to dispose of these matters as it concerns XXXX XXXX XXXX XXXX XXXX, NC XXXX.
|
| 08/11/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I am attempting to extend a COVID-19 forbearance on a VA backed mortgage that is being serviced by Caliber Home Loans. I attempted to request an extension through their online website and received a message that they were unable to process my request and that I would need to call their phone number. I have previously notified Caliber Home Loans that I am unable to speak to them on the phone due to a XXXX that impacts my XXXX abilities, and requested that any communications between us be by secure message, email, or postal service. I also asked them to suspend collection calls, and they have not honored that request, calling my phone after I submitted that request, sometimes multiple times a day.
I sent a secure message to them asking as to the status of my request on XX/XX/XXXX and have yet to receive a response. I also reminded them of my prior requests to communicate by written means. I have not yet received a response to my concerns, although the automated reply said to expect a reply within five business days.
In my previous communications with Caliber I feel that I have explained my need for reasonable accommodations very well. Caliber has not shown any willingness to work with me on this issue, or even meet me halfway. It is my intention to stay in my home, this being my primary residence and this lack of communication on the part of Caliber Home Loans is exacerbating an already difficult situation. I have also explained that I am working with a person at the VA who can act as an intermediary between myself and Caliber Home Loans, and provided her contact information to them. They have been unresponsive to her as well. Considering that I am at risk of foreclosure and attempting to do a loan modification, which is a very involved process that necessitates communication between both parties, I am concerned by the lack of communication on the part of Caliber Home Loans, and especially that they are not respecting my requested method of communication. I am asking the CFPB to assist me in reaching a resolution to this issue.
|
| 03/16/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Our home is in foreclosure. We have retained an attorney. He has assisted to prevent foreclosure via modifications, mediation, etc to no avail. Our original note was owned by XXXX. XXXX has been servicing our loan. The foreclosure was filed by US Bank as Trustee for XXXX. The problem is that there is no clear assignment of our mortgage note, we are being foreclosed on by an unknown entity. They failed to provide ORIGINAL note or original assignments. The alonge is blacked out and blank. After weeks of research we have discovered that a hedge fund, owned by XXXX purchased a Participation Pool of defaulted mortgages from XXXX. There are XXXX complaints by homeowners and attorneys that this entity is engaging in illegal activity, forging signatures, and filing assignments and along after the fact. They are stealing homes. I have filed 8 modifications and NOT received any formal answer to 1. I offered $ XXXX to assist to bring pmts current, they refused. Our attorney has done all his due diligence he can. They fail to provide original notes, they fail to provide any discovery at all. They claim to have the Certificate that states they have the original notes. Well if they have the original notes then produce the original notes. When we had our mediation, even their own attorney states that there is not 1 person he can speak with with regards to mediations, negotiations, or discussions to save our home. They have no standing. They are seeking a NON JURY trial. As the homeowner I have the obligation to defend my title. They want a NON JURY trial because the banks will have to prove everything. I do n't even know who they are. There are multiple cases and lawsuits against XXXX. They do n't even exist, US Bank does n't even exist nor have they stated they have any trust fiduciary responsibilities with my home. This is another housing bubble created by a wealthy hedge fund. No one seems to care. There is no actual assignment to them, They have nothing but photocopies of my notes. Nothing is original. I need STATE and FED assistance ASAP.
|
| 11/14/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
We purchased a condo in XXXX XXXX, MO in XXXX XXXX. They ran the loan through Caliber Home Loans. First thing, was the property taxes were prorated, so we did not owe the entire year of XXXX taxes. So immediately after the XXXX XXXX house payment, they immediately took out {$1400.00} and sent it to XXXX County Assessment for the XXXX taxes ( which we did not owe ). Not realizing that had been done, then in XXXX XXXX, they sent in {$1100.00} to the XXXX County Assessment for taxes. Well, then in XXXX XXXX, we received a notice from XXXX County stating that the taxes had not been paid. We called Caliber and told them and asked what they did. They indicated that they had sent the payments. They gave me the dates and check number and amounts. Called XXXX County Assessment back, and sure enough they had received those checks, however, Caliber had put the wrong property description on it and since the amounts did not match up, the money is in limbo in XXXX County. Call Caliber back and told them that and that they needed to get ahold of XXXX County Assessment and get the legals corrected so the money could be applied. Questioned them at that time why we were paying the entire XXXX taxes and all I got was that they would look into it and it would take 20 days to fix it. Well, instead of fixing it, they took another {$2600.00} out of the escrow and paid XXXX County so the taxes would be paid. Now, XXXX, we receive notice that they are doubling the monthly payment because we are now in the hole over {$3000.00} because they have mis-handled our escrow account. I called them and demanded a full audit and told them I was not paying for their mistake and that they would have to eat it themselves. I gave them until XXXX XXXX to have it fixed and to return a call to me. As of today, XXXX XXXX, XXXX, I have heard nothing. When I tried to call them, you end up on hold for over 15 minutes or if you do get through, they put you on hold and that is where you sit until you hang up. If they have mis-handled our escrow, who else have they screwed up!
|
| 02/12/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have been fighting in court now for 8 months over major and clearly illegal discrepencies in my home mortgage. The Lenders involved are XXXX and Caliber home loans, while some of my complaint happened while my loan was under XXXX, caliber is doing the exact same issues. I am going to attach evidence I am submitting to the courts tomorrow, I have been working with an attorney, but if I had not been under the protection of a chapter XXXX bankruptcy I surely would have lost my home. I can not believe that the CFPB has not stepped in at this point to do something about this account, undisputed evidence of inflated fees, flat illegal treatment of my original mortgage contract, theft of monies I paid to my mortgage that were intended to go to principal on my loan, illegal stay relief action taken on the part of caliber home loans, pyramided late fees in excess of XXXX dollars, fraudulent " home inspection fees '' over XXXX of them in my loan history, forcing of using XXXX to pay my mortgage, illegal reinstatement fees, and fees for batch filing have already been provided, if the CFPB would merely LOOK at the evidence I and XXXX has submitted they would undoubtedly find a huge number of violations of law. I will continue to submit complaints until something is done about BOTH calber and XXXX, not all homeowners are under the protection of a chapter XXXX, or have the tenacity to fight as long as I have.
In my attachments you will see XXXX cleared payments through check and money order and another years worth through bank statements, NONE of these have been applied to my account, you will also see XXXX XXXX transactions three of these were not applied to my account. In the accounting that caliber and XXXX provided to the court ( attached with my notes ) you will see over XXXX instances in which an illegal action happened on my account. OVER XXXX TIMES THESE SERVICE 'S BROKE THE LAW ON MY ACCOUNT ALONE! Please do something about this. My advice to homeowners, NEVER ALLOW EITHER CALIBER HOME LOANS OR XXXX TO HOLD YOUR MORTGAGE!!!
|
| 03/14/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My mortgage was originally held by XXXX. In XX/XX/XXXX they sold my loan to Caliber Home Loans ( CHL ). On XX/XX/XXXX I received a call from a CHL representative XXXX employee ID # XXXX stating at that time my account had a credit of {$820.00} making the amount due for XX/XX/XXXX {$660.00}, which I paid during our conversation. Since that time to present my account has not been correct. I have made my monthly payments via phone each month paying the amount the representative showed owing on my account at the time including occasional late fees. I started receiving Pre-Foreclosure Notices, the first dated XX/XX/XXXX, sometimes multiple copies of the same correspondence on the same date. At one point the representative I was speaking with told me, when I asked to speak to a supervisor, that none were available, however ; I could speak to someone in a lower position than him or " hold for thirteen hours '' to speak with someone with authority enough to correct my account. Being fearful of loosing my home, and unable to get a clear answer from CHL regarding the actual amount due, I started the Loss Mitigation process on the advice of the representative.
After receiving the application I completed all sections, attached the documentation requested, faxed and emailed the packet to CHL on XX/XX/XXXX. This information was requested again numerous times which I both emailed and faxed on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with additional documents requested sent on XX/XX/XXXX and XX/XX/XXXX. Today, XX/XX/XXXX I received notice that the Loss Mitigation was denied due to the documents requested not being provided. Although on XXXX XXXX, XXXX XXXX, employee ID # XXXX, stated CHL had everything they needed, underwriting had the packet and would have a decision within thirty ( 30 ) days. He also suggested that I phone once a week for a status update.
It has also been brought to my attention that the last half of my XX/XX/XXXX Real Estate taxes due on XX/XX/XXXX were not paid on time and have accrued interest and penalties.
|
| 02/16/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
XX/XX/XXXX - Initial Mortgage Refi application was taken from processor XXXX XXXX. XXXX stated that their loan application volume was very high and that it would take a few months before we would be able to close.
XX/XX/XXXX - XXXX e-mailed to say income docs had not been received. I advised I was waiting for the XXXX tax extension document from our CPA. Income documents were emailed later that same day.
XX/XX/XXXX - I received a letter requesting additional documentation. I called and emailed XXXX as I had some questions about what documents were required. I did not receive a response from him or anyone at Caliber Home Loans. On XX/XX/XXXX, I emailed all the requested documents as I understood them that were outlined in the letter, including documents already sent and asked him to contact me if there were any issues. I received no response.
XX/XX/XXXX - I received an email from Caliber asking me to fill out a survey regarding the " Customer Withdrawn/Canceled '' status of our mortgage application. This was the only notification I have ever received that our application had been canceled.
XX/XX/XXXX - I called Caliber Home Loans and they confirmed that the application had, indeed, been canceled. The person I spoke with said they could not reactivate it and the only alternative was to complete a new application. My original processor, XXXX XXXX was no longer working at Caliber Home Loans.
XX/XX/XXXX - I wrote a letter to Caliber Home Loans at the address provided to me by the person I spoke with that day : Caliber Home Loans, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. I requested that they decision the original application since we provided all documents requested in good faith and that there was no legitimate reason for them to cancel the mortgage application. I offered to send in new documentation, but felt it was unfair to add another credit bureau inquiry due to their error.
XX/XX/XXXX - I still have received no response from anyone at Caliber Home Loans acknowledging the letter I sent on XX/XX/XXXX.
|
| 12/28/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Four and a half years ago, I attempted to short sale my property and vacated the residence. I let the bank know that I was unable to maintain the mortgage for the property as well. At some point the property was secured. XX/XX/2015 I was informed that Caliber Home Loans had taken over the home. I reached out to them to find out how to get the home out of my name and to find out if they would be foreclosing on the property. They could provide no timeline as to when things would progress, when they would attempt to resell the property or if they would foreclose. At this time I still have no information and am burdened with additional financial hardship because the home continued and still continues to accrue Condo Association fees since the time that I vacated. I have not received any documentation that it was still accumulating and thought that since the bank had taken possession and changed the locks that they would now be responsible. It was not until I found out a judgement was granted against me for over XXXX dollars and a they started taking XXXX % of my check each pay to pay the judgment amount that this was not the case. In the mean time the Condo fees continue to accrue. I do not know what period the XXXX even covered so I may be subject to more past due balances that I do not have the funds to pay. I spoke with a realtor to possibly relist the property as a short sale because I owe almost 3xs as much as the current market value and because of the lien/judgment she stated that this may not be the route I wanted to take due to the amount of time it could take to even get an offer which would then have to be accepted at a time when the market is low in the neighborhood in which this home is.. I am pleading to get the process moving forward to get this home foreclosed on or what ever the appropriate measure may be to get it out of my name and stop the bleeding with regards to the condo fees. I can not move forward with my life and start over until the bank does what they need to do with regards to home.
|
| 04/16/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have XXXX concerns with the mortgage servicer, Caliber Home Loans:1 ) I was provided an annual escrow disclosure statement by Caliber Home Loans and notified that my shortage was {$92.00} on XXXX XXXX, XX/XX/2015. I paid the mortgage shortage amount in its entirety ( {$92.00} ) and the funds were posted on XXXX XXXX, XX/XX/2015, but listed on my XXXX statement as " single item receipt. '' I contacted the servicer to determine whether the payment was misapplied and why the monies I sent were not applied to the escrow shortage as directed on my check, and informed that they would counduct a new escrow analysis on my account. In the meantime, my new statements reflect the increased amount of $ XXXX/month from {$710.00} ( prior to the escrow shortage statement ) which includes an escrow adjustment amount of $ XXXX/month which should have been satisfied with the escrow shortage payment.
2 ) I inquired with Caliber Home Lans whether my account was eligible for cancellation of the private mortgage insurance on this account. I faxed a letter on XXXX XXXX, XX/XX/2015 to an address and phone number supplied by the customer service representative : Caliber Home Loans, Attn : PMI Department, XXXX XXXX XXXX, XXXX, TX XXXX and fax number, XXXX. I contacted Caliber Home Loans again on XXXX XXXX, XX/XX/2015 and spoke with XXXX ( ID # XXXX ) who indicated that my request was received on XXXX XXXXXX/XX/2015. Based on my payment history ( no late payments ) and length of my mortgage, he confirmed that I qualify for cancellation/termination of private mortgage insurance ( PMI ). To date, I have not received a written acknowledgment from Caliber Home Loans of my request for cancellation, or instructions on next steps. A review of my statements, however, show that I 'm paying approximately $ XXXX/month in private mortage insurance. I would prefer that those monies immediately be applied to the principal of my loan, and not to a financial instrument that I 'm not required to have, or desire to have any more.
|
| 11/02/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Purpose : Out of forbearance to refinance with lower rate to lower the payment My mortgage lender is Caliber Home Loans. I previously was enrolled in forbearance plan due to my family was impacted of XXXX. I stopped the payment since XX/XX/XXXX and resume the payment on XX/XX/XXXX. I made five satisfaction payment ( XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ) which should qualify to refinance.
After resuming the payment, I was enrolled with load modification to pay the due amount during the forbearance period. The loan modification rate is 3.0 % and I was working toward to the end to send back the document. During this time, I also seeking refinance as an option with XXXX XXXX XXXX which offer 2.5 % rate and to the final stage. I intend to get out of forbearance to refinance with XXXX XXXXXXXX XXXX to lower interest rate to lower the monthly payment including the due amount in the forbearance period. The refinance underwriter have concern regarding to I am still under forbearance and have loan modification hence request the statement. In order to proceed further, I request the statement from my current mortgage lender ( Caliber Home Loan ) to provide that I am not in forbearance nor moving toward loan modification with them.
We had a discussion with the ( Caliber Home Loan ) manager XXXX ( not sure the spelling ) with agent number XXXX to request the requirement on XX/XX/XXXX or XX/XX/XXXX. I inform that I do NOT want to move forward with the loan modification but refinancing with due amount to pay off then move on. But the agent keep repeat that I would need to sign the loan modification or pay full amount to be released which seems misleading and limit my option. It was brought up that this would also report and hurt my credit for the past due hence I have to keep it ( loan modification ) for now to protect my credit score while we working through this process.
For the current process that we will need to document be ready before XX/XX/XXXX to meet the deadline but this keep holding it.
|
| 11/23/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
In XXXX 2015 I submitted all documents to apply for a HAMP with Caliber Home Loans. There has been numerous correspondence with Caliber by phone, email, upload of documents and viewing the website for updates on where we stand. Now five months later on XXXX XXXX one of there XXXX reps stated they will not except the numerous additional documents I uploaded to my caliber account. They stated the documents could not be pictures of them uploaded as I did with many of the most recent ones, going back to XXXX. As I understood, I asked why on XXXX XXXX is it the first time I was made aware of this. Many other XXXX have viewed these documents as I wanted to verify they received them, and only once did a XXXX have me resend a paystub, that he could not read, using this same method as I was on the phone with him. This XXXX received the paystub as I was still on the phone with him and viewed it and confirmed it was received and legable. On XXXX XXXX I then scanned the whole package along with more than requested paystubs to pdf files and emailed them to the email provided for loan modification documents. On XXXX XXXX, 8 days later, I received a letter from caliber stating we were denied the loan modification with a denial reason, that I did not provide caliber with the documents requested. Also I could appeal there decision by XXXX/XXXX/2015, which is 9 days from now. Unfortunately the communication piece is difficult as you are not speaking with underwriting who are handling all the documents. There was never a time lapse of more than a week in providing documents requested. I did have to call on many occasions to let them know the documents were there and had been there for 1-2 weeks. In the beginning of this process our overdue balance was XXXX and our full monthly payments were denied and returned to us resulting in a overdue balance of XXXX. This is my home that I take very serious and would like to resolve my debt more than anyone. My local HUD counselor advised that I file this complaint.
|
| 01/25/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I am filing this complaint in response to letters from both Caliber Home Loans, and XXXX as their representatives, regarding a foreclosure sale scheduled for XXXX XXXX, XXXX. I have repeatedly requested visual proof of the " alleged '' original hand signed loan documents, to which I have received no reply. I sent a RESPA request on XXXX XXXX XXXX by certified mail, to which Caliber was required to respond within 30 days. There was no response from Caliber within the legally prescribed time frame, and when I did receive something from them, the documentation was incomplete and contained photocopies of documents that either did not exist, or which had been altered, from the original file.I have XXXX " different '' copies of the note from previous inquiries on this alleged debt which prove that the original documents have been altered at some point. I also have a photocopy of the " right to cancel/rescission '' document that contains signatures which we have contended were not ours for the past two plus years, since we became aware of the document 's existence for the first time. I went to the title insurance company associated with this file on Friday, XXXX XXXX, XXXX to view their file. I asked them to show me the copy of the " notice of right to cancel / rescission '' form from the original file, as this is the document that we maintain is the forgery, placed in our file that we have never before seen or signed. The form does not exist in the original file, as required by Missouri law, and the office manager has stated he is willing to testify that the form was never part of the original file, thus proving that the form submitted by both XXXX XXXX XXXX and Caliber Home Loans at different points in time is clearly a forged document. I am demanding this foreclosure be stopped as there is no clear evidence that Caliber Home Loans has any legal right to our property, or any debt against it and that their behavior is questionable at best, if not clearly operating outside of the law.
|
| 10/20/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
I emailed XXXX a hardship letter on XXXX/XXXX/XXXX. Received an email from XXXX XXXX, XXXX on XXXX/XXXX/XXXX stating that she would be my contact person. I told her that I was interested in the XXXX program ( Deed in Lieu ). I sent my signed Hardship affidavit on XXXX/XXXX/XXXX.
On XXXX/XXXX/XXXX I started working with XXXX XXXX - Deed in Lieu Negotiator. On XXXX/XXXX/XXXX XXXX XXXX told me that my loan was sold and I had to contact Caliber Home Loan from now on. I thought that was strange because we were about finish with my Deed in Lieu. On XXXX/XXXX/XXXX I received an agreement to sign and return. In this agreement I was told to vacate the property by XXXX/XXXX/XXXX.
I do n't understand how XXXX can sell my loan in the middle of me doing a Deed In Lieu with them. Now I have to start the whole process over.
CitiMortgage title attorney have been looking for liens and judgments since the end of XXXX. On yesterday Caliber Home Loan called to tell me that there was XXXX liens or judgments against my property. A XXXX XXXX tax judgment for {$130.00} and XXXX from when I refinanced in XXXX XXXX Mortgage did n't do a release of mortgage. I was told that I had to contact them to clear everything up. When contacted XXXX. They said that they did n't have any judgments on me. I did n't think so because I receive a refund every year. The XXXX Mortgage is XXXX of my previous mortgage company 's but I do n't understand how I 'm suppose to do a release of mortgage.
I really think that they are trying to stall my deed in lieu process to avoid granting me the relocation fee of {$10000.00} as stated in my signed XXXX agreement. I moved out in XXXX like I was told to do. I did everything I was told to do. I need the relocation incentive payment to pay for overdue utility bills on the property and moving expenses. Now they are asking me to pay rent at my new location and mortgage at the old location. I cant afford all of these expenses.
Any help in this matter would be appreciated.
|
| 04/14/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/XXXX nearly a month after a forbearance was expired on the alleged mortgage, I requested a debt validation and verification from Caliber Home Loans Inc. I did so because Caliber never sent an invoice or statement regarding the detail of the alleged mortgage. Also, I request twice over the phone for a loan modification package. Caliber never sent any correspondence regarding payments until I requested a debt validation by certify record and to receive a response by certified records with 30 days of the letter date. I received the documents days past the 30 days. When I received the " debt validation '' I noticed that Caliber Home Loans Inc, did not supply all the required documents. Caliber Home Loans Inc sometimes stated that he is attempting to collect a debt, but they acted as lender in certain communication letters. They never sent a statement/invoice detailing the monthly amount to be paid. I never received a statement/invoice from Caliber Home Loans. Caliber Home Loans sent me a Notice of Default letter dated XX/XX/XXXX threatening to foreclose. In that letter they have not provided all important information such as all the information regarding the creditor, they listed the originating creditor as XXXX and much more. Furthermore, In the notice of sale dated XX/XX/XXXX Caliber Home Loans did not provide the amount of the debt and statements that I can request validation of the debt within 30 days of receiving this Notice of Sale letter, which is a violation for 15 U.S.C. 1692g ( a ) ( 1 ) and 1692g ( a ) ( 3 ), and many more. I believe that Caliber Home Loans is attempting to collect my personal information from me in order to force me into a contract with them. I observed many inconsistencies/frauds in my inquiries into this alleged debt. Caliber Home Loans have or will be aware of some of the inconsistencies/fraud. There are inconsistencies in the commutations by Caliber Home Loans as well as the alleged mortgage assignment filed in the county clerk.
|
| 07/29/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I received a Affidavit of Default and Notice of Termination of Automatic stay from The Law Offices of XXXX XXXX, which is my mortgage company 's ( Caliber Home Loans , Inc. ) attorney. The Affidavit states that Caliber Home Loans , Inc. has not received my monthly mortgage payments for the months of XXXX, XXXX and XXXX of XXXX for a total amount of {$4500.00}. The Affidavit that was filed is not only false and incorrect, but also shows how poorly ran and inconsistent this company is. For the months stated in the Affidavit, I made payments with a cashier 's check from my bank ; which I went to and obtained statements for proof. Not only did Caliber Home Loans, Inc receive my monthly mortgage payments, my statements showed that all checks were cleared. I gave my attorney proof of all documents and she then sent them over to Caliber Home Loans attorney, XXXX XXXX, and contacted him to explain the situation. He explained he will contact Caliber Home Loans and be in contact with her soon. My attorney contacted me a couple days later and explained that Caliber checked their records and instead of owing {$4500.00} I now owe {$1100.00} instead. And this {$1100.00} isn't for the three months stated in the affidavit, its actually from last year XXXX of XXXX. This is absurd! How do you go from filing a judgement for missing payments for the last 3 months for a total of {$4500.00} to now disregarding that amount and saying, I now owe {$1100.00} for last year XXXX of XXXX. This company is dishonest, unorganized and untrustworthy and that's very disturbing because these are the people that I have to pay every month. My monthly statements that I receive from Caliber Home Loans, Inc. also does not reflect the payments that I have made. Due to the current pandemic and with all that's going on, there is a high percentage of credit fraud and identity theft. This is very unacceptable and to say the least frightening. Attached is proof of documents in regards to this entire situation.
|
| 08/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/2021, I received a notice that Caliber Home Loans paid my property tax for XXXX. I called Caliber and asked why that happened? The customer service rep said she would investigate.
She told me that I was delinquent with my taxes. I told her that I was NEVER late when it came to paying my property taxes. She investigated further and found that I was {$.00} short. I said seriously? She laughed and said yes. With that, I let her know that I would cancel my scheduled tax payment with the city and would send the money to Caliber to so there would not be an outstanding balance.
I called Caliber after the check cleared ( Approx. XX/XX/XXXX ). I spoke to a CSR, told them what happened and also let them know that I wanted the {$3100.00} to be applied to the outstanding escrow account and the account closed as I don't have escrow per my contract. They said they would do it and not to worry.
In XXXX, I received a notice that I my payment would change in XXXX and that I would be forced into an escrow account. I called Caliber several times and was told that this would be taken care of. I got another notice that said my request was denied. The notice stated that I was delinquent with my taxes and I didn't put my request in writing. I put my request and back up documentation in writing. I was still denied.
I called Caliber once again and asked to speak with a manager. I explained to the manager, XXXX, # XXXX, what happened. She responded that I was delinquent with my taxes and I would have to wait twenty four months to have this looked at again.
I explained once again that I was not delinquent, I was short {$.00} cents. I said that they were forcing me into escrow because of {$.00} cents? She would not budge and kept insisting I was delinquent.
I have NEVER missed a mortgage or tax payment. My monthly payment is now going from {$1200.00} to {$2700.00}, An increase of {$1400.00}. My taxes are only {$13000.00}. They are now asking for {$17.00}, XXXX for escrow?
|
| 11/05/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
As of XX/XX/19 I finalized my refinanced with Caliber Home loans. Prior to finalizing I was told that my sewer taxes were to be included in my total escrow and included ultimately in my total monthly payment. Prior to being made aware of this I was asking questions because my total monthly savings wasnt really enough to sign the deal. But once told that my sewer taxes where included and that was the reason my monthly savings didnt seem like a lot. I signed off on it after proof via email that the addition escrow being taken out was in regards to the sewer taxes. About mid XXXX I got a letter from my town saying there was a intent to Lien on my property because of a overdue balance on sewer tax. I reached out to caliber everyday for a week straight to finally have them resolve it. 2 months later I went to pay my mortgage and realized I was now being charged an addition XXXX dollars a month for 5 years to make up for low escrow in the account. Numerous times I explained that there was plenty of money getting taken out to cover both property taxes, insurance and the sewer tax. Ultimately their final decision was to rework the refinance and I was assigned a new loan officer since the original one was no longer with the company. We agreed to go ahead with the refinance at the end of XXXX. We are currently 3 months into the refinance and still havent closed. As every closing date approaches we get more set backs. With that said we have to reach out to caliber to see what the delay is. We are now being told we have to bring almost XXXX dollars to closing to make up for the Loan to value ratio. We did not make this mistake and Calibers only option is to dispute the appraisal In hopes that we can make the money up. I asked what the next step would be after that and was told it is what it is. So due to calibers mistake I have to suffer. I have made one payment so far with the additional escrow added and about to make a second due to their delays and lack of communication.
|
| 08/02/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Caliber Home Loans has taken a total of {$52000.00} out of my XXXX checking account between the months of XX/XX/XXXX and XX/XX/XXXX. The Caliber Home Loans online payment portal and shows that Caliber Home Loans has only deducted {$37000.00} from the total original debt. That is a difference of {$15000.00}.
When I call customer service, they tell me that the funds were returned to my bank account, but I called my bank and they said that my bank statements are correct and no money has been returned ( Caliber Home Loans has not refunded any money to my account ). When I brought this to the attention of Caliber Home Loans Customer Service, they informed me that it can take several days. This descrepancy has been an issue since XX/XX/XXXX.
On Caliber Home Loans website, it shows " misapplied funds '' and " return payment reversals '' in seemingly random amounts on several dates. I was told that at one point Caliber Home Loans had incorrect bank account information for me but, despite that, as of XX/XX/XXXX, a total of {$52000.00} has been removed from my checking account by Caliber Home Loans, {$0.00} has been refunded to my checking account, and only {$37000.00} has been applied to my loan.
I have bank statements showing that Caliber Home Loans has not refunded any money. They have not applied the correct amount to my loan.
When I call customer service it is a new person every time and they have no record of the conversations I've had with other customer services reps so I have to repeat the entire situation again. There is no option to escolate or to talk to a supervisor. I wrote a letter and sent it snail mail to their headquarters which resulted in them responding with an apology letter on XX/XX/XXXX. They said that they would apply the funds and refund the late fees they had charged me because I have never been late in making a payent. To this date they have not applied my {$18000.00} payment to my load and they have not returned it to y bank account.
|
| 02/19/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XX/XX/2019 we paid {$8000.00} in order to put our equity >20 %. We wrote a detailed letter to the Caliber Escrow Dept. seeking elimination of PMI ( complying with their required BPO house value estimate, at a {$100.00} cost to us ) and also requesting elimination of our escrow ( we had done this with our previous house with XXXX XXXX because of similar problems ). We never received direct answers to these inquiries in our letter. We have repeatedly been given the run around, or canned answers that don't answer our questions. We are current on the loan and have never been even a single day late with our payment.
Tired of the escrow abuse. This happened with our last house ( XXXX XXXX ) and is happening again with Caliber Home Loans. Currently, they are in receipt of {$2000.00} they initially paid to XXXX for home insurance ( they paid them but XXXX returned it because we paid it along with our auto insurance ). We believed we would be able to eliminate the escrow and pay taxes and insurance ourself. Also the PMI should be eliminated based on our paying {$100.00} for a BPO estimate. This of course ties into the escrow. If we pay insurance -- and we didn't even request reimbursement from the escrow for the {$450.00} flood insurance after Harvey we already paid for -- then without PMI too, the escrow amount should be around {$700.00} per month not close to {$1000.00} as it is now ( taxes of about {$8300.00} ). What is Caliber doing? Pooling everyone 's escrow to their benefit. There is no reason the {$11000.00} should sit in an escrow account without earning interest, especially when their calculation of the escrow is wrong.
Caliber from day one has gotten their end of the bargain -- timely mortgage payments of principal, interest and escrow. Also after Harvey we have maintained both homeowner 's and flood insurance. Now, we simply want the escrow to reflect accurately the account or, preferably, be eliminated as we are able to easily pay the year end taxes.
|
| 01/05/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I did a refinance on my home with Caliber Home loans, same company that held the previous mortgage, and closed with the title company XXXX XXXX on XX/XX/XXXX. I received an escrow analysis saying that my mortgage was going from XXXX to XXXX a month. I knew it was going to go up but not by this much, so I called Caliber and they informed me that the taxes on the property were going up and there was a deficit in the current escrow to cover the current year taxes. At this point I checked online to see what my new taxes were going to be, and at this point is when I found out that my XXXX taxes had not been paid and a tax certificate had been issued against my property. On XX/XX/XXXX, I contacted the tax collector and paid XXXX because I was worried that I might lose my property before this could be resolved. When I was talking to the tax collector, I was informed that a check had been sent to them dated XX/XX/XXXX check number XXXX in the amount of XXXX from the title company XXXX XXXX. The tax collector rejected the check and returned to XXXX XXXX because the amount of tax owed was XXXX. I called XXXX XXXX and found out that they received the check back and called Caliber to find out what to do with the funds. Caliber instructed XXXX XXXX to return the money to them as the taxes had been taken care of by them. Caliber cashed XXXX XXXX check for XXXX on XX/XX/XXXX but would not tell me where the money went. I have been trying to get this resolved since XXXX, and after hours of being on the phone, being on hold, and finally after yesterday XX/XX/XXXX being told, by a tax division supervisor, that Caliber is not responsible and that the title company is responsible for this mistake. I also spoke with XXXX XXXX, and they say that they are not responsible either. All I know for sure is that I did what I was supposed to do and we almost lost our house putting our trust in to Caliber to protect us from this issue, and now they are blowing it off like it doesn't matter.
|
| 01/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I applied for a loan modification, after falling back on my payments. I submitted documents for a modification in late XX/XX/XXXX. I sent ALL documents the bank requested, as I was cognizant of the faxf that a full application package has to be received prior to 37 days of a scheduled sale date of XX/XX/XXXX. On XX/XX/XXXX, the bank had confirmed that they have a complete package, therefore bearing the 37 days threshold. I was further advised that the underwriter may request other documents during the process if needed. Contribution letter and paystubs from the contributor were requested and sent immediately upon the request. The underwriter then asked for a lease to be completed. When I spoke to XXXX at the bank, he said the lease for the amount of {$900.00} is not complete. XXXX tried fi find XXXX reason the underwriter said that, by examining every page of that lease. He then said its the tenants initials that were missing on page 5 of that lease. I immediately obtained the initials and sent back. XXXX had said it was the last piece of document they were requesting. On XX/XX/XXXX at XXXX. I called in the same day, AND also the day after New Years Day. and it was confirmed as recieved.
Fast forward to today XX/XX/XXXX, when I called in just to make sure things were moving, and was told nothing is being processed because we are within 16 days to sheriff sale, and the underwriter was asking for something else he FAILED to request when he indicated that the initial on the lease was the last thing he needed! Please note i sent in the last document on XX/XX/XXXX and it was confirmed as recieved.
Underwriter failed to request specifically what he needed, so kept on asking for docs that obviously didnt satisfy the issue he had, which up until this minute, we havd no idea what that is. Allbwe know is that we sent ALL documents requested immediately as they were requested and was done befits their designated 16 day day window. It is the banks fault, not ours.
|
| 05/04/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Mortgage check was sent on time and cashed by Caliber Home Loans. A notification of past due amount on XXXX showed a balance of XXXX higher without explanation. A call to customer service on XXXX revealed this to be due to the recalculation of escrow impounds but insisted on a check which could not be delivered the same day.
A follow up call on XXXX expedited bringing the account into balance using a routing number for the balance due but no guarantees were made regarding reporting to credit bureaus. Unapplied funds and the additional payment are to be posted later today ( XXXX ) and a late fee will be removed from the account.
The account does not show contact with credit bureaus has been made at this time, however, I was told the account will show partial payment at the end of the month and may be automatically be sent to credit bureaus between XXXX and XXXX of the month.
Online statement balances show incorrect amounts due to not displaying a late fee and applying the late fee to future payments ( screenshot is available ).
A dispute letter was faxed and mailed on XXXX requesting:XXXX Get all payments made and received by XXXX applied to the loan account ( mortgage payment cashed on XXXX and escrow shortfall paid via routing number ) XXXX. Verify that no contact has been made with credit reporting agencies.
XXXX If contact has been made with credit reporting agencies regarding past due amounts.
XXXX The submission must be reversed as per RESPA rules regarding disputes.
XXXX The submission is requested to be permanently reversed as all payments for the loan principal and interest have been made and all escrow amounts have been paid in good faith within the grace period.
XXXX. Receive a correct explanation of total escrow charges including current total annual escrow amount, current balance, and impact to regular monthly payment.
XXXX. Correct total on the online statement to reflect the current state of the account and render totals correctly.
|
| 03/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Violations of laws and consumer protection rights, lender fiduciary responsibilities, and bad business practices. Caliber Home Loan Company ( XXXX, XXXX ) has been dismissiveness and unresponsive to my request to cancel my escrow account and return all funds to me.
On XX/XX/XXXX, I sent an " Escrow Removal Authorization Form '' to Caliber Home Loans to have my escrow removed. I meet all the requirements to have my escrow removed ( Conventional loan, XXXXXXXX XXXX equity, and loan documentation allowing removal of escrow upon request ). I received a letter back from Caliber dated XX/XX/XXXX, stating that, " Investor requirements or loan type do not allow escrow removal for your loan. '' I contacted Caliber 's escrow customer service on XX/XX/XXXX and spoke XXXX XXXX and requested written evidence and proof of this claim by Caliber. XXXX XXXX was going to escalate my request. On XX/XX/XXXX, I sent a message to Caliber inquiring about the escalation. I received a boiler plate response back and that leadership was reviewing my request. On XX/XX/XXXX, I sent another communication inquiring about my request and receive the same boiler plate response. On XX/XX/XXXX, I called Escrow Customer Service and spoke with XXXX and went over my request with her. XXXX agreed that my escrow should be removed and saw no reason for it not to be removed. While she was attempting to get a manager to address my request, we got " disconnected ''. I called back and spoke with XXXX. He just speculated on my question and was all over the place but didn't have any factual information or knowledge. He said he would escalate my request ( again ). I followed up with a written communication to them. The response I received back indicated that XXXX had addressed all my concerns.
Caliber continues to collect and hold my escrow for their financial gain and will not respond to my request for proof and documentation to support their claim that my escrow is not allowed to be removed.
|
| 08/08/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
To whom it may concern, Im filing a complaint against my mortgage servicer Cailber Home Loans (CHL ) due to multiple foreclosure violations that relate directly to the National Mortgage Settlement ( NMS ) which is the largest consumer financial protection settlement in US history. XXXX XXXX XXXX My loan is owned by XXXX ( XXXX ) and being serviced by CHL, which means automatically by default CHL, is obligated to follow the terms of the NMS of XX/XX/XXXX.
Under the terms of the NMS, which involves CB, it is prohibited to move forward with foreclosure while in possession of a full loan modification request package. On or about XX/XX/XXXX, a full request package including all applicable financials and other requirements was faxed to CHL, and confirmed that it was received by unknown agent of CHL, XX/XX/XXXX. As of XX/XX/XXXX, CHL advised me that a sale date was still pending and that it was too late to review me for modification assistance because my pending sale date is within 37 days of my request. This is untrue, because the documentation was submitted in time for a review however CHL, has not timely uploaded my documents and as a result my family and I are paying a steep price for the error or oversight of CHL. These violations of abuse also infringe against homeowners rights laws which govern the State of Indiana. We are also filing complaints with our attorney general XXXX XXXX and Indiana Department of Financial Institutes commission for lender fraud and loss mitigation abuse. National banks were required to regularly report compliance with the settlement to an independent,outside monitor that reports to state Attorneys General. Servicers had a duty to pay heavy penalties for non-compliance with the settlement, including missed deadlines. Furthermore per the CHL, has also failed to adhere to a settlement conference, which is a face-to-
face meeting with the lender to work out a foreclosure prevention agreement. ( Ind. Code 32-30-10.5 et seq. )
|
| 11/30/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I would like to begin by thanking you for your time and attention to address my concerns. This letter is to explain my recent financial difficulty with paying my mortgage. It started 2013 when I learned my mortgage was increased from {$700.00} to {$1900.00} which is a significant increase.
This was done without any notice that an increase was going to occur. This caused late payments associated with late fees to my account. I have to mention that I have not received the kind of assistance with saving my home I deserve. I was n't provide all the information regarding loan modification, debt forgiveness, or short refinance which would have certainly taken my loan from inflated to XXXX more manageable within the fair market value of my home. During the time I considered a short sale your on appraiser listed the value of the property as {$80000.00} when I owe at least {$200000.00}. Being that I currently reside in the home it would make more sense to work a person living there than to have it vacant. It seems that there has been a personal attack against me and discriminatory practices by Caliber against XXXX XXXX citizens. When I was in court going through the chapter XXXX deposition a young XXXX female explained to the court recorder that she was forced to surrender her property which was secured by a loan from your Caliber Home Loans as a condition of her bankruptcy. I 'm also aware that a class action lawsuit was filed against Caliber Home Loans Mortgage which has been and still is associated with my account.
I am seeking Loan Forgiveness, or a mortgage that is in proper standings with a fair market value of my home. As with many people today, it is difficult to maintain a reasonable standard of economic viability when dealing with predatory lenders.
As recently as the last two months they have been negligent with responding to inquiries from XXXX XXXX / XXXX ( XXXXXXXXXXXX ). She can be reached at the email provided for verification.
|
| 05/08/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Originally submitted loss mitigation application on XX/XX/XXXX. Was informed that paperwork was incomplete ( stated that the pay stub submitted for XX/XX/XXXX had been cut off and was not showing all of the deduction information ). Re-submitted XX/XX/XXXX paystub and XX/XX/XXXX paystub on XX/XX/XXXX. Also informed customer service that I was a XXXX and was paid only once a month. At that point, I was informed to re-submit the application, noting that I was a XXXX on an 11 month contract. I re-submitted the application on XX/XX/XXXX and included XX/XX/XXXX pay stub in addition to XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I contacted the company for an update and was told that i needed to provide the correct tax form. I submitted the tax form on XX/XX/XXXX. I contacted the company for an update and was told once again that my pay stub was missing information. I informed the company that my pay stub was complete and that I explained to the customer service rep how to read my pay stub and where to find the info that was needed. The rep made a note in my file for the underwriter. The rep also informed me that I needed to submit a new paystub for the month. On XX/XX/XXXX, I submitted my pay stub for XX/XX/XXXX. I called a week later for an update and was informed that the pay stub was incomplete. I explained once again how to read my pay stub and was told that a note would be put in my file. On XX/XX/XXXX, I received a letter informing me of my denial with the reason being incomplete package. I called the company on XX/XX/XXXX and was told that the denial was due to my pay stub being incomplete. Once again ( for the third time ) I explained how to read my pay stub and informed the rep that I am only paid once a month. The rep put me on hold and came back to the phone to inform me that there was nothing she could do and that I would have to submit a new application and start the process over. A new application was emailed to me on XX/XX/XXXX.
|
| 03/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I am writing to dispute the mishandling of my escrow account. I recently received a statement indicating that my escrow account has a negative balance due to a shortage in the account. However, upon reviewing the statement and my payment history, I believe there has been a mistake. I have been diligently making my monthly mortgage payments on time and in full, and I am confident that my payments have been applied correctly. Furthermore, I have not made any changes to my insurance or property tax payments that would warrant such a shortage. I am concerned that this mistake has been made on your end, and I am requesting a thorough investigation into the matter. I request that you provide me with a detailed explanation of how this mistake occurred and what actions you are taking to rectify the situation. Additionally, I ask that you provide me with a corrected statement that accurately reflects my escrow account balance and a plan for replenishing the funds that were wrongly removed from my account. Furthermore all this discrepancies started on XX/XX/2022 after I received a refund check from XXXX XXXX XXXX XXXX for the amount of XXXX $ receipt # XXXX XXXX $ were pay to XXXX XXXX XXXX XXXX on XX/XX/2022 and the remaining balance of XXXX $ was left on the check, I spoke to customer service representatives from Caliber Home loans and Corelogic regarding this refund i received and what to do with that money I spoke to agents in XXXX and XXXX to confirm what to do next and they all assure me that nothing need it to be done and I could do with that money as I please, this was deceiving and incorrect information I send 2 letters requesting the transcripts of the calls and they gave me the run around and provide me Inaccurate information saying the transcripts were proprietary information and I need it a subpoena, I am a first time home buyer who come from a non-property-owning family or culture this escrow increased have put a big stress on me.
|
| 06/06/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
A complete financial package was submitted to Caliber beginning on XXXX/XXXX/XXXX. Caliber has an unreliable facsimile as it has not received several faxes from our office in which we have confirmation of fax delivery beginning with the initial submission. Caliber did not allow the borrower 's legal counsel authorization to speak even though XXXX XXXX of XXXX XXXX XXXX XXXX is the attorney of record in their foreclosure and after repeated attempts of faxing Written Authorization to XXXX. XXXX stated they did not receive our authorization for over a period of a month prior to allowing the borrower 's legal counsel authorization to speak on the borrower 's behalf. After repeatedly faxing the Notice of Representation to Caliber. Caliber insisted they did no receive it on XXXX/XXXX/XXXX per Representative XXXX # XXXX, XXXX/XXXX/XXXX Per representative XXXX ID # XXXX, XXXX/XXXX/XXXX XXXX id # XXXX, XX/XX/XXXX- Closed for XXXX XXXX, XXXX/XXXX/XXXX No authorization was received until XX/XX/XXXX. We have had similar incidences with Caliber not receiving documents faxed on behalf of the client with confirmation ( hereto attached ) in which Caliber states they have never received it and thus closed out the borrower 's request. Caliber 's unreliable fax is being used as an excuse to not review the borrower 's request for a loan modification and there faulty fax is preventing the borrower from being reviewed. Caliber has continued to close the file for incomplete documents but has not provided what documents are needed rather verbally or in writing. The missing documents letter ( Hereto attached ) states the file was incomplete but does not advise the borrower what documents are needed. The file is closed sooner than the 30 days allowed for providing missing documents. The borrower has submitted another complete financial package to caliber and request for caliber to review the financial package the borrower has submitted since XX/XX/XXXX
|
| 03/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XXXX of 2022 I had a BPO done on the property for PMI removal. The evaluation came {$140000.00} lower than 3 offers I received on the property to be purchased just few months prior. The CMA on the house is {$500000.00}, Caliber itself send emails each month estimating the value to be at around {$500000.00} and the Evaluation came at {$360000.00}. Upon receiving the evaluation I called Caliber to request an appeal. I was told by a rude representative that that is not an option to me and there is nothing I can do to change it.
After several more calls to Caliber, my case finny made it to the Service Manager, who called me on XX/XX/2022 and stated that she had listen tonal the phone calls I made to Caliber and I was wrongly told that I could not appeal the BPO, and I requested it within the time frame that allowed for the appeal, and because of this reason Caliber will order another BPO at their expense. On XX/XX/XXXX I met at the property with the new BPO to inspect the property. 2 month later, on my XXXX call to the bank to request the Evaluation, I was told that it was not completed because the Broker was not able to reach me and schedule the inspection. Again, I was in the house with the Broker who took pictures, on XX/XX/XXXX.
I tried to talk with a supervisor, with a manager, they keep on taking messaged and no one is calling back. Meanwhile I am paying {$100.00} each month for the PMI.
XX/XX/XXXX I received a call from another Broker trying to schedule a time for looking at the property. Caliber did not notify me they ordered another BPO. On XX/XX/XXXX he came to the house. I do not have any trust left in Caliber anymore. I am worried they are trying to get a low value on the BPO to not drop the the PMI.
XX/XX/XXXX I show a letter saying The AVM ( Automated Valuation Model ) did not meet the LTV requirement.
I feel hopeless. My LTV is about 60 % and its been a fighting to have Caliber drops the PMI. Please help.
|
| 06/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The mortgage was in my daughter and my name with my daughter being principal borrower. During the pandemic her business was shut down completely and in XX/XX/XXXX she received a grant from our county to cover the cost of the mortgage for a few months. The grant was sent directly to the mortgage company and was received on XX/XX/XXXX ( per mortgage company manager ). Due to an error on their part ( they transposed 2 numbers ) upon receipt in XX/XX/XXXX the mortgage was not credited to XXXX bill and therefore was more than 30 days late and was reported to credit bureau. When I called to research the issue I was told by a manager that they are very stern and make no exceptions and our credit scores could not be corrected.. ( My understanding from the government was that mortgage companies are supposed to work with us during the pandemic ) In addition when we paid off the mortgage in XX/XX/XXXX we were charged an additional PMI of {$150.00} after the loan was closed and paid off. When I inquired about the charge I was told they charge PMI in arrears and was told it was from when the loan started originally in XX/XX/XXXX and then the story changed and I was told it was from XX/XX/XXXX.
I spoke with a manager of the company on XX/XX/XXXX requesting that our credit scores be corrected. She told me she would put in a request to the credit department and it could take 3-4 weeks for a response. I was told if I did not get a response by XX/XX/XXXX to call back. On XX/XX/XXXX I called back and was connected with a different manager. During the phone call she stated she was in contact with the other manager and had not yet had a response from the credit department. At that time I stated I was going to be contacting the XXXX as well as CFPB to file complaints. The manager asked that I wait until Tuesday, XX/XX/XXXX for a response as Monday is their highest call volume. Today is Wednesday, XX/XX/XXXX and I have not yet had a response.
|
| 06/27/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I was previously with XXXX and I started doing a loan modification with them and in the middle of the loan mod they sold my loan to another lender XXXX and this lender send me to another lender XXXX and so on... In the meantime I did not receive any information of this until after I received a trustee sale date and when I called Quality loan Trustee I asked them who is the loan with they said Caliber Home Loans I asked them what was the loan number and they hung up on me. I called around XXXX times to them and they kept hanging up on me. After XXXXcouple days of this I finally got a hold of someone who helped and provided me with a loan no. I called Caliber home loans gave them my social, the loan no. provided by quality loan and they kept hanging up on me as well. When I call caliber home loans and they ask me to enter the loan number which I did but the phone kept hanging up on me after I put in the loan number. I also went online and printed a loan modification packet, I filled it out and put together a full packet by the RMA instructions and I faxed in to Caliber home loans. The next day I called them asking them if they received my fax they said they did not and I told them I have confirmation but they hung up.
I called them couple days later and asked them about the fax and the loan, they kept asking me for the loan number which I only received from Quality loan but they say that's not it and hung up. I even gave them my social date of birth which by that information they should locate my loan but they cannot and hung up again.
I don't know what to do anymore and how to work with this company. I have a sale date scheduled XX/XX/2015 and am very worried that they are doing this to just say oh you did not send us any docs for a loan mod and then they will just sell the home. How can I get a hold of them so I can work with them?
Please help me as this is getting out of hand and getting very close to the sale date.
|
| 05/26/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
My complaint is against my current mortgage lender, Caliber Home Loans. To start, I've been in the mortgage industry for almost 20yrs and I am shocked and dumbfounded by the deception of this company and the constant harassment I've received and I've kept documentation for proof. First off, the prospect of removing my Mortgage Insurance with this company seems impossible. I have way more than 20 % equity in the home and my MI is eligible to be released, but when I've called ( after receiving refi offers from Caliber ) they say I am not eligible without giving a reason. They also refer to my escrow shortage ( I currently escrow with Caliber ) as being delinquent which is not true. When I thought I was ready to drop my MI, they took my payment from XXXX to {$1900.00} to account for this shortage which is a ridiculous increase and forced me into my next situation.
I applied for the Safe act forbearance in XXXX only to be approved immediately on XX/XX/XXXX, then I was sent a letter dated XX/XX/XXXX from Caliber saying it was denied and there are better options for me? How is this the case? When the federal govt decided to offer this great assistance, was it determined the lender can deny it ( I have a fha loan ) and tell me I should modify loan or sell? I am constantly harassed by Caliber with phone calls to the point I had to block them. I have record of a call everyday going back over 60 days. I have advised them many times I use this phone for call but that only seemed to intensity the call.
Again, I've been in this industry for a long time spanning from XXXX, XXXX XXXX XXXX and now XXXX XXXX and I have NEVER EVER, seen this type of practices. I have consulted a real estate attorney in this matter as well but I am hoping and praying the correct action is taken and this company is investigated because they are taking advantage of people in times when people need help. It's wrong. If needed my Loan # : XXXX Thank you!
|
| 04/29/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I am filing a complaint due to the issue of my mortgage bank being uncooperative with me in order to settle up on my payments and avoid foreclosure on my home. Fives years ago the co-owner and I split up and he left the home. He cut all ties financially with me and quit his job making it difficult for me to keep up on payments. I applied for a hardship program through XXXX a little over a year after we split. But it still was difficult and eventually I was unable to make payments and provide for my children. Last year my mortgage was bought out by Caliber Home Loans. They sent me a payment agreement consisting of interest only payment with escrowed insurance and taxes. I was interested in this of course. When I contacted them they informed me that the co-owner had to sign the agreement also. I informed them of my situation and they still would not work with just me on saving my home. Because myself and co-owner were not married there was no distribution of property when the relationship was dissolved. I was left with all the bills and providing for the child we have in common. Again two weeks ago on XXXX XXXX I contacted them concerning the possible foreclosure and my application of loss mitigation. I provided them with everything I could. The only document they were missing and required was a signed letter from the co-owner stating he would sign the modification. Which they were well aware of in my application letter that he refused to do due to going through family issues concerning child support. With all this information I believe that Caliber should assist me without the consent of the co-owner as I am the one still living in the home and paying the bills. The ending result as of XXXX XXXX the courts have granted the bank counsels motion to appoint a referee and grant a judgment of foreclosure. I do not want to lose my home that I share with my children. The only home my son, the child we share, has ever lived in.
|
| 09/06/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
This loan servicer has been unreliable and impossible to work with since closing on the loan.
In XX/XX/XXXX we were notified that our mortgage company did not pay our hazard insurance premium and they were going to cancel our policy. So we paid the premium out of pocket.
In XX/XX/XXXX we were noticed by our local city government that we had n't paid our property taxes and were facing a judgment. These also were to be paid by the mortgage servicer via Escrow.
In XX/XX/XXXX the mortgage servicer sent us a notice that our Escrow account projected balance was too low and we needed to send them {$440.00} to settle it, which we sent on XX/XX/XXXX.
In XX/XX/XXXX we requested that our Escrow account be removed and refunded so that we can just continue to pay our insurances and taxes out of pocket on our own since they continued to make errors and they denied our request.
In XX/XX/XXXX we received a notice from our flood insurance servicer that our flood policy had n't been paid and they were going to cancel our policy. Again this is supposed to be paid by our Escrow.
InXX/XX/XXXX we recieved a notice from the mortgage servicer that we did n't have a home owners insurance policy on our property so they were providing us one, we do in fact have one.
In XX/XX/XXXX we received yet another notice that our Escrow fund was low and they need a check for XXXX.
If they are n't paying our taxes, are n't paying our insurances how is the fund low? Further more I 'm a XXXX and my husband is a XXXX XXXX and we own 3 homes ; neither of us have ever seen anything like this in 15 years. Additionally, all of my clients that are serviced by this mortgage company have the same complaints. I want to open and investigation into the Escrow funds to see if they are servicing them appropriately and if there is any mishandling or commingling of the funds in some way to pay the companies debts or something, because this is just insane.
|
| 07/09/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
XXXX BANK SOLD THIS LOAN TO CALLIBER HOME LOANS AS OF XXXX. THE HOME HAD A SET SALE DATE BY XXXX. XXXX FAILED TO INFORM THE CUSTOMER ON XXXX WHEN THEY SPOKE TO XXXX XXXX THAT THE LOAN WOULD BE SOLD AS OF XXXX. FURTHERMORE, XXXX FAILED TO SEND THE MODIFICATION PACKAGE TO THE NEW LENDER CALIBER HOME LOANS. IT TOOK CALIBER HOME LOANS XXXX DAYS TO " BOARD '' THE LOAN. THE MODIFICATION PACKAGE WAS ALSO SENT TO CALIBER HOME LOANS, BUT SINCE THE LOAN NUMBER WOULD NOT BE GIVEN, CALIBER DOESNT KNOW WHERE THE DOCUMENTS WENT.
" IF THE LOAN NUMBER WAS NOT BOARDED, THEN THE DOCUMENTS WERE IN LIMBO '' STATED BY SUPERVISOR XXXX WITH CALIBER HOME LOANS.
THERE IS NO EXCUSE FOR XXXX NOT TO HAVE SENT THE COMPLETE MODIFICATION PACKAGE TO NEW SERVICER.
THERE IS NO EXCUSE FOR THE NEW SERVICER TO HAVE A SALE DATE SET IF THEY DONT HAVE THE LOAN SET UP. XXXX DAYS AFTER THE TRANSFER OF THE LOAN, THE LOAN WAS FINALLY SET UP BUT THE SALE DATE WHICH IS STILL SET FOR XXXX DOES NOT GIVE AMPLE TIME TO REVIEW THE LOAN FOR ASSISTANCE PER CALIBER HOME LOANS. CALIBER HOME LOANS HAS STATED THAT THEY ARE LOOKING INTO THE DOCUMENTS WITH LOSS XXXX AS WELL AS REACHING OUT TO XXXX. THE INABILITY OF THE LENDERS TO MAINTAIN A FILE IS INEXCUSABLE. CALIBER HOME LOANS STATED THEY DID NOT RECEIVE THE DOCUMENTS WHEN SUCCESSFUL FAX AND EMAIL CONFIRMATIONS WERE KEPT AS A RECORD.
FURTHERMORE, CALIBER HOME LOANS FAILED TO SEND THE HELLO LETTER WITH THE NEW LOAN NUMBER, AND WERE ONLY ABLE TO PROVIDE THAT INFORMATION AS OF THE XXXX DAY.
AT THIS TIME WE ARE DEMANDING THE POSTPONEMENT OF THE SALE DATE OR XXXX XXXX WILL ASSERT HIS LEGAL RIGHTS NAMING BOTH XXXX AND CALIBER HOME LOANS AS DEFENDANTS.
XXXX AND CALIBER HOME LOANS ARE DISCRIMINATING AGAINST XXXX XXXX BASED ON RACE ETHNICITY, MARITAL STATUS, LANGUAGE, AND THE FACT THAT XXXX SERVICERS CONTINUE TO FORECLOSE AFTER THEY CONFIRMED THE HOLD UP AND GRAY AREAS WITHIN THIS SITUATION ONLY CONFIRMS THIS ALLEGATION.
|
| 10/27/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
There was a huge rush at the end to prepare my documents and the HUD statement kept going back and forth because the Caliber Team XXXX XXXX XXXX XXXX could n't get it right. They finally said they got it right and I thought I had just had the most wonderful experience ever.
I found several months later that they dropped for the final HUD the XXXX HOA fees that were part of the estimates and part of the first several HUD statements as we moved towards loan closure. In the back and forth Caliber obviously dropped the HOA fees, but when I started calling to find out why they HOA was past due and not paid the troubles started.
Caliber Customer Service told me I had to call their own company and figure this out. They refused to. After that enraged me at such poor and troubling customer service, a manager finally said I will do this out of the goodness of my own heart. No that is n't a good message to deliver to a customer. So I tried calling the mortgage broker and left messages until I got XXXX team. Only to be told they did n't do anything wrong but they would look at this to see what they could do to help me!
Again not the right type of message to give a customer. XXXX only made matters worse when she did return my call she went directly to : We provided everything in the HUD statement and you signed it. Not anything like we might have made a mistake, let 's find out. The arrogance and lack of humility has been in every statement from XXXX since. Calm down XXXX and do n't get upset ; you signed the HUD statement and if you did n't catch it then it was n't wrong. Not one word in her text or emails have been ; let 's see what might have happened. I have all of the original HUD Statements showing the fees covered, so what am I to think but Caliber made a mistake. To add the arrogance of not even indicating let us help to find if XXXX was made or not ; No Caliber is n't the type of company you want to work with.
|
| 12/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Since XXXX of XXXX my loan has been transferred to Caliber Home loans. The first month after acquiring my loan Caliber attempted to change my monthly payment. In XXXX of XXXX Caliber sent me a refund check stating that I had overpaid. Soon after that I noticed that they were escrowing my taxes and insurance. Since my retirement I have been paying my own real estate taxes. The insurance has gone through my previous mortgage company but I would rather get my own insurance. All of this was being done despite the fact that my previous lender sent out a letter stating that the terms and agreements in loan would not be changed. Each and every month I sent my mortgage payments to the post office box listed for Caliber and the payments were received on time per my postal delivery confirmation printout. The payment for XXXX XXXX was never sent to my bank. I mailed that payment to Caliber, the same address that I had always used before, on XXXX XXXX by priority mail. I finally received the check back around XXXX XXXX from a different mortgage company that was also in Texas, undoubtedly XXXX that they know. Caliber has charged me about {$420.00} in late fees for XXXX. I know for a fact that it is not possible because I have always sent my payments with delivery confirmation that shows the date in which Caliber received my payment. I believe that this company is attempting to manufacture a default. The late charge is {$25.00} and even if I were late every single month, the most the late charge could be is {$300.00}. This company is now claiming that I owe them over {$9000.00} in fees and payments. I am retired and have always made my mortgage payment every single month. They are trying to steal my property. My XXXX payment was received at their address on XXXX/XXXX/XXXX but the check was n't processed at my bank until XXXX/XXXX/XXXX. They have just sent me a right to cure default letter threatening foreclosure in XXXX.
|
| 09/18/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I previously filed a complaint, to which Caliber Home Loans responded, however, their response is inaccurate.
They indicated that I had a cease and desist with my former servicer XXXX, which was false, and that the cease and desist follows my mortgage. In the same vein, they stated that they have no modification information ( which was included in court order ) and that information does not follow the mortgage? How is it possible?
They continually refuse to speak to me, although I have a court order stating myself as the co-borrower and therefore should be communicated with as such.
Per instructions from a representative of XXXX XXXX XXXX XXXX I sent in writing authorization to speak with me. I received a response, that they would investigate my claim of error, and instead my home was foreclosed on. I was denied my legal rights to pursue any and all avenues to prevent the foreclosure, which took place outside of the legal time of notification by. Using the United States Postal Service, Caliber has sent false and misleading documents regarding my mortgage, their impending investigation into my claims of error. Caliber indicated their release from PMI was due to my mortgage status. Again, this is false and misleading as Caliber was not involved in the release of PMI and no such statement was made that PMI was being released due to default.
After I filed my initial complaint with CFPB, I received another letter from Caliber Home Loans dated XX/XX/XXXX stating " acknowledgment of receipt of my correspondence and we will perform the necessary research and respond within the time period required by law. '' This is the same letter that I received on XX/XX/XXXX from Caliber home loans " Notice of Error, Request for Information or Qualified Written Request. This information has continually been sent to Caliber Home Loans, Inc ATTN : Customer Support and Escalations Team XXXX XXXX XXXX XXXX XXXX Oklahoma XXXX
|
| 05/11/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/2019, I scheduled my monthly mortgage payment for Caliber Home Loans. Caliber has an antiquated system for taking my payment and took the payment late. By taking it late, they filed a late payment charge with all my credit companies. I called them numerous times to point out this was their fault not mine and had proof of such fault in email which showcased I put the payment in on XXXX XXXX to pay Caliber on the XXXX ( when payment was due ). Caliber has been extremely rude with this situation. I've had their customer service swear at me, state this is my problem and that I should have known it would take them days to process my payment. This didn't add up so I filed disputes with my credit companies but Caliber has won them every time. I hired a law firm who was able to get one of the credit companies to remove the mark but the other two credit companies : XXXX and XXXX still have this mark on my credit history. In addition, the law firm was in constant contact with Caliber for over a year and Caliber continued to send actual mail to me stating that they reviewed everything and they're right I'm wrong. But over the past year, they continue to call me and send me emails and snail mail about refinancing my mortgage etc. Therefore, they want my business but they're unwilling to admit they were wrong and in the process have ruined my credit life.
I have email proof I paid this payment on time, scheduled it on time and that Caliber took to long to process this payment. That's not my fault they don't have the capability to process payments on time. Banks can take a check deposit within seconds of us uploading the check so why does it take Caliber 1-3 days to process a payment? And why are they so adamant on not fixing this situation and admitting fault? It's ruined my credit for no reason besides their incompetence. It's hurting my family and makes me never want to do business with them ever again.
|
| 03/03/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I have already filed a complaint against Caliber Home Loans # XXXX but again feel it is necessary to file another complaint for red-lining. In the 21st century in the year 2020, I sincerely believe this particular underwriter has worked relentlessly to find every reason under the sun to deny me due process for this loan approval and this is a discriminatory racially motivated action. I have worked tirelessly with Caliber Home Loans in an attempt to provide all of the requested documentation to comply with the underwriter 's stipulations for loan approval to no avail. After giving all documentation from the beginning of this second process to receive approval to move forward with the loan based on having 30 days of paycheck stubs and now in the tenth hour, she has again come back to the loan consultant with a final decision saying I could not use my current income to qualify for this loan and can only get approval with a co-signer. How can this be possible that current/future income can not be used is beyond belief. I was told that my past income could be used for the loan but not my current/future income and this makes no sense because my mortgage payments would be based on what I am receiving now not the past income. I need a detailed written explanation of why everything I did was further exacerbated to the point of denial. The impact of hardship that this company has placed on me can not adequately be explained. I am pregnant nearing delivery and the stress of all of this has had a direct impact on my health as well. I have spent unrecoverable money, have no current place to live at the end of XXXX, not to mention the time involved to go through this process is ridiculous. This company should be investigated for what is happening. How many others have experienced this type of treatment. I will not let this go and work just as hard to expose this type of process so others may not have this experience.
|
| 01/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
My current lender is Caliber Home Loans. I was contacted by Caliber approximately one year after my mortgage was issued to refinance at a lower rate. It was described as a " no-hassle '' refinance since I was an existing customer. I filled out the refinance application and was contacted by a representative ( XXXX XXXX ). I was prequalified in XX/XX/XXXX. I received a call from an underwriter with regard to an IRS Lien on property I used to own. I informed the underwriter that the Lien had been released and forwarded a copy of the lien release. I was then informed that the release did not cover the dates in question and that they would need to request a subornation from the IRS. This all occurred in October of 2019. I then contacted my refinance representative to get an explanation with regard to my application. This was all a surprise because any lien had not been a problem when I received my mortgage in XXXX because I was on a repayment plan with the IRS and nothing had changed. Mr. XXXX said that he would check on things and get back to me. I also left messages with Mr. XXXX 's supervisor. A few weeks later I received a notice in the mail informing me that " because I voluntarily withdrew '' my application they wanted me to answer a survey about the service I received. THIS WAS CATEGORICALLY UNTRUE. I immediately attempted to contact Mr. XXXX by telephone and e-mail and left a message requesting a response. He did not respond to my e-mail and left a message on my voicemail to call him back about the status of my refinance. That was in XX/XX/XXXX. I have called and e-mailed numerous times with no response. This week ( XX/XX/XXXX ) I sent an e-mail once again requesting an update on the status of my refinance to no avail. I believe that Caliber has engaged in unfair and deceptive trade practices with regard to my loan application and its processing and I am requesting assistance in rectifying the same.
|
| 09/26/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I had a negative experience with Caliber Home Loans. I first received a notice of delinquency from the County Assessors office in XXXX XXXX, indicating that my property taxes had not been paid for the XXXX property tax year. I contacted the lender several times, and was unable to get a clear answer on the situation. I was assured multiple times that they would be handling the issue, and paying the taxes, and that I would not be responsible for any late fees, and penalties as a result of this situation.
In XXXX XXXX, I received a certificate of redemption from the tax collectors office, stating that my taxes had finally been paid. However, after receiving the Annual Escrow Account Disclosure from Caliber Home Loans, I realized that they had paid the XXXX taxes, in addition to the late penalties, from my escrow account. I am not responsible for any late penalties accrued, due to late payment of the XXXX property taxes. I contacted Caliber Home Loans to let them know that they had erroneously withdrawn late penalties from my escrow account, and that I should not have been responsible for their mishandling of my account. In discussion with customer service, and after their refusal to allow me to speak to a customer service supervisor, I was told that the reason the taxes were not paid was due to the false allegation, that I had supposedly given them the wrong lot number for my property. Caliber Home Loans acquired my loan from XXXX in XXXX of XXXX. Caliber Home Loans paid the XXXX taxes upon receiving my loan, without issue. All the necessary information pertaining to my property is on the trust deed, which they 've had since acquiring my loan from XXXX.
In addition, as a result of their mishandling of my escrow account, the new Annual Escrow Account Disclosure statement activity for the next 12 month cycle indicates an unrealistic shortage amount, which is not in accordance with RESPA recommendations.
|
| 12/15/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
I completed a modification application with Caliber home loans and was denied a regular mortgage and was offered an Interest only for 5 years at 5.125 %. Because I believed this was my only option I signed the agreement and continued to make payments after my completion of a 3 month trial. I checked on line after 2 months because I never received any information from Caliber since by signing I was suppose to be taken out of foreclosure and I notice the last payment posted was from XXXX which was the end of my trial period and no mention of the funds I sent since I signed and sent the agreement.
Caliber was accepting my money and failed to acknowledge they did not receive the agreement, yet cashed the checks. I am now forced to sign and have a notary sign the agreement again. If I did not call I would have been paying and believed I was out of foreclosure and they would have continued and I would be evicted and homeless. I was never notified the reason for the interest only payments only given different reasons from the various people who answer the phone when I called. I was told if I declined the agreement I would need to complete another modification, however, it would have the same information, my funds would be kept because of the back money owed and nothing would be applied to the principle until those funds are paid.Another person said I could appeal and did not tell me the appeal process. I find their behavior unacceptable.
Caliber home loan took my money and did not acknowledge they did not receive the agreement for almost 3 months, then when I complained threaten me with completing the agreement or they will continued the foreclosure. My account is not being service properly, my questions are not being answered by people who have the authority I always receive a different answer. I am being judged on my pass inability to pay my debts and not on my Current behavior to rectify my situation.
|
| 08/26/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I am applying for a modification with Caliber Home Loans. I have submitted all required documents. But they have not postponed the foreclosure sale scheduled for XXXX XXXX. I am really worried they will foreclose and I will lose my home before there is a chance to review my application.
I have worked real hard to get everything in, even though there have been delays caused by Caliber. Every time I send something it takes them up to 5 days to even confirm if they received the documents. Sometimes they reject documents without any good reason. For example I sent a XXXX page fax on XXXX XXXX. I am attaching the fax confirmation page. I paid to send it from the XXXX store. The worker sending the fax noticed that one of the pages did not go through right. So she put that page at the end of the fax to make sure it got through clearly. Caliber said they did receive the fax, but because that page was on the end of the package instead of in the middle, they rejected the whole thing. Since it had taken a few days for Caliber to process and inform me they were rejecting the package, this caused a delay. I then had to re-send the whole package. Another time before that I sent an XXXX form and XXXX along with bank statements, XXXX forms, and other documents. Caliber rejected the whole thing because I had not faxed a page that was attached to the original form that had a " notice to borrowers '' but did not ask for any information from me. So I had to re-send all of that, again after several days of delay while I waited for Caliber to process the documents and then let me know they could not find those pages.
This is even more frustrating because earlier this year Caliber illegally foreclosed on my home. I made a complaint with CFPB ( complaint XXXX ) about how they broke FHA loss mitigation rules, failed to respond to the modification application I submitted through a HUD certified counseling agency, etc.
|
| 05/16/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
On XXXX/XXXX/15, I wrote a check to Caliber Home Loans for a mortgage payment of {$1800.00} for my mortgage payment. Someone from Caliber Home Loans physically wrote /altered my check and wrote {$2800.00} below the amount on the check although it clearly states {$1800.00} on my check. My bank ( XXXX XXXX cleared the check for {$2800.00} which caused fees and overdrafted my checking account and held my money for days. I personally went to the bank and they advised me that they sent the check back for a " coding error ''. ( I pointed out to the XXXX bank manager that it is not legal to alter a check. They did not seem to care XXXX, however, the check should have been destroyed.I further notified Caliber to report the problem. Although I was contacted, they were not at all helpful and did not seem to care that XXXX of their representatives fraudulently altered my check. I thought the issue was resolved, however, on XXXX/XXXX/15. the SAME check reappeared debited out of my bank account to which it says " this is an image of a check which was reported missing or destroyed. I again contacted my bank to which I was charged fees etc. who put a stop payment on the check as I requested. The bank did not seem concerned in the least that a photocopied check was submitted although their own checks reveal that checks that are altered or photocopied should not be cashed. I then contacted " XXXX XXXX '' from Caliber Home Loans who stated that she looked into the matter and reported that " it was an oversight or accident '' that someone wrote on the check, however, claimed Caliber never sent in the check again for processing. On XXXX/XXXX/15. I received a letter from Caliber that I was charged money for the " dishonored '' check. I also noticed an additional fee on my mortgage statement. I was not the one who altered the check nor caused this situation. Any other individual who altered a check would be arrested!
|
| 04/10/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I closed on the sale of my home on XX/XX/XXXX. The title company representing the buyer ( True Title Company ) sent a payoff check via XXXX overnight to Caliber Home Loans on the same day. The check was in the amount of {$170000.00}, which was the amount stated on the Payoff Letter provided by Caliber with a good-through date of XX/XX/XXXX.
The payoff check was received on XX/XX/XXXX - confirmed both by XXXX tracking as well as Caliber themselves. Caliber returned the check to XXXX XXXX XXXX that same day, citing a payoff shortage. AT NO TIME DID CALIBER CONTACT ME.
This in spite of the fact that the payoff check was sent with a letter from me, instructing them to deposit the check even in the event it was " short '' for any reason.
XXXX XXXX did not process the return of the check ( which was sent only via standard USPS mail ) until XX/XX/XXXX. At that point XXXX XXXX contacted Caliber to demand that they honor the original payoff letter. Again, XXXX XXXX 's check was returned to XXXX XXXX - and only then - on XX/XX/XXXX - did Caliber contact me.
XXXX XXXX finally learned that the reason for the shortage was a payment to my insurance company 4 days prior to my closing ; Caliber never updated their payoff statement.
In the end, to ensure that the lien was paid off for the new purchaser, XXXX XXXX paid off the home loan for {$170000.00}. XXXX XXXX is now requiring that I cover the shortage in the payoff from the date of closing through the date of the original rejection letter - meaning I owe XXXX XXXX {$680.00}. ( XXXX XXXX has agreed to pay the remaining balance for the time it took to contest the short payoff ).
Caliber 's behavior has been unacceptable. They : - failed to honor their payoff statement ; - failed to follow my signed, Letter of Direction ; - failed to contact me in a timely manner ; - caused me a monetary loss of {$680.00} ; - caused stress, time and other issues.
|
| 10/16/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I contacted Caliber after I moved in on XX/XX/XXXX and on XX/XX/XXXX my ceiling fell, and on XX/XX/XXXX damage to dining and basement from heavy rains. I spoke to Caliber home on 3 occasions. One the first call the representative told me that he would send out an application for a Forbearance. I filled out the application and returned it. I received notification from Caliber that my loan was in review for modification but not forbearance. I called and spoke to a second customer service rep who indicated that I would not receive a ding on my credit report because my account was not actually 30 days past due and that it was in modification. On XX/XX/XXXX, I received a 30 day late on my loan and immediately called Caliber but could not get through until XX/XX/XXXX. I spoke to a customer service rep and supervisor who both indicated that the previous reps did not give me the correct information. I advised that I have a late payment on my credit report and I want it removed because I was told that I would not receive any ding on my report. The Supervisor, XXXX at first did not believe me, but finally agreed to listen to the conversation with both reps and advised he would try to get XXXX payment updated. I advised XXXX that as a company and holder of my mortgage they have a duty to provide the consumer with correct information. You can not lie to the consumer on a recorded call, send documents that support the lie and then say no we can not use that program so you now have a late payment on your file. I advised XXXX that I do not have any late payments on other bills, in addition, I work for the federal government and can not have inaccurate information reporting on my credit report. I hope CFPB can assist me with this situation. It's so unfair that I have to go through this as a new home owner especially given the catastrophic damage to my home three days after my young daughter and I moved in.
|
| 04/07/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
We began to fall behind on our mortgage in XX/XX/XXXX, we contacted Caliber, they appear to be very helpful and let us know we can take our back mortgage and divide it out over a 3-month period. You pay your current mortgage and part of your past due. We were given a new due date ( the XXXX and not the first ) so we are making our payments on the correct date, what they did not disclose is that even though we were making our payments on the new given date of the XXXX they were reporting it as late because it was not on the first. In XX/XX/XXXX we then went to them and did the mortgage modification plan, again, set up with a new due date. If all payments were made on time your mortgage was modified and you were given a lower mortgage. But is the Caliber style, the payments showed up as late. We now have ( 4 ) 120 days past due on our credit. We sold our home in XXXX XXXX and our mortgage was paid in full. I have contacted them several times, disputed this with not only Caliber but also the credit reporting agencies, they refuse to take the inaccurate reporting of late payments off our credit report preventing us from purchasing a new home. They take advantage of people desperate to save their homes and trap you in your mortgage with them because you cant get a loan or refinance with anyone else due to their predatory practices. We even tried to purchase a new home ( we moved our of XXXX to XXXX ) they offered us a new loan, but in the Caliber style of things, 30 % down, an interest rate at 8 % and over {$10000.00} in closing costs. We worked with Caliber for one year trying to get our mortgage on track, followed exactly what they said to do, paid on the days given to us by them and they destroyed our credit. If you are {$1.00} behind, they will report you over and over. They are unethical and prey on vulnerable people. I am shocked there has not been a class action law suite against them.
|
| 08/06/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Caliber Mortgage constantly mismanages my loan. I received an increase in my monthly mortgage amount with no prior notice. I received a letter in the mail today telling me that my insurance ran out and since I have not secured proper insurance they have secured insurance on my behalf and are charging it to me. I purchased a townhouse where the insurance is covered by the HOA payment. I am current with my HOA payments and therefore have proper coverage for my townhome. Caliber seems to have a difficult time managing anything about this loan. During the lending process they were supposed to collect enough within the escrow to pay both HOA accounts on this property. Upon closing and because they kept changing the closing documents due to mathematical errors, they took out the escrow for the XXXX HOA 's and only took out enough for the taxes. They did not notify me of this and I found out two months after the HOA 's were not paid as they were supposed to be. I also found out that instead of paying at closing both HOA 's Caliber only paid XXXX until I threw a fit at their mismanagement of the account at which time they paid the missing HOA dues. The insurance situation is just another where Caliber obviously can not manage an account properly and I want my loan sold to another mortgage company that can manage it properly.
I expect and demand that Caliber Mortgage refund the increase in monthly payment and all charges they assessed to me based on their false accounting of lack of insurance. They had all documents proving that the HOA covered the insurance in a more than sufficient manner to the point that at closing I did not have to show them my own policy for personal possessions. Because the closing did not require this coverage and the HOA continues to cover me ; this mistake needs to be reversed and cleared up completely. Caliber just needs to sell my loan and get me XXXX away from them!
|
| 01/23/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
This is my 3rd complaint filed against Caliber. On XX/XX/XXXX my mortgage was transferred to affiliate company XXXX. Since the transfer date, it has been very difficult for payments sent and confirmed they were sent by XXXX to be transferred to XXXX. These two companies are connected and any correspondence is easily relayed regarding these complaints. However payments being transferred is a different story! According to XXXX both XXXX XXXX payments were sent to Caliber both on the first of each month. I have sent in an escalation to XXXX in regards to missing payments in XXXX. I was notified that XXXX received one payment from Caliber on XX/XX/XXXX and was in the process of posting it. They never posted the payment until XX/XX/XXXX. When a payment was posted and applied to XXXX. I am still unsure if this was a transfer payment sent to Caliber for XXXX or a current payment sent to XXXX for XXXX. Shellpoint Customer service is unsure?? According to XXXX customer service they state their hands are tied as to where XXXX payment is and when it will be transferred and also XXXX payment. They confirmed they have escalated this issue to Caliber as to missing payments not being transferred and advised it can take up to 60 days for everything to smooth out and payments being posted. It has been over 60 days and Im now receiving a threatening letter from XXXX for foreclosure if not paid by XX/XX/XXXX. This is unreal as it was not an issue to post these payments prior, they may have been posted late towards the end of the month but were eventually posted with no issue. Now that they transferred mortgage to there affiliate company ( due to me being on XXXX assistance ) they have lost the payments and no one in both companies can find. Not only will I be filing this complaint, I will also be filing a complaint with The Department of Treasury, for misuse of funds, the XXXX and also my State Senator!
|
| 04/01/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
On Wednesday XX/XX/2019, I contacted Caliber Home Mortgage to inquire about payment of my local city property taxes, because I had received notice from the city that taxes were unpaid and my house is subject to tax sale. Two late penalties had already been assessed and payment was grossly overdue. I spoke with a representative who promised to " escalate '' the request to have my tax payment disbursed to the city. I was told that we would have an update or a resolution by Monday XX/XX/XXXX.
I did my due diligence by calling the city myself to confirm that no payments have come in on my behalf. I also contacted my title company to confirm that no special escrow funds for taxes due after my settlement/purchase date were being held by the title company, as that is not customary anyway. Also, I attempted to work with my loan officer who processed the loan, and he provided me with no help either. He had a colleague at Caliber look into the matter, but then decided to have me work with customer service and advised that he would no longer be of assistance. Their names are : XXXX XXXX XXXX and XXXX XXXX XXXX I called in periodically to check for a status update, and was told that the request was " being researched '' but there were no tangible updates. The managers that I spoke to were : XXXX, phone number XXXX ; and XXXX XXXX, who advised me that she doesn't have a phone number.
I called on the promised resolution date of XX/XX/2019 at XXXX XXXX in the morning, XXXX XXXX, and was told that there were still no updates. XXXX XXXX advised that she would call me before she leaves for the day with an update. She leaves for the day at XXXX Central time, so I am awaiting a call back, however, given the lack of follow-up thus far, I am respectfully submitting this complaint, because I feel as though I have been mistreated by the company with no recourse for actual assistance.
Thank you.
|
| 04/12/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Hi, I am a home owner and this home was financed by a mortgage company on XX/XX/XXXX and the purchase was closed. During the time of the purchase I made 10 % down payment towards the mortage. On XX/XX/XXXX, I made a substantial and significant payment towards the principal and the LTV came down to 11.64 %. I am requesting the mortgage company to cancel my PMI based on the LTV and also have made a written request. But I am being constantly asked to perform an appraisal of the property or the date on which the PMI will expire is on XX/XX/XXXX which does not make sense to me. Because if I continue to make my mortgage payments as agreed the remaining loan balance will not stand until XX/XX/XXXX and will be paid of byXX/XX/XXXXor even before if I can make additional principal payments. The expiry date as they say is based on the original amortization and as I know the PMI has to be automatically cancelled when the LTV hits below 80 % and in my case it is right now at 11.64 %. I am requesting to cancel the PMI based on the original appraisal which happened about 8 months back in XX/XX/XXXXand even the county 's appraisal yearXX/XX/XXXX for the purposes of the property tax is higher than what it was during the time of purchase. I am wondering as per the HPA is it not a protocol to the lender to automatically cancel the PMI based on the LTV. And again the LTV is 11.64 % at the time of this writing and I am current on my mortgage payments and I had never missed a payment. The bottom line is why should I need to go for an appraisal when the LTV is at 11.64 % compared to the original appraisal of the property and I do not think that the new appraisal will be below the principal balance which is far low. I am in total loss as to what kind of eligibility requirements I am supposed to have for removing the PMI when the LTV is at 11.64 %.?
Please advise me.
Thanks for your time.
XXXX
|
| 08/08/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
In XX/XX/XXXX my wife was diagnose with XXXX XXXX .had a XXXX XXXX and we struggled making our mortgage payment to XXXX XXXX, we fell behind in XX/XX/XXXX and ask for a modification, that process dragged on until XX/XX/XXXX, XXXX then turned our mortgage over to caliber home loans, so for 6 months that it dragged on and finally we where approved for a modification trial which started in XX/XX/XXXX, we sent in 1 payment, at the time of the modification process we where also offerd a deed in lew of forclosure for XXXX, due to my wife going through XXXX treatments she developed XXXX and was XXXX XXXX XXXX XXXX XXXX XXXX, so we contacted Caliber and ask if we could do the deed in lew which would help us move to a warmer climate ( Florida ), they said we could so we took them up on the offer, they said some of the XXXX was to pay off exsisting leins against the house which would leave us with about 10,000 dollars, I had a job opportunity so we moved in XX/XX/XXXX 1 month after the deed in lew process was ok 'd by Caliber, Caliber keep sending me letters an said they where still working on the lien details and may not have enough time before the XX/XX/XXXX forclosure date, in XX/XX/XXXX we surrendered the house to Caliber in good faith, and they jerks us around for 6 months saying they where working on finalizing the deed in lew, we had filed for a mediation hearing in XX/XX/XXXX to delay the forclosure for 1 month they said they should be able to settle before that.that time has come and gone and we still have not received a settlement. to this day the house is still empty, the house has been vandalized or homeless people living in it, I'am receiving threatening letters from the liens that where supposed to be paid off by Caliber, I cant afford a lawyer so I was hoping you can investigate this matter, thank you.my name is XXXX XXXX XXXX XXXX XXXX , XXXX Florida, phone XXXX XXXX
|
| 04/03/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
XXXX-loan # XXXX Docket # XXXX Law date : XX/XX/2017 I expected better from our " justice system '' but, I am not surprised at my outcome. There are businesses similar to Caliber Home Loan, Inc., in existence all over. They claim to be customer specialist but they are not. They prey on the short comings/ misfortune and zero finances to fight properly.
In my opinion Caliber Home Loan , Inc., is no more that a collection agency that buys loans and services them until people make one mistake. That one mistake has caused me nothing but disappointment, frustration and XXXX. Paper shows that Caliber tried to work with me, but they really did not.
I fought long and hard to modify my mortgage loan on my own, and then through Court Mediation. Week after week, month after month, the same exhibits needed to be redated, refaxed or remailed. In Court mediation myself and the Court appointed mediator handed off the paperwork to the Attorneys office representing Caliber Home Loan , Inc. and they saw that it was passed on in a timely manner. This process went on for a year or more and until recently I got defeated.
I have every paper I ever sent to Caliber Home Loan, Inc. I was never sent a letter of rejection. They knew my credit worthiness and I feel they misled me. I have lived here 15+ years and am XXXX years of age. I apologize for being laid off but tried to quickly rebound and get back on board. I was told by Attorneys and others that mortgage companies do not have to work with people and I am sure that Caliber did not want to work with me. Now, I will join the homeless because I could have paid the modification ( which was to be through HAMP ) but Senior housing and regular housing are saturated.
What do I want?? I just do not want anyone else to suffer this kind of unnecessary XXXX, XXXX, XXXX and XXXX from Caliber Home Loan , Inc.
Thank you for your time and consideration.
|
| 10/19/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
Servicemember |
|
First, there was no option for me to choose that fit the issue we are having so I chose to the best of my ability in hopes this will get to the right person/department.
We have received several certified letters from Caliber Home Loans telling us that we have missed payments and we are now going to collections. The problem is that Caliber isn't our home loan company anymore. We paid off our home last year and our loan wasn't owned by Caliber at that time. We called the company and they said those letters were sent out by mistake and to disregard them. Meanwhile, we received a check for {$120.00} and we have no idea why. When we asked for the company to at least send us a letter clarifying and verifying that the letters were sent out by mistake, they told us, " No ''. They will not even put it on their website letting everyone know who received these letters that they were sent out by mistake. The company has spent quite a bit of money given the number of Certified letters we received, yet they can not send a simple letter out to us so we have proof that we were told it was a mistake. We have not cashed the check they sent because we don't want that to backfire on us. We have tried 2 times to get to the bottom of the issue, but they are not willing to tell us anything, other than it was a mistake. These letters really freaked us out since we know we do not owe anything. We have filed the Deed and have received confirmation back that it was filed and we own our home outright.
We would love to know what further action we can take. If this somehow ruins our credit or our house is in danger of being taken away because of this mistake, we need to know how to handle that. We are also concerned about how many other people may have actually paid Caliber because of these letters.
Please let us know if any other information is needed.
Thank you!
Sincerely, XXXX XXXX XXXX XXXX
|
| 01/25/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Since XX/XX/XXXX, we have a home mortgage loan with Caliber Home Loans. We were affected by Hurricane Irma in XX/XX/XXXX. Caliber told us that we qualified for a 2 month forbearance for the months of XX/XX/XXXX and XX/XX/XXXX. We were under the impression that our payments that were not made in XX/XX/XXXX and XX/XX/XXXX would be added to the end of our loan. In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX we continued making our regular mortgage payments by calling in over the customer service line. Caliber stopped allowing us to pay our bill online and were required to either call in ( for a fee ) or mail a check. Each month our mortgage statements stated that we are delinquent although we were a part of the natural disaster. We were also charged a fee for an " inspection '' that we were not aware of until after the fact in XX/XX/XXXX. This was not disclosed when we started the forbearance by the representative who we spoke to. We were treated like we simply stopped paying our mortgage instead of being a part of the natural disaster program. The process was not as simple as they made it sound and in fact has caused a lot of hassle and complications.
I spoke to an agent on XX/XX/XXXX in regards to our statements showing a past due balance and being delinquent to get a better understanding of the entire process. The process feels very deceitful because now we are forced to do one of two things : 1 ) Bring the loan to current status by paying the entire 2 months at once or 2 ) going through a loan modification which increases our loan length and our loan amount by thousands of dollars. The agent said that many customers were calling in with similar complaints. The representatives who enrolled us in the natural disaster forbearance did not disclose these additional details. It seems to be that Caliber is taking advantage of customers who suffered during a natural disaster.
|
| 07/03/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I contacted Caliber Home Loans back in XX/XX/XXXX to complete a loan modification due to a missed payment when Hurricane Irma happened. It is now XX/XX/XXXX and Caliber has yet to get all the information correct to complete this modification. It started off with not receiving faxes of required documents ( I have the fax confirmations ) so we started uploading all required documents into their website on my account. Every time I contacted them, a form was out of date and needed to be resubmitted. Any mailed information they send is 3 weeks behind and never loaded on my account on website.
This exchange of required documentation went on for 6 months!!! 2 weeks ago, an agent provided me wrong information due to modification containing a payment HIGHER than what I pay now and her answer to me was I guess you need to find more money .... I immediately asked for a supervisor and was told by him that she gave me wrong information and he submitted information to modification group and not to make a payment this month until new payment is established. Well I called today ,XXXX, to find out what is going on and another agent gave me wrong information and no supervisor is available right now.
Im trying to do the right thing and catch up on my payments using the help they offered and it has been literally 9 months of XXXX trying to get this completed.
If I was not in the situation Im in due to handing parents financially as well, I would leave this company and I will tell anyone considering his company not to use them. They have been completely useless in my time of need. Of the 19 different single point of contact specialists I have had to deal with, each one says they will help and have everything handled for me ... .. yet it is not handled. I just want the modification and get back on track with my mortgage. This has been unnecessary stress for 9 months ( and counting ).
|
| 04/22/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
I chose Caliber Home Loans as my lender to buy a condo. I had 53 days before I closed on the condo. The seller chose a long closing because she had not found a place to move at that point. Although I had 53 days before closing, in order to make my offer attractive I did a 21 day financing contingency. Caliber was well aware of my 21 day financing contingency and ensured me it would not be a problem. I followed up with my loan officer everyday to make sure everything was going smoothly. She ensured me that everything was fine and we would be able to close on time. Not once during this process was there any issue or alarming matter or any kind. The appraisal was completed and came back clean at the offer price. I checked in with her to make sure that everything was in line and that there were no issues especially close to the end of my financing contingency. She again ensured me my loan was good to go and there were going to be no issues. I received a very alarming call from the loan processor, asking for my credit card information to pay for the HOA questionnaire and budget that had to be obtained online. Since there had been no mention of this previously, I assumed this process had been done a month earlier during the appraisal and financing contingency. Any lender who does their due diligence knows that when purchasing a condo, that is the first thing to look into. Caliber proceeds to tell me less than 24 hours before we were supposed to close that there is a huge HOA issue and that I would not be able to obtain a loan. The contract had to be terminated the day we were supposed to close and I lost all of my earnest money. If Caliber had not been so negligent in processing my loan and had worked in a timely manner, the contract would still have been terminated but I would have received my large amount of earnest money back, and not have been out of a place to live.
|
| 12/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I took the Covid-19 forbearance in XXXX of 2021 and Caliber home loans ( loan provider ) did not explain the most important part of the forbearance which was that at the end of forbearance they would add the total amount due on top of my loan amount which was a huge thing in decision making for the forbearance. They clearly did not mention anything like that but they said it was included in the agreement which does not state that at all. I took forbearance because of financial hardship as my wife had lost her job due to Covid-19. My initial loan amount was {$160000.00} and now they're saying that I have to pay additional {$11000.00} on top of my loan amount as I had taken the forbearance. They also did not explain that the interest would accrue during forbearance and that the principal would also be added to my original loan amount which is clearly a scam. I talked to them in XXXX and had stated to continue my payment as I was scared for foreclosure but they only took out one payment and stopped taking more payments even though I was enrolled in auto pay. I believe they did this so that my monthly payment of {$960.00} would keep adding up on my loan. In XXXX they stated that they'll put me into a deferment plan and I would receive correspondence in a week but nothing was received from their side at all. They keep adding my monthly payment on top of my loan amount and now my loan amount they're showing is {$170000.00} which is purely not what they had stated when they started the forbearance. I kept calling them and they would say my deferment plan is being reviewed but no decision has been taken in all these months. Please help me as I'm the sole earner for my family and I'm not able to make and afford these additional {$11000.00} payments that they have added on top of my loan and are demanding a payment in full so that I can be current on my payments. Thank you.
|
| 05/02/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
After reviewing my credit report I notice a foreclosures from a mortgage company called Caliber Homes that I never heard of or had a mortgage with! The only mortgage I have had was through XXXX mortgage. I then realized there were XXXX foreclosures from the same property. My wife and I went to court and lost our home to XXXX in 2013.
I submitted a dispute with the credit bureau regarding Caliber Homes and requested the name, address and telephone number, of who they contacted in order to verify the information. I informed them that I was putting a file together of all names, titles, and documents. This would provide me with legal documentation if I need to take this to court.
. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I went to the county court and got a copy of the foreclosure all documents had XXXX. I spoke with the staff at the county court and they also could not understand how a company could place a foreclosure on a credit report without taking them to court because XXXX is a judicial foreclosure state.
I 'm demanding the Caliber homes remove this from my credit report.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court.. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Please see attached documents.
|
| 07/21/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
Older American |
|
Caliber Home Loans has serviced my home mortgage since 2007 when XXXX XXXX extended a {$160000.00} loan at 7.62500 % interest while a {$81000.00} lien was on the property. Monthly mortgage payments are {$1500.00} with {$920.00} toward interest, {$200.00} toward principal. This agreement was made when my credit score was XXXX ; it has now increased to XXXX and I seek a better interest rate.
The XXXX XXXX agreement ( XXXX ) was executed in 2007 with a {$81000.00} lien on record from XXXX XXXX XXXX ( XXXX ). Today XXXX is no longer in business and no one can remove the lien. I 'm not being billed for the {$81000.00} but the recorded lien wo n't go away.
Caliber Home Loans has offered a {$150000.00} loan at 3.99 % over 30 years with the {$81000.00} lien still on the property, I requested a 20 year quote ( for 10 years of payments made ) and the process has stalled - XXXX XXXX ( XXXX # XXXX ) said the {$20000.00} loss on tax return XXXX unit property was problematic, he requested my wife 's financial information although she is not listed on the property or the loan, it was sent XXXX XXXX. My retirement income, 4 year history as XXXX, wife 's employment income and investment portfolio clearly supports liquidity, profitability, and solvency i.e. on ongoing good credit risk esp. at a reduced interest rate. The balance of the current mortgage is {$140000.00}, the {$8000.00} difference is Caliber 's refinance costs yet the transaction is entirely internal.
XXXX XXXX ( XXXX # XXXX ) stated the computer system was down XXXX XXXX and he 'd call back once online, he never did. My calls have been unanswered.
This process has taken too long with questionable actions. I want Caliber Home Loans to remove the {$81000.00} lien and I want a 20 year mortgage refinance rate ( less than 4 % ) reflective of my XXXX credit score and history of timely payments to Caliber Home Loans.
|
| 11/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
I am an XXXX American woman who has had a mortgage with Caliber Home Loans for a little over four years with no late payments nor missed payments -- an excellent paying customer. Presently, I have a credit score of XXXX with only a car payment and my mortgage and a few credit cards that will be paid in full with the proceeds from the sale of my house. I uploaded a copy of my XXXX statement stating that my IBR student loans has a XXXX ( XXXX ) payment and is in forbearance due to re-enrollment in school after medical leave. I was pre-approved back in XX/XX/XXXX and was told I could go up to {$210000.00} for a property I had planned to place a bid. That never materialized, and I found another one at {$230000.00} and called to see if that would work under the preapproval even though it was already set. When I called back and spoke with the loan consultant, he stated that my auto loan being paid in full was configured into the preapproval. That was never conveyed to me in XX/XX/XXXX - new information.
So I emailed the branch manager about this, and he emailed me that because my student loans were in forbearance, they would have to use the 1 % rule. That is not correct. All my student loans are IBR and are in forbearance due to the Cares Act and the fact that I re-enrolled in school to complete my XXXX dissertation and receive my diploma. Importantly, IBR student loans do not fall under the 1 % DTI rule. Thus, my home loan application is not being fairly evaluated even though I am an excellent paying customer for four years with Caliber Home Loans and my income has increased since I last applied back in XXXX for the present home loan I am carrying with XXXX, and my credit score has increased from XXXX to XXXX. The first time I spoke with the Caliber Home Loan consultant back in XXXX, he assumed I had bad credit and told me to call back at a later time.
|
| 09/18/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I took out a home loan on XX/XX/XXXX with a principal balance of {$310000.00} with XXXX XXXX XXXX dba XXXX. The previous servicer of the loan was XXXX XXXX. Caliber Home Loans claims to have became the servicer of the loan owned by XXXX in XX/XX/XXXX. A Chapter XXXX Bankruptcy ( Case Number XXXX ) was filed on XX/XX/XXXX, while an Appeal from a previous BK is pending for oral hearing on XX/XX/XXXX and Caliber has yet to appear before the Court.
Caliber sent me the attached XXXX and you can clearly see the post-petition payments during XXXX were made and they have ignored this. The federal employer identification number ( EIN ) reflected on the XXXX Form XXXX does not correspond to Caliber, but rather to their 401k Employee 's Account and this needs immediate clarification.
Caliber has failed to post all payments made since XX/XX/XXXX, my credit has been negatively impacted, and the loan balance has been increased by {$50000.00} due to unlawful fees and costs charged with no Court Approval or Order to do so.
XXXX XXXX si the owner of the note and has not notified me that the loan was attempted to be sold. The loan went through a XXXX loan modification and is thus a non-negotiable instrument pursuant to the UCC 3. XXXX XXXX can not legally sell the Note.
The Assignment of Mortgage and Note endorsements are fraudulent, therefore I request a full audit of the loan. The attached subpoena has been sent to all the parties involved. Caliber has failed to properly report my payment history and information to the Credit Reporting Agencies ( CRAs ) regarding the loan since becoming the loans servicer on XX/XX/XXXX.
According to Caliber the loans uncollected fee balance is {$3000.00} as of the date of this letter? We continue to contact their Single Point of Contact ( SPOC ) Department at XXXX and have not received any adequate reply to our concerns.
|
| 05/01/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We have a mortgage with Caliber Home Loan ( https : //www.caliberhomeloans.com ), account number XXXX. The mortgage consists of loan and escrow accounts both. On XX/XX/XXXX the loan officer XXXX XXXX informed us the escrow amount was wrong. The overall monthly payment should be {$5900.00}, down from the wrong number {$7100.00}. Therefore the monthly mortgage I paid is {$6000.00} from XX/XX/XXXX
However Caliber home loan does not update its system and think we are short of the monthly payment. The consequences are : 1. Our payment balance was messed up, both the loan and escrow account balance by wrong late fee and penalties which caused by Caliber itself. Please refer to the attached account payment history. According to my calculation, till XX/XX/XXXX, my loan balance should be {>= $1,000,000} and escrow balance is {$7000.00}. But Caliber shows the loan balance is {>= $1,000,000}. escrow balance is unknown.
2. Caliber careless mistake leads to both my husband and my credit score sharply drop from 800 level down to 600 level.
3. OnXX/XX/XXXX, Caliber sold the loan to central loan administration and report ( XXXX ), and passed all the wrong information like escrow amount, loan balance and escrow account balance to XXXX. Although Caliber promised to fix it for us, one month after the transaction, the mistake in XXXX has not get corrected. The record from XXXX still shows our monthly payment is {$7100.00}.
After the loan selling to XXXX, CALIBER did not inform us to pay XXXX afterwards. Without the right payment information, we paid our XX/XX/XXXX mortgage {$6000.00} to Caliber still. Although Caliber claimed that it forwarded the {$6000.00} to XXXX on XX/XX/XXXX, XXXX has not received it ever since. When both XXXX and us asked CALIBER to provide the express mail tracking number and check number, CALIBER just could not come up the numbers.
|
| 10/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
I am writing to you to request assistance in resolving a mortgage issue that has been ongoing and unresolved over a period of months.
I pay my mortgage ( auto-draft ) to Caliber twice monthly in two equal payments.
These funds are used for the following month 's payment. I paid my mortgage one month in advance prior to starting the twice-monthly payments so that the two payments made in the prior month would be applied to the following month.
When I inquired about making extra principal payments, I was told via a phone call ( customer service ) that all payments made in addition to my scheduled payments would automatically be applied to principal.
The extra principal payments were not being applied to principal as I was told they would be.
Later I noticed that I was being charged a late fee for each month. I was told the extra principal payments somehow confused the computer program? What does that mean?
Upon calling Caliber, the customer service representative insisted that I was delinquent in my mortgage payments. I was not/have never been.
I have called Caliber a number of times since then and was told that, because the extra payments were not marked as principal, they were not applied to it ( contrary to my previous conversation with Caliber ).
On another call, I was assured by XXXX XXXX escalation department ) that I was not delinquent and this would be resolved and to call back. It was not. I called again and was told a message would be forwarded to him.
In an effort to prevent confusion, I stopped my extra principal payments with my bank ( XXXX ) but have continued to make scheduled payments.
I am still getting late fees applied to my mortgage... I am not late.
I am attaching my payment history that indicates my payment, late charges and principal payments.
Can you assist? I have not had a resolution since I started calling.
|
| 05/09/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
XXXX XXXX XXXX ( XXXX ) made an overdraft from my checking account for my XXXX mortgage paymentin the amount of $ XXXX requested the overdraft amount of $ XXXXto be placed back into my checking account.Thisscenariocould have been easilyresolved were it not for theexistingXXXX governingletters, rules, policies andregulations.
XXXX statement for XX/XX/2016mortgage paymentfrom XXXXstatement stated my mortgagepayment for XX/XX/2016was $ XXXX budgeted for this amount from my XX/XX/XXXX checking account.XXXX posted myMortgagePayment due on XX/XX/2016to my checking account on XXXX XXXX, 2016 for $ XXXXand theamount was paid by my bank toXXXXon XXXXwas {$840.00}.
The amount of {$840.00} was posted as pendingto my checkingaccount on XXXX XXXX, 2016. I began calling andrequesting XX/XX/2016to havetheoverdraft amount of {$40.00} returned to my checking account. Finally, on XXXX/XXXX/2016 I was informed by a manager thatI could dispute the amount removed from my checking accountor have the overdraftamount placed on the principal of my loan. I was informedXXXX simply could not honor my request to put the {$40.00} back into my checking accountwithout a statement from my bank on letterhead stationery stating " the {$840.00} will not be returned or disputed '' and to " enclose a copy of the checktransaction from my checking account ''. My banking institution refused to write the letter, stating XXXX made the overdraft.
The mortgage company agreed to work with me, but since mybank would not draft a letter perXXXX guidelines and specifications, I was left with the decision to eitherdispute the overdraft or the overdraft amountwouldhave tobe applied to the principal of my loan. AlthoughI budget my money to the penny each month andcould have used this money towardother fixed expenses, I agreed tohave the overdraft amount applied to the principal of my loan.
|
| 09/22/2017 |
Yes |
|
|
|
Web |
|
|
I am a XXXX in XXXX, Ca. representing a client who is selling XXXX XXXX XXXX XXXX, CA. XXXX. The sellers accepted an offer from a buyer on XX/XX/XXXX. The lender handling the financing for the buyers purchase was Caliber homes loans, the loan officer was XXXX XXXX ( XXXX ) XXXX. The buyers conducted an appraisal on the property and then immediately had to cancel due to their inability to qualify for the loan. Caliber home loans was provided a case number from FHA and also submitted the appraisal in the FHA system. After I placed the home back on the market for my client and we received another offer from a buyer who is also utilizing FHA financing for their purchase. The new lender XXXX XXXX at ( XXXX ) XXXX made a formal request on approximately XX/XX/XXXX. Caliber home loans transferred the case number but not the appraisal attached to the case number. Without the appraisal the new lender is unable to move forward with the buyers loan. I spoke with XXXX XXXX ( XXXX ) XXXX on XX/XX/XXXX and asked her to transfer the appraisal as requested and was told we had to pay for the appraisal to be transferred. I do n't understand how they can ask for my client to pay for an appraisal to the lender that was already paid for by the previous buyer. The are holding the appraisal hostage to the transaction they are no longer a part of. I spoke with the branch manager XXXX XXXX ( XXXX ) XXXX on XX/XX/XXXX and he informed me that they would transfer the appraisal but needed a formal request from the subsequent lender. That formal request was already made and they are refusing to cooperate. My seller now is unable to close escrow on the sale of their home because of the lender who is no longer a part of the new transaction. Everyone is on hold because they are refusing to cooperate. Please contact me as soon as possible. XXXX XXXX XXXX XXXX with XXXX XXXX.
|
| 11/27/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
I tried to point out two errors to my loan company to no avail. Submitted proof of errors and still no one responds to me. Instead they did opposite and increased mortgage by {$400.00} dollars. My first error was my homeowners insurance. This was picked by Broker who got my loan. That homeowners insurance was XXXX XXXX. However, I chose to change to another company once I closed to XXXX homeowners because they give good discounts to veterans. I Submitted this to caliber home loans, my loan company, and to this day, it still shows like I have XXXX XXXX along with XXXX even though I canceled XXXX XXXXXXXX and got refunded from them. Moving forward, I asked for escrow analysis for my mortgage to go down because my XXXX premiums are much less than the original homeowners insurance XXXX XXXX. However, Instead of decreasing, they shot up {$400.00} dollars more. When I investigated further, I realized that caliber home loans went and paid the property taxes for the year when they were not supposed to because my escrow company had already done so for the year. This left my escrow account account in the negative {$1900.00}. I Submitted the documents that was given to me by XXXX XXXX which is my escrow company to caliber home loans and no one wants to address the issue. I was told that they were aware of the mistake, but in response to that, they went ahead and did a new escrow analysis with my escrow being negative {$1900.00} knowing full well that it was not supposed to be in the negative. And with that, their new mortgage calculations are with me having 2 homeowners insurance companies when I had already canceled one. Please help me rectify this situation. All I want is for them to reverse what they did and bring my mortgage back to where it should be with the right information. I thank you in advance for your time and assistance. From XXXX XXXX
|
| 07/08/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I recently submitted a loan modification application to Caliber Home Loans that was denied the week of XX/XX/XXXX. As a result, I submitted an appeal.
The basis for my complaint is that every Caliber Home Loan representative that I had spoken with BEFORE and during this process neglected to tell me that I would not qualify for a modification because I had one in XXXX, finalized in XXXX. In fact, one representative told me WHEN to apply and that I needed to wait ONE year which meant that I could apply as of XX/XX/XXXX. No one told me that I would NOT qualify based on those facts which would have been extremely helpful. More importantly, it was my right to know and be properly informed.
This is not the first time that I have been given the wrong information from a Caliber representative. I have experienced this before and as a result, a manager by the name XXXX, had to personally review my file because I had been misinformed and my file had been improperly handled. At that time, I was initially denied a modification and after XXXX handled the case, I received a modification, and completed the trial payments seamlessly. All of this is a manner of record ( recorded and verifiable ). This time, once I received the denial letter, I contacted the company, requested to speak with a manager because I was tired of the runaround and misinformation. Nevertheless, they did not allow me to do so.
I do not believe Caliber exhausted all the hardship options available and for this reason, I think it is unfair and unprofessional that I'm continuously given incorrect information especially regarding such a serious matter. As a homeowner experiencing a hardship, I deserve to have all my options explored which I don't believe they have been. Additionally, I deserve to receive accurate information so I can be fully aware of the process and where I stand.
|
| 03/06/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
It started in XX/XX/2018, I scheduled a payment online through the company 's online portal. I verified in my bank it was scheduled to come out. A month went by and went online to pay again and i scheduled my payment. There was no information made available to.me that my payment in XXXX did not go through. In XXXX I attempted to pay online and was notified I could not. So I called caliber and was told I was in pre foreclosure to my shock. I still had not recieved a phone call, email, or physical mail saying I missed any payments. When I asked how much I was behind I informed them I did not have the full amount but could pay half. The employee on the phone directed me not submit half and to wait until I had the full amount. Once I collected the full amount I had my wife go to the bank to wire transfer the money she called caliber and was told it's to late you are in foreclosure. And again was directed not to submit payment. I called as soon as I could and was notified by a new employee both employees I had spoke with before were wrong and I could have submitted payment and stopped the process. I asked if sense that information result in the foreclosure process starting they could stop it and allow me to pay they said no. I was told to ask for a re reinstatement amount, which had jumped XXXX dollars in 2 weeks. I no longer had that amount to pay. I found away to get the money called and was told that figure is old there is a new amount and it had jumped another XXXX dollars in 2 days. I couldn't keep up asked for help and was denied and told I had to pay in full and that's the only thing they would accept. I am now facing a foreclosure because they wont work with me or anyone and I have spoken with attorney 's and at this point they say they dont believe they could help me in time. After only 3 missed payments I was Sent into foreclosure.
|
| 01/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I recently reached out to caliber home loans with the hopes that they could help me on numerous occasions to no avail. I attempted over the course of the last few months to get in contact with someone, but it wasn't until earlier this month of XXXX that I was able to get in contact with a gentleman. I called due to a financial situation my husband and I was having due to several break ins in our properties that affected my husband and I tremendously. We were late on a payment in XXXX inadvertently which was our first ever being late in the XXXX that we have been with Caliber home loans. I explained my situation to the gentleman and asked if they would " out of good faith '' report our XXXX payment being on time due to us being caught up and never having a late payment before. He said that it was absolutely nothing he could do. I told him that I could provide police reports or documentation showing why we had been late and that we had never been before, but he again said it was nothing he could do. The payment was late in XXXX, but reflects we were late in XXXX which is inaccurate. I am asking please out of good faith or even if I must pay that someone understands our situation. Due to the unfortunate situation with multiple break-ins and everything stolen it put us behind on all our bills. We are now caught up with all of them. We are praying that Caliber would be willing to please understand our situation as it was unforeseen and would take inconsideration into reflecting on our credit reports that we paid on time. This has dropped my credit score over XXXX from XXXX late payment, which I have no other late payments or anything on my credit report. I can no longer refinance my XXXX properties that were due to be refinanced this month due to the significant change in my credit score but also the negative late payment from caliber.
|
| 02/11/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
It appears my monthly mortgage payments are applied to another account, ( we both have the same credit union and the same mortgage company ) not all of my 16 monthly payments, not all of my added principal, not all of my paid late fees have all been applied to my account. I can not confirm that my loan actually exists. The first time i phoned the customer service 800-line, the operator said my loan " does not exist ''. The last time i logged on to their website, the screen froze for over 30-minutes. Then they sent me a bogus mortgage payment history. Cashiers checks mailed certified mail, and or XXXX XXXX overnight mail confirmation receipts appear to be fake. ( I see one signature, the the post office employee gives me a receipt with a different signature ). One lump sum cashiers check I endorsed in XX/XX/2019 to include my property address along with my signature, the bank stamped covering over my property address. leaving the entire bottom portion that is designated for bank use only blank. I asked my credit union, they said it's okay. In XX/XX/2019 the post office claimed to have mailed my mortgage payment to the wrong state, I had to replace and resend that payment while that lost payment containing all of my banking details was never located. Each time I speak with the customer service person at the loan office, I get different balances, different payment history. I finally got one customer service person to send me a payment history, just to find out that the money amounts quoted in that document do not come close to the total amount of Cashiers checks and electronic payments I have paid to date. Before I have electronic payments taken from my salary monthly, I need to confirm that my payments are being deducted from my balance. Not being split with another account, not being completely redirected to another account.
|
| 12/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I received an Escrow Statement Document from Caliber Home Loans on XX/XX/XXXX informing me that I was going to have a negative balance of {$2800.00} in my escrow account, and my mortgage payment would go from {$1200.00} ( with {$270.00} going towards escrow ) to {$1500.00} ( with {$330.00} going towards a new base escrow due to a legitimate shortage from increased county taxes, as well as {$230.00} to make up for the escrow shortage ). I had, over the course of my mortgage life ( 1 year ) put {$3300.00} towards escrow. The actual payout, should have been {$4000.00}, however the document indicated was short {$2800.00}. This was due to a scheduled tax payout in XXXX as well as additional " pillow '' for the escrow.
I called them on XX/XX/XXXX and spoke to a customer representative and we finally figured out it was because they paid my county taxes of {$1900.00} on XX/XX/XXXX, but in XXXX, they updated their internal servers/system and it reset to unpaid and due in XXXX. They transferred me to their tax department, who at first declined the error, but after lots of back and forth, came to the same conclusion and confirmed that my taxes were indeed paid out on XX/XX/XXXX.
They indicated that they would have to open a " research file '' and it wouldn't be completed until XX/XX/XXXX, and a new Escrow Statement Document wouldn't be completed until XX/XX/XXXX, at which point they would mail me a new one, that would indicate what my mortgage should actually be. They said that if I did not receive it before my XXXX due date of my next payment ( I am 1 month ahead since starting my mortgage payments ), I would have to pay the full billed amount of {$1500.00}.
As well as not updating their systems accurately, I am unable to access my full payment history online. I am only able to access since XXXX, following their system switch.
|
| 03/18/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I contacted a XXXX XXXX XXXX Representative after my husband passed away to update our mortgage information. At that time they told me that I could qualify for the Home Affordable Modification Program. ( HAMP ). I submitted all of the required documents including pursuant to their website check list including a copy of my husbands death certificate. I received a letter on XX/XX/2018 stating they would offer me an opportunity to enter into the FHA HAMP program. I had to contact Caliber in writing by XX/XX/2018. I sent all of the documentation on XX/XX/2018. In order to accept this offer I also had to make a payment by XX/XX/2019, however I made my first payment earlier than that on XX/XX/2018. I entered into this program, I followed all of their instructions including when to pay, and I was told I wouldnt have another payment for two months. However, I am on auto draft and they were suppose to take out my payment according to their new schedule. They didn't apply a payment to the correct date and now Im being reported late on my credit report. Late for XXXX and XXXX, 2018. These were the two months that I was entered into this program and was told I didnt have to make a payment. I would have paid the mortgage but I specifically followed the schedule they gave me according to the program rules.
I have tried to work this out to no avail. Caliber Home Loans violated the FDCPA in numerous ways by employing false and/or misleading means to get me into this program. This violation is under 15U.S.C. & & 1692e ( 2 ) and ( 5 ). They are dangerously close to violating & 1692f by seeking payments not discussed in the HAMP agreement.
I have attached the letter that I was accepted into the program and I have also attached a detailed history of payment that supports this complaint. This incorrect reporting is harming my credit score.
|
| 08/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Caliber Home Loans added a separate, completely unrelated, parcel number to my account and demands that I put into my escrow that property 's taxes, in addition my own. They have used my escrow to pay the taxes for both homes. They state that I owe over {$5600.00} for the other property. This is completely false. I noticed this two weeks ago.
Their tax department is " researching '' while their mortgage department has increased my monthly mortgage from about {$1200.00} to over $ 2,300/month. The tax department and the mortgage department do not communicate.
The mortgage department is aware of the tax issues but refuses to keep my original mortgage payment active until this is resolved. I have continued to pay my regular mortgage amount. This, according to them, has put me in arrears on my mortgage payment, and they send me debt collection letters, plus their debt collectors call me several times a day. They state that I owe over {$3000.00} in unpaid mortgage bills.
Their customer service department stated today ( XX/XX/18 ) that they will not fix my credit, which is now ruined due to their mistakes, they will not refund the added fees I have accumulated, and they refuse to remove the unpaid ( completely false ) mortgage amount from my account.
My county 's auditor has confirmed that the parcel added to my account does not belong to me, has never been listed under my name, and they stated that my own taxes have actually decreased.
I am currently trying to fix this issue and have done so for over two weeks. Caliber Home Loans have been less than helpful, and is, frankly, completely incompetent when it comes to this matter.
I have contacted the XXXX, my original mortgage broker has never seen anything this messed up in her entire career ( she is currently involved ), and will contact the Texas State banking division.
|
| 06/04/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
First of all, my account was put on certified funds last XX/XX/XXXX due to what the Caliber Home Loans said was multiple NSF fees. They took out two payments in XX/XX/XXXX when I cancelled one before it was processed, however, it was still taken out. I then called my bank and put in a complaint. I then paid our XXXX payment by XX/XX/XXXX and received an email about a week later stating they are waiting for payment. I just thought there was a glitch so I resubmitted. Well during all this, Caliber said they were getting an NSF fee. We had more than enough money to cover {$530.00}. I called our bank, XXXX XXXX XXXX, and they said you have received no NSF fee and have money to cover it. They have also faxed numerous letters stating this. Caliber still would not release the certified funds only from the account.
Second, during the loan modification process, it took almost 60 days before they said they received a full package. They kept stating they had everything to make a full package, then a few days later, they would say oh we need this now. I finally received a decision, via mail, that stated I was eligible for a forbearance. I owe XX/XX/XXXX-XX/XX/XXXX + all attorney fees, which totals {$5900.00}. However, they are stating start XX/XX/XXXX I pay {$1400.00} + {$530.00} ( regular monthly mortgage payment ) until XX/XX/XXXX. I take {$14000.00} x 6 = {$8500.00}, which is to pay what is owed previously. I have called to ask where the {$2600.00} is going. One SPOC stated is was an interest bearing loan. I know this is incorrect. Another SPOC could not tell me. I have asked if the LM underwriter can take a look to verify these amounts as I feel they are incorrect. I also make {$3300.00} NET and having a monthly payment of almost {$2000.00} is unreasonable, in my opinion. I have only {$1300.00} to get all my other bills paid.
|
| 11/29/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have 2 problems with Caliber Home Loans 1. I sold my condo and bought a house in XX/XX/XXXX. In XX/XX/XXXX I received a letter from Caliber telling me I have not had home owners insurance since XX/XX/XXXX. They said they were unaware, they did not know. I called my insurance company and they told me my contract with them was cancelled in XX/XX/XXXX, because I have a chimney coming out of my garage that is unattached. They told me the garage would not be covered but the house was fine. I was unaware that the whole coverage was cancelled. I called XXXX XXXX and got a policy right away. In the meantime Caliber told me they are going to back date a high risk policy from XX/XX/XXXX to XX/XX/XXXX. They sent me a bill for {$810.00} I need to know if this is legal. I would never of gone without insurance if I had know. I thought the mortgage company is suppose to monitor this and let the home owner know. I do not know why after the fact I need to pay {$810.00}.
2.I believe they have red flagged me are now harassing me. They have told me for the last 2 months my mortgage is late. I know it 's not. I have never paid my bills late. I pride myself on this. I paid the first late fee but when it happened. I called and was told they received it on the XX/XX/XXXX or XX/XX/XXXX. In XX/XX/XXXX. I called and they researched and said they received my check on the XX/XX/XXXX but did not post until the XX/XX/XXXX. They said it would be corrected. I received harassing letter and was told to pay the late fee and they will apply it to my principal. I do not have all this extra money for their mistakes. Why are they treating me this way?. They are very incompetent. I would like to be reimbursed for the first late fee because I promise you they are holding the checks and posting them late. Like they admitted to when I called on XX/XX/XXXX.
|
| 05/23/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have contact ed Caliber Home Lo ans multiple times regarding an incorrrect balance increase they reported to the credit bureau and an increase in my escrow account because of an error of their end for the amount they set my escrow account at and also then paying the e ntire 2016 propert y tax amount when I did n't close on the home until XXXX 2016. Ea ch time a representative assured me they will find the problem and contact me back. I was never contacted back so I started asking for a supervisor. A supervisor returns my call and assured me she would correct my problems and close my escrow account. I never heard back from her again. I started calling again. Exact same recourse. Another supervisor contacted me and the same spill. Never heard back from her again. My credit is still lower and they are charging me over {$150.00} a month extra each month and wo n't return my call or fix tne issues. I have documented emails from differ ent Caliber representati ves and there is a customer survey that should be on file of all problems and errors I experienced at closing prior to this new issue. All phones calls were recorded so every minute of this should be documente d. Caliber has spent my escrow account in error and now charging me more money, lowered my credit score for a n incorrect balance increase and will not return an email, or phone call. Each new person says enough to get off the phone then ignores me and does not do what they assure me they will do. One representative even disclosed they do n't even have my proper uodat d closing documents on file that they messed up multiple times at my closing when we tr aveled 3 h ours for closing to almost not be given the keys to our new home. My next step will be obtaining legal counsel if this is not resolved and I 'm mislead once more about this being handled.
|
| 12/01/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage was transferred to Caliber Home Loans. I have everything set up for auto-pay, so I had no complaints for years.
I sentan extra principal with my normal payment with a payment stub in XX/XX/2018. The stub indiciated that {$10000.00} was for pricinpal, and {$1300.00} was for the regular monthly payment. The lender applied the entire amount to principal on XX/XX/2018. I received a letter XXXX week saying that I did not send my monthly payment in.
I called the lender the week I received the letter to inquire about the issue. The representative explained that they did not receive a payment stub and that the payment was applied to principal. I do not send checks by themselves in envelopes. I asked the representative to resolve the issue by applying XXXX to principal and XXXX to the regular payment on the original date. The representative put in a request to fix the issue.
I checked the mortgage account on XX/XX/18 and noticed adjustments were made on XX/XX/18 and not backdated ( XX/XX/2018 ). Instead of resolving the issue, they took the same amount ( XXXX + XXXX ) plus the next monthly payment ( XXXX ) and applied it all to principal. So they made the situation worse. My account is now 2 months behind on payments even though they received addiitonal money. I called customer service and the representative has put in a second request to try to resolve the issue. I was told the turnaround is XX/XX/18 and it is possible the information will be reported to the credit agencies before they can resolve it. In addition, they applied a {$15.00} charge to my account on XX/XX/18 for no reason ( which was later reversed, but they did not communicate any information about this mysterious mistake charge ).
I pay my mortgage on time and have never been late. This lender 's mistakes are at risk of damaging my credit.
|
| 06/08/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
Hello, We came out of a loan modification with Caliber Home Loans end of XX/XX/XXXX.
XX/XX/XXXX When I called XXXX in XX/XX/XXXX to make my first payment after completion of the loan modification. The person I was speaking with was all confused about what I needed to pay. They finally gave me an amount of XXXX. I made the payment through XXXX XXXX on XX/XX/XXXX.
XX/XX/XXXX I was ready to make another payment in XX/XX/XXXX and the person I was speaking with at Caliber said the amount to pay was XXXX. I was annoyed with them because they did not get it right the first time in XX/XX/XXXX. I made the payment for XXXX on XX/XX/XXXX.
XX/XX/XXXX I checked Caliber website and noticed that my payment for XX/XX/XXXX did not show up as paid. I called Caliber and asked them to correct the problem. They said they would look into it and see what they could do. I made a payment for XXXX on XX/XX/XXXX.
XX/XX/XXXX, I check Caliber website again and problem with XXXX still not corrected.
I made a payment for XXXX on XX/XX/XXXX.
XX/XX/XXXX I check with Caliber webite again and no change. I called Caliber and the said that the XXXX I paid in XX/XX/XXXX went into suspense. That I needed to pay an additional XXXX to make XX/XX/XXXX correct. I made the payment on XX/XX/XXXX. I called a few days later and they said they would fix it. I made XXXX XXXX on XX/XX/XXXX.
XX/XX/XXXX I check with Caliber to see if they fixed the problem. Not fixed yet. I made a payment for XXXX on XX/XX/XXXX.
XX/XX/XXXX I made a payment on XX/XX/XXXX for XXXX payment. Caliber website still show me behind a month. I called and spoke with a customer service person and now they are saying payment for XXXX was declined. I can not get them to straighten out my mortgage payments. Caliber Home Loans does not know what they are doing. Please help.
XXXX
|
| 03/31/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Due to lack of income due to covid-19 I need some help with mortgage payment options and want to talk through my options with Caliber home loans.
I started calling Caliber Home Loans to inform them I could not pay the mortgage for XXXX in the middle of the month. I have called 5-6 times and the phone just disconnects. I have also sent messages through their message center on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time they say they will reply in 5 days. I have not received any replies to date.
I reached out to the mortgage broker who got me the loan on XX/XX/XXXX to ask for a better number and she didn't have one. I was finally able to pay XXXX mortgage yesterday, but I can't pay XXXX. And to be honest I didn't really have the money to pay but I am really concerned because they are not getting back to me. I do not want to loose my home.
I don't mind waiting hours on hold or waiting days for a call back or reply because I understand everyone is struggling. But I can't get a response at all and forbearance ( which I just found on their site today ) seems scary, because I can't afford to pay back all of the payments at once at the end of 3 months if I am not making money. For example, if I miss just 1 payment in the 3-months I will owe that payment plus the current months payment {$7000.00}.
As far as I see the only options I have is a 3-month forbearance which is not feasible or to loose my home for missing payment.
I am investing a huge amount of money in this company. I just want a call back in a reasonable amount of time. I need someone to explain my options to me. It isn't my fault they aren't answering their phones and it took me a long time to find their forbearance page, which isn't a good option for me.
I want a call back, I want my options explained and I want the late fee for XXXX waived.
|
| 04/06/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Caliber Home Loans was my mortgage loan servicer until my loan was paid in full XXXX, XXXX, 2020.
Caliber held the {$5100.00} escrow balance until XX/XX/2020, when, reported by Caliber 's customer service, the {$5100.00} USD check was allegedly mailed with first class postage, no tracking abilities.
Today, is XXXX XXXX, 2020, and more than 25 non-holidays ( Sat, Sun, etc ), since XX/XX/XXXX, paid in full status of my loan.
I've called Caliber Home Loans Customer Service and Escalation Department repeatedly to ask about the check. I have repeatedly been informed that is is Caliber 's policy to mail all refunded escrow checks via regular mail and for it to take 10 to 21 business days to receive the check.
However, when requesting if they could locate the check, I was told they have no way to do that ; however, if I do request the status of the check be submitted the consequence would be the check they mailed would be cancelled and I could not use the check when finally received.
Additionally, I was informed that the process would begin all over again, including the use of non-traceable mail and first class postage only - A catch 22!
I believe that Caliber 's policy of returning escrow for paid in full mortgage loans violates CFPB 1024.34 ( b ) 1 ) which requires paid in full escrow be returned to borrower within 20 non-holidays ( Sat, Sun ), by exceeding more than 25 days and counting. Additionally, I find. it a bit hard to believe that I am the only one being disadvantaged by their delay codified in their Policy as stated by Customer Service and Escalation Department.
Their delay has cost me more than {$1300.00} on a short term loan that I had reasonably expected to pay by XX/XX/XXXX. I will again have to pay an additional {$1300.00} if their process fails to deliver my escrow by XX/XX/XXXX.
|
| 11/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Caliber Home Loan 's internal policies, related to XXXX leave, have violated the fair lending laws on a disparate impact basis. My wife and I were denied a refinance due to my wife 's income being excluded from our combined " qualified income '' because of being on XXXX leave. Under California law, the Family Medical Leave Act guarantees a parent 's position upon returning to work, and should not be cause for exclusion of " qualified income '' or conditional approval upon returning to work. This is discrimination based on sexual orientation and familial status. XXXX Leave policies have a discriminatory effect on women and have been found to violate fair lending laws ( case : XXXX XXXX, XXXX ).
Background : the initial loan estimate was provided on XX/XX/XXXX with XXXX origination charges and a lender credit of {$1800.00} for a 3.375 conventional fixed 3-year mortgage set to close on XX/XX/XXXX. Several delays caused by Caliber Home Loans took place, causing several rate lock extensions, which were all disclosed on the closing disclosure as charges to the borrower. On XX/XX/XXXX, a second closing disclosure was sent, which included {$820.00} in origination charges ( discount points ) and a lender credit of {$22.00}. Caliber Home Loans effectively charged the borrower for the rate lock extensions when the delays were caused by the originator ( Caliber ).
Summary : On XX/XX/XXXX ( two and one-half months later ), Caliber informed us that we would not qualify due to a high DTI, which was due to my wife 's income being excluded from our " qualified income '' because of being on XXXX leave.
Opinion : Caliber intentionally inflated our DTI to deny the loan, since Caliber is losing considerable money on the loan due to additional hedge coverage for rate lock extensions and the recent rallying of rates.
|
| 04/28/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
My Complaints are follows against : U.S. Bank, NA/XXXX XXXX XXXX 1. Per the attached scanned foreclosure letter from the Attorneys of U.S. Bank, NA/XXXX XXXX Loans, the terms of my mortgage Note/Loan originated by XXXX XXXX XXXX in XX/XX/XXXX has been changed from a fixed rate of 5.875 % to an unknown Adjustable Rate Note. This supports the fact that the loan documents and Deed of Trust have been separately casting serious doubt on XXXX 's right to foreclose.
2. This loan has changed ownership more than 3 times namely : XXXX XXXX XXXX, XXXX XXXX XXXX, U.S. Bank NA, /XXXX XXXX XXXX ; and XXXX Master Participation Trust. The question of the day is who really owns my note and who has the right to foreclose on the note? There are so many inconsistencies using XXXX XXXX XXXX that flawed the originality of the loan, casting doubt on who is the real owner.
3. Excessive late and other fees and U.S. Bank, NA/XXXX XXXX Loans practice of applying all my mortgage payments disbursed to it to these fees first. This unfairly practice leaves my principal to increase exponentially. This is " Pyramiding '' of mortgage payments. This negligent and unfair servicing and series of unapplied funds as you can see from the attached mortgage statement from month to month, my past due amount kept going up month after month.
4. Now that I am asking too many questions, XXXX refused to accept payment and blocked my ability to make payment online until I have agreed to their Adjustable Interest Only payment modification for 5 years. U.S. Bank, NA/XXXX XXXX Loans have listed in the Court House and decided to sell through auction my property to the highest bidder on XXXX XXXX, XXXX.
I need an urgent voice to stop U.S.Bank, NA/XXXX XXXX XXXX unfair business and illegal practices prevent them from illegally foreclosing on our house.
|
| 09/24/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I started with this mortgage company in 2007, after the death of my husband. Since I have been with them they have refused to refinance this adjustable rate mortgage, they are adjusting it more than every 12 months. Plus the company has changed their name XXXX times. They have not sold the loan, they have changed their name. It started out as XXXX, then they changed to Vericrest, now they are trading under Caliber Home Loans. Since I have been with them, they have charged late fees unsubstanciated. They never put an amount on any of their statements or their website as to how much the late fees would be, If I paid the mortgage on a Friday via the internet, it would not post until that Monday to my account. If Monday fell on the XXXX or later, they charged a late fee. I questioned them 2 years ago about what their late fees are, and how and when they were charging them. They sent me a breakdown from their own records, that showed XXXX lates on my record, but they have me owing them {$390.00}. Whenever I asked to speak with a manager they were either never available or someone would identify themselves as the manager, state they would look into it, and never call or write back. They also reported me late to the credit bureaus several times { I think to justify not refinancing me }, but eventually had to remove it from my report. It has been exhausting dealing with this company, the Attorney General 's Office has advised me to get an attorney, as well as contact your department for assistance. I have every monthly statement, as well as correspondence from them since 2007. I will attach the important ones, and hope something can be done. The last supervisor I spoke with there told me it was perfectly legal to charge a late fee if they do n't post a payment before the XXXX, no matter when I pay it online.
|
| 07/15/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
Caliber Home Loans notified me that they were going to transfer me to their VA home loan refinance department after calling in about my home loan account on an unrelated matter. I have been getting several VA IRRL letter advertising I qualified for a lower rate. I made clear that I did not want my credit run and the loan officer XXXX XXXX XXXX XXXX ) lied to me and told me that since I was already a customer that credit did not need to be run and there would only be a " soft '' run which did not affect my credit in any way. He claimed he was unsure if they could meet the same offers and said he was going to send it up to his bosses. That is the last I heard, then a week later I received many letters in the mail from Caliber, including an Illinois Borrower Information Document form that included none of the information that claimed was required by law. I also received a form asking me and my wife to sign a formal application which I will not be signing. I reviewed two other letters including a form saying Caliber illegally pulled my credit from XXXX saying without authorization. Caliber claims that it was a soft pull and had no effect on the credit. I contacted the credit reporting agency and they said anytime a numerical score is generated that it affects your score and that Caliber homes is lying. They also tried to pull my wires credit without authorization. I asked to speak to a rude manager and he tried to gaslight and also lie and claimed that he did not understand and to his knowledge he does not think generating a score affects credit. The company is coaching its loan salesman to lie and are pulling credit without written consent and then claiming that they are " soft pulls '' even though customers are receiving a letter weeks later with an official credit pull as required by state law.
|
| 08/09/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage company is refusing to close an escrow account that is not required by the loan agreement.
After speaking with them by telephone three times and submitting a request on their website requesting clarification and documentation as to why my request to close my escrow account was denied, Caliber has provided no proof that an escrow account is required for my loan. In summary, in a letter dated XX/XX/XXXX, Caliber denied my request to close my escrow account due to the reason " Your loan has lender placed insurance or an outstanding lapse of insurance coverage. '' My loan does not have lender placed insurance ( although it previously had ) and has never had a lapse in coverage. Caliber agents advised by telephone that, despite the denial letter 's reference to the current status of the loan, the denial is based on XXXX XXXX 's requirement that any loan that has EVER had lender placed insurance or a lapse in coverage have an escrow account. This directly contradicts the reason given in the denial letter. When I asked the Caliber agents to provide written documentation of guidelines used to deny my request and which supports their contention regarding XXXX XXXX requirements, they were both unable to so, directing me instead to do my own research on the XXXX XXXX website. When I made a written request via Caliber 's website for clarification and documentation, I received only a one-line response ( " Our records indicate due to a lapse in insurance coverage in XX/XX/XXXX there was a lender place insurance policy opened for your property. Due to this having occurred your request to remove the escrow account was denied due to the lender requirements. " ). This response failed to provide an explanation for the discrepancy with respect to the denial letter or proof of lender requirements.
|
| 09/17/2019 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
We were working with a company called XXXX who I looked into and was a good company.we received a letter from calliber who is our current mortgage company that said we hate to see you leave Give us a chance to beat so we called them and were being taken care of by XXXX XXXX who was a license home loan accountant from caliber. She was able to do the loan for us turned around and got fired after she explained to us we didn't have to make our payment it went 30 days long she got fired I got screwed. I have never been late on any payment ever on twenty years. I would not of never been late if she didn't tell me to. She said worst that would happen is I would have to take late fee. The appraisal was completely done bug inspection was completely done She instructed us not to make payment XXXX has ruined my credit score. Cause me to practically go bankrupt. And has caused me to not be able to get a VA cash out. If diamond didn't do nothing wrong why would they let her go. I can't understand how they can get away of running XXXX veteran. Which I suffer from XXXX. The say phone calls are recorded but they control which ones they use. There is a website that XXXX XXXX could of looked up our appraisal that was completely finished She never did.it is a va website all company use. The date is on the report when it was completed. We also electronicly signed all papers we were suppose to. Everything they told us we did She choose to get off rival company we were going to use. They are not responsible anymore Once I completely signed all close Ing papers. The loan number is XXXX. XXXX XXXX works someone else But reluctant to be apart anything with caliber or her. But calliber is trying to lie to cover mistakes They are trying to cover fact they made major mistickes. And it has ruined my credit and family.
|
| 12/18/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Caliber Home Loans is my mortgage holder. The issue is, they have taken two monthly payments {$960.00} from my bank account in the same month of XXXX. On their website, once you schedule a payment the system automatically schedules another payment, which I cancelled right away, but they still took it out of my account, which placed a burden on me and my family. I live from pay check to pay check and I was expecting to have money in my bank account to cover car payments, insurance, etc. This is the second time it has happened. It happened back in XXXX and I let it go to cover my next monthly payment, at the time they said they can't reverse it. This time, the XXXX incident, I needed the money to be in my account as I explained, so I called the company and asked them to reverse the payment, I spoke to a rep and she asked my to stay on hold to get a supervisor and escalate the issue, she agreed that the payment should have not been taken out. The phone hangs up while I am on hold, I call back and speak to another rep and they tel me the same thing and to hold, after holding for more than ten minutes the phone hangs up again. I call again, the third time, I explain the situation again, they advised that the payment can not be reversed and that they have issued a check, no one has reach out to me to give me an option. Although, a check will not solve my problem since I need the money in my bank account immediately, but the check has yet to arrive. It has been more than a week. The last rep I talked to advised that she will have hang up on me because of my critical criticism of the company, I told the rep that this was an unacceptable behavior but she was not welling to listen to me just because I expressed my frustration " in a professional manner " with the customer service and their process
|
| 05/13/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I CONSUMER entered into a consumer credit transaction with Caliber Home loans XXXX of XXXX. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction my finance charge is {$91000.00} but Im being charged {$230000.00}. The finance charge does not include cash, but Caliber Home loans took cash. I Refinanced my home XXXX of XXXX. When I refinanced my home and I finally did receive my new contract it stated a monthly payment of {$920.00}, when that's not how much I was supposed to be paying. So I the consumer sent in a Debt Validation Letter, Affidavit of Truth, and Cease and Desist. Caliber home loans received my paperwork but failed to fill out the requested information and return the paperwork to me. They instead just sent a letter stating they received my paperwork but that's it. Caliber Home loans is in violation of 15 USC 1692e ( 11 ) failed to disclose that this is an attempt to collect a debt. 15 USC 1692 the FDCPA never uses the term borrower but I been referred to as a borrower throughout my contract. Caliber home loans is in violation of 15 USC 1692e ( 2 ) my contract shows false representation of the amount, anything that is owed should be shown in the negative not positive, it looks as if I'm owed the money Exhibits XXXX, and XXXX. Caliber Home loans is in violation of 15 USC 1692b ( 5 ) using symbols on envelopes, that is effected by the mails exhibits XXXX. Caliber home loans is in violation of 15 USC 1692j for designing a contract that has false and misleading information used to create false belief in a consumer. Exhibits XXXX and XXXX will show mailed receipts and, the letter they sent stating they received my requested information, but never responded after that.
|
| 02/21/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I am elderly person that is trying to keep his home, I have tried numerous times to submit a loan modification package, but my mortgage servicer Caliber Home Loans underwriter has made my process impossible. Hiding behind guidelines just to delay my loan modification review. I provided a fully package back on XX/XX/XXXX, then my servicer stated that they need 30 days to review, I was supposed to received an answer on XX/XX/XXXX, but instead the underwriter requested pay stubs for someone that has nothing to do with my mortgage since I provided a quit claim deed. But the underwriter never looked at this. By requesting this he or she was able to go on with the holidays. By the time they figured out that what he or she requested was not needed, 30 more days passed by and I was falling deeper in debts since they are adding all type of fees on top of my mortgage. I went to court again on XX/XX/XXXX and a day before my settlement conference, they underwriter stated that my pay stubs were fraudulent and requested more pay stubs. I went to court with my most recent pay stubs and provided them to the court. The bank attorney did not want to take the pay stubs, but instead to fax them or email them to Caliber Home Loans. I sent my pay stubs to Caliber Home Loans, they told me that it will take 5 to 7 days before these information shows up on their system. By the time they looked at my pay stubs, all my previous documents expired, now I have resubmit a whole new package and I am sinking in debt, now I owed {$61000.00} and requested help 3 months after I failed behind. I can not get a good faith review of my loan modification application and I am caught in this horrible vicious cycle. I am seeking your help, I can not lose my home, it is everything that I have. I beg for your help. Thank you
|
| 03/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
In XX/XX/XXXX, I was released from my job with XXXX XXXX XXXX and XXXX XXXX. At that time, I took advantage of the COVID-19 relief and went into forbearance on my mortgage with Caliber Home Loan. In XX/XX/XXXX, my forbearance ended, and I attempted to take advantage of the loan modification process afforded to me. Caliber Home Loans continued until XX/XX/XXXX to delay this. They kept giving me incorrect information and making me file unneeded paperwork in what I now see as an attempt to secure an interest rate more advantageous to their company. Instead of calculating my modification at XX/XX/XXXX interest rates, it was done at XX/XX/XXXX interest rates, which is a significant disadvantage to me. I made the three months of trial payments and complained and asked for help through XXXX of XXXX ; at the end of that period, my loan was passed to XXXXXXXX XXXX, who finalized my modification. This issue is brought up every month with them on a phone call. They have yet to respond and give me the one-month grace period between the end of the trial payments, not to make a payment as I had been part of the modification deal with Caliber Home Loans. In the end, I have been required to pay every month, and now my payments are almost precisely what they were before the modification.
Caliber Home Loans has a complete record of my calls and documents.
I am asking : 1 ) My loan interest be adjusted to the interest rates of XX/XX/XXXX as they should have been when I requested the modification on the COVID-19 Forbearance program.
2 ) I am granted the one-month grace between the accepted modification and the payments under the new rate beginning.
3 ) My late fees be removed from my account with XXXX as I am behind due to unfair and underhanded practices by XXXX XXXX XXXX.
Thank you,
|
| 06/04/2015 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
|
|
Please review my attachments below and my correspondence with both HUD and FHA. Our MIP refund monies were not handled correctly nor given back to us how they should have, how we were promised, and how we were lied to about finding the monies and sending a check to us which did not happen. We closed on XXXX/XXXX/2015 and it took to all the way until mid XXXX before Caliber Home Loans would try and fix their mistake. We put our trust in them with handling our finance transaction and listened to their advise and our loan was not written correctly according to FHA guidelines. We would like to hear back from someone in regards to what is happening and what will happen about this situation please. We are filing a complaint against Caliber Home Loans with RESPA as well. There should be a penalty for what they have done and what we have had to go through with all of this. Caliber Home Loan kept our MIP monies that were due to credit or be refunded and after months of us looking into where our money was and contacting their corp. office, HUD, and FHA and filing complaints they finally just made a payment on our account towards the principle and told us that will have to do. What they did not only violated FHA guidelines but it was fraud. The first of this is what I submitted to XXXXXXXXXXXX which has opened a case for us against Caliber Home Loans. I have the attachments that are mentioned above it you would like us to share then.
Caliber Home LoansBranch NMLS : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX : XXXX XXXX, Area Manager Email : XXXXXXXXXXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX worked with XXXX XXXX which is our neighbor and who was supposal lied to my her area manager and company on our refund or either she was lying to us herself in all the text and email messages.
|
| 04/05/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Last year around XXXX I reached out to my loan processor Caliber Home Loans about a refinance on a property that I have with them. The loan processor said that it was possible and got all of the documents he needed from me. My payment at the time was {$1100.00} and I really needed it lowered. He told me that my new payment would be under {$1000.00} and that I would have a better interest rate. With all of the craziness going on in the world an extra {$180.00} per month dramatically would help me and my family out. This got even better when my payment was dropped down to {$940.00}. All of this was great and worked out perfectly, I thought. Fast forward to this year and all of a sudden, I am being told that my mortgage payment has gone from {$940.00} up to {$1400.00}! I almost had a XXXX XXXX trying to figure out what happened to my payment and what I was going to do in order to afford this. I called caliber and asked them what was going on with my payment increase. I was told that I had an escrow shortage on my mortgage because of insurance payments not being calculated correctly. The representative told me that the loan processor did not calculate my home to have windstorm. I don't understand how this could happen, especially since Caliber had done my original mortgage and can clearly see that windstorm was on there previously. The representative was baffled as well, she did her best to help me by extending the escrow shortage over 36 months. This made my payment {$1200.00}, which is more expensive than the mortgage I had before my refinance! This is ridiculous. Now my thought is that the loan processor clearly knew what he was doing and just wanted to turn through another mortgage regardless of the outcome to the customer, or windstorm is not required for my home.
|
| 03/18/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I am writing to file a complaint against Caliber Home Loans because I have been attempting obtain a loan modification from this company since XX/XX/XXXX. I have been jumping through hoops providing documents over and over to satisfy the underwriting department. Unfortunately, each time I thought that I was close to gaining approval I would be told that I needed to provide additional documents which happened to be documents I already provided but I was told that they expired due to the required amount of time it takes the underwriting department to review applications. I have continued to supply the documents that have been requested of me because my husband and I are in desperate need to save our home given our recent financial struggles. Nevertheless, after recently submitting my last loan modification packet in XX/XX/XXXXof this year and ensuring that I provided all required/requested documents, I was told yet again that I needed to provide more documents because the underwriters want up to date documents yet the documents I just provided in XX/XX/XXXXwere not considered expired or 90 days old as of yet. In addition to the fact that once I provide all of the documents that have been requested I will have to wait an additional 30 days for a decision to be made as the clock will start over again. I was also told that even after submitting requested documents that I should continue to submit update documents to avoid the documents from becoming expired and or the most current. I think that this is a feeble attempt to stall the approval process or to avoid providing modification assistance to those in need. The process that is being employed by this mortgage company is unreasonable and ridiculous. This is very unfair and unjust to the customers in need of assistance.
|
| 05/04/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I am behind on my mortgage, but am going to catch up, on XX/XX/XXXX, I spoke with POC XXXX with Caliber. She asked what us my plan for the property. I told her that I will be catching up on my house, that XXXX will be sent to them by friday the XX/XX/XXXX. I asked if I could make a debit card payment online and she told me that I was unable to because of having a bounced check in XX/XX/XXXXof XX/XX/XXXX. XXXX also asked when I could send yhe rest of the money, I said around XX/XX/XXXX, I will be able to send another XXXX and she said good that will catch you up. I asked if that would avoid foreclosure and she said yes. So then I told her that I will have to overnight the payment. I went to USPS on Friday the XX/XX/XXXX, paid to have the cashiers check overnight, Caliber recieved the check on Monday, XX/XX/XXXX at XXXX. On Thursday, I received a call and I forgot his name but he asked what were my intentions with the property. I explained that I talked to XXXX on the XX/XX/XXXX, told her my pkan and the above conversation, and said you recieved the payment on the XX/XX/XXXX.
Then the representative stated that they will not accept single payments as my house is in forclosure and that i need to pay 7 plus grand in full and the attorneys fees in order to get out of foreclosure. I asked why, when on the XX/XX/XXXX, I was told as long as I sent big payments, I would avoid forclosure. He had no answer for that and said my checks would be returned because its not the full amount and unless I have the full amount plus attorney 's fees, then I can get out of foreclosure. I had to end the call because Im so frustrated and stresses. They have XXXX dollars half of the XXXX grand owed and purposely hold it and not apply it to my mortgage so they can put me into foreclosure.
|
| 10/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I've been calling Caliber Home Loans numerous times since XXXX of this year, attempting to speak with a competent person that can explain why Caliber Home Loans took {$2000.00} out of my escrow account unexpectedly on XX/XX/2022. I have been calling to understand why this action took place and to ensure the money is promptly put back into my account. The money taken from Caliber is money I had added to my account of my own free will and for the purpose of lowering my mortgage payment each month. The money was taken out of my escrow account after I had paid the same amount ( {$2000.00} ) into the account XX/XX/2022. After numerous attempts calling and explaining this problem to Caliber 's customer service line, spending hours on the phone and speaking with multiple people in the Insurance Department, Escalation Department, and Customer Care Department, I have not had one person able to offer a solution. Each person I would speak to usually ended up telling me that I needed to speak with another department and/or that someone would reach out to me to help. During my last several attempts at calling Caliber Home Loans, I had been very explicit that I needed to speak with a " Level 3 Agent '', as it was explained to me by customer care that these agents are the highest level of management for customer service and that Level 3 Agents are qualified to help with a problem such as mine. Despite making several attempts to speak with Level 3 Agents on different days, each time it was explained to me that Level 3 Agents are not available and they would call me back within 72hrs. Since my last attempt on XX/XX/2022 I have not received a call, text, email, or any other form of communication from one individual at Caliber Home Loans since first reaching out with this problem.
|
| 12/05/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have a Mortgage Loan serviced by " Caliber Home Loans ''. I trust, " XXXX '' is the Investor, as they sued me for Foreclosure.
My mother XXXX XXXX sometime back and we could not afford the Mortgage payments. Hence we became delinquent and are trying to do a Short sale, for the last 8 months or so, to avoid a Foreclosure on our Credit Report.
My 3rd party submitted several ALL CASH Offers, the last of which was about {$500000.00}. This Buyer is willing to close in 15 Days and take care of all the extensive repairs amounting to around $ 300K ( Inspection Report by a Licensed Inspector and a Repairs Estimate by a Contractor attached ), as also deal with the delinquent tenant. He is Ok with a Short Sale or a Note Sale, whichever is OK with Caliber.
But unfortunately, Caliber is stone walling all the Offers, saying that short sale/Note Sale is not an option at all now. They are not even giving any counter-offer, but only saying that I have only 2 options, namely : 1 ) Deed-in-Lieu ( DIL ) 2. ) Bringing the Loan Current by paying around $ 380K.
I have told them several times already that both the options are not at all feasible, because : 1. ) There is a delinquent ( XXXX ) tenant, who has not paid rent for about a year now and I have started eviction proceedings against him ( copy attached ). I am told, as he is a XXXX person, the Courts would be much more lenient towards him and the case can go on for a year or more. So DIL is not an option at all.
2. ) Secondly, to expect me to pay about $ 380K and bring the Loan current is also a far cry, as I am bankrupt now. In the first place I was not able to even maintain my monthly mortgage payments, which is why, I am in this situation. So the 2nd option of bringing the Loan current, is also not at all feasible.
|
| 05/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American, Servicemember |
|
Erroneous Reporting of Missed Mortgage Payments XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX In XX/XX/XXXX, my mortgage was transferred from : Caliber Home Loans , Inc. of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX When applying for a new loan, it came to my attention that Caliber Home Loans , Inc. , my previous mortgage lender, erroneously entered my payments for calendar year XXXX. To wit : A. On XX/XX/XXXX, Caliber approved a loan modification for my mortgage for {$4200.00} per month, which ended my arrears ( Encl XXXX ).
B. I made monthly payments by the 1st of the month as specified. The payments were made with XXXX ( XXXX ) or XXXX ( XXXX ) USPS money orders, totaling the entire monthly mortgage obligation. { NOTE : USPS issues postal money orders with a maximum amount of {$1000.00}. } See attached XX/XX/XXXX payment.
C. However, staff at Caliber chose to assign my monthly mortgage payments, for calendar year XXXX to various sub-categories, as opposed to applying the entire monthly payment as annotated on the monthly mortgage statement.
D. Subsequently, Caliber staff continued to report to credit agencies as if I was still in arrears on my mortgage payments.
E. I requested XXXX XXXX Servicing, my new mortgage provider, review my calendar year XXXX monthly mortgage payment history and correct the erroneous information provided to the various credit bureaus.
F. XXXX denied my request to have my calendar year mortgage payments correctly identified and having the monthly amounts paid-in-full.
I request assistance in getting my calendar year XXXX mortgage payments correctly identified and having the monthly amounts annotated as paid-in-full.
|
| 05/04/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Initially we applied for a loan modification with XXXX XXXX. The temporary loan agreement was sent to us by XXXX XXXX and we made the XXXX payment on the agreement, but the loan was literally sold the next day. The new servicer Caliber Home Loans called us a few days later and asked what our intentions were since they were denying our original temporary modification agreement. We never received an exit letter from XXXX XXXX, and now we were faced with a new servicer not willing to except any agreement we had with XXXX XXXX. Their solution was for us to reapply for a loan modification with them from scratch. We have been in a back and forth battle trying to get a modification. After a few months they wanted us to send them more money, and they would look to continue with the original modification we had with XXXX XXXX. We asked XXXX to put it in writing, but they never did. We have now attempted XXXX times to get a loan modification with no avail. With contacting a HOPE and a Housing Counselor, it looks like our FHA loan has turned into a conventional loan. Both the Hope and Housing Counselors did not understand why our loan type changed from FHA to conventional. It 's both the counselors understanding that this loan type should not change without a refinance ; no refinance was ever done by us to change the FHA type loan. We have requested that Caliber Home Loan look into this dispute by sending them our closing statement and the FHA loan number we 'll provide the same to you. It seems they are calculating my Debt to Income ratio not in accordance with FHA guidelines. We are facing a Sheriff 's sale on XXXX/XXXX/XXXX, and we have used all our postponements in working with them. We are requesting that you look into this matter, so we can maintain our home.
|
| 06/09/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
As a homeowner for 21 years with not one day late, I applied for a loan modification due to economic recession, reduced income and a divorce. With countless faxes, documents ( mail or fax only ) and run around, XXXX XXXX managed to lose my documents and my payments and threaten foreclosure. I was XXXX a single mother where a family dream home became a nightmare. I finally had to file for bankruptcies to stop the foreclosure after settlement under Independent Review with a mere {$500.00}! I was once again devastated and my life is still in limbo, unstable and no success with modification from XXXX XXXX. Instead they transferred ( or sold ) my loan to Caliber Home Loans which I was relief thinking there 's light under the tunnel with new services and some relief for they allowing me to email documents and hope for a modification finally I thought. What a deception! Same lost documents, same run around same tactics as XXXX XXXX but worst! Caliber Home Loans never intent to help me with loan modification as my loan information was never set up nor attempt to modify or give me a reason but stonewalling me and not getting all the documents while collecting late fees, attorneys fees and push me further in arrear from the original loan balance from XXXX XXXX of {$170000.00} to now over {$300000.00} which is stealing my equity and my retirement!!! If this is not a slap in the face robbery, I do n't know what is. How is this practice being allow to happen in America? So unethical, so wrong especially when they promised to help, instead they are robbing you from everywhere and from behind the scenes!! Thank God my attorney let me know about CFPA and this website to finally file a complaint! Please help me to stop these Goliaths from harming me any further!!!
|
| 12/15/2016 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
|
|
We are in the process of purchasing a home and we started this process in XXXX of XXXX. I am legally XXXX and my name is XXXX XXXX XXXX and my Significant other is XXXX XXXX XXXX. We are in the final stages of closing but we have come across an issue that has been causing us nothing but headaches. XXXX XXXX XXXX was married and got a divorce back in XXXX. In her divorce decree her ex-husband agreed to pay those XXXX bills and unfortunately, he passed away and never paid those XXXX bills. XXXX was unaware of these XXXX bills had gone into collection. XXXX did address the one from XXXX for {$1000.00} and has been settled. The one for XXXX recovery has falling off her credit report. The issue that we are encountering is that Caliber Home Loans is running a supplement credit report and it is still showing both collections in dispute. This would be incorrect since XXXX has all XXXX credit reports from all XXXX credit bureaus { XXXX, XXXX, XXXX }. Caliber is using a XXXX party software from XXXX. XXXX was advised that to contact XXXX. On XXXX, XXXX contacted XXXX at XXXX and spoke to XXXX. XXXX stated that XXXX only updates its credit history every 60 days and that is why her credit history would be in accurate. We have requested that Caliber get an updated supplemental credit report numerous time and each the report comes back the same. Our loan officer and his staff have made very clear that they are unwilling to accept any other source { XXXX, XXXX, XXXX } printed report. I have spoken to a few other Mortgage Loan Companies and they have told me that they have a gap of no more than 3 days. It is very clear that either Caliber should not be using XXXX or that XXXX XXXX is discriminating against us. I a deaf and use equipment to talk over the phone.
|
| 02/27/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Due to circumstances beyond my control, I filed for chapter XXXX bankruptcy on XX/XX/XXXX.
On XX/XX/XXXX we met with the trustee, I was told by the chapter XXXX trustee XXXX XXXX that we need to have a loan modification.
In XX/XX/XXXX we filed documents for a loan mod. It was never reviewed because my attorney, XXXX XXXX XXXX. failed to send a document to the bank, giving permission to negotiate a loan mod.
My home was scheduled for a sheriff sale on XX/XX/XXXX, When I called the bank, I was informed that I could not file because of the 37 day window.
I went to court on XX/XX/XXXX, I filed a motion for a stay, I was granted a stay until XX/XX/XXXX.
Court document is included in my package.
I then filed a new loan modification packet on XX/XX/XXXX.
I received a letter from the bank stating that additional documents were needed, I got the documents and uploaded to the bank on XXXX XXXX.
On XX/XX/XXXX I contacted the bank to follow up, at this time I was advised that there was more documentation needed, however the 37 day cut off was XX/XX/XXXX. Yet I was advised on XX/XX/XXXX.
As of this point, Caliber Home Loans will not review a loan modification because of the cutoff.
I have been in constant contact with Caliber Home Loans, I have provided all the documents they required, they were sent in a very timely manner, yet now the 37 day cutoff is going to prevent a loan modification and they are going to proceed with the foreclosure and sheriff sale on XX/XX/XXXX.
This is extremely unfair, I have done all I could on my end. I believe they intentionally stalled the process, so they could foreclose on my home.
I have all the documents sent to Caliber Home Loans, it is in my opinion that Caliber Home Loans committed fraud upon me.
|
| 08/17/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Please see attached -- LETTER TO CFPB PROBLEM : My escrow amount increased significantly in XXXX and again in XXXX which has caused my mortgage payment to increase {$150.00} a month. When the mortgage company ( Caliber ) was contacted, no one could get to the bottom of why it increased. They would say it was due to an increase in my homeowners insurance and/or county taxes. When I called to confirm both, the Homeowners Insurance Company and XXXX XXXX XXXX stated very minimal increases ( nothing over {$20.00} ), if any. Caliber was taking the annual amount out of my escrow to pay for my Homeowners association dues. They took the annual payment out in XXXX ( approximately {$800.00} ) and have yet to send the payment to XXXX ( the management company for my Homeowners association ) for payment. I also received a letter from Caliber Home Loans in XXXX, stating that they would no longer pay my homeowners association dues and then a letter in XXXX stating that Caliber sold my loan to a new mortgage company ( XXXX ). 1. The money that was taken out in XXXX is sitting in my escrow and they never sent the payment. This has caused me to accrue late fees with my HOA ( Homeowners Association ). To date, this payment has not been sent to the property management company for my HOA. 2. My escrow amount should not be this high and the increase not noted and given to me in detail in writing. The only correspondence I received was my mortgage coupon and a letter stating that there will be an increase in my mortgage due to my escrow account. My increase went from {$370.00} to {$470.00}, which is a {$97.00} increase multiply that by 12 months and that is {$1100.00} a year! 3. Since they will no longer pay my HOA fees, my escrow contribution should decrease.
|
| 05/10/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
I have received an incorrect XXXX for XXXX from Caliber Home Loans. The property was purchased on XXXX/XXXX/XXXX for {$56000.00}, paid on for 11 years and sold at a short sale for {$20000.00} on XXXX/XXXX/XXXX. I have authorized my partner to talk to Caliber in trying to resolve this issue to no avail. This has been going on since XXXX/XXXX/XXXX and here it is XXXX/XXXX/XXXX. We have called at least 3 times but have been given the run-around by employees and supervisors. We have talked to Customer Service and Short Sale Department, but no one was willing to listen and re-send a corrected XXXX. We asked Customer Service to send us an itemization of how they came up with the {$100000.00}. We finally received the information requested a month later and quickly discovered the error made by Caliber. The amount written off on XXXX/XXXX/XXXX was {$52000.00}, and it was also written off on XXXX/XXXX/XXXX in the amount of {$53000.00}. Then, the XXXX were added together to total {$100000.00} which is supposedly the amount of debt canceled by Caliber. When I explained this to Customer Service who then explained to her supervisor, the response was they did not write the loan off twice and that the $ XXXX was fees and actually hung up on me. This is totally bogus and should be corrected immediately so we can file our XXXX income tax return. I have attached a copy of this itemization and underlined the errors along with XXXX XXXX.
I will not be able to testify at a hearing because I am the XXXX for my wife who was XXXX and would not be able to travel to XXXX, TX.
I would like Caliber Home Loans to overnight a corrected XXXX for XXXX.
I can not file XXXX income tax return until this is settled. I would like Caliber to over night the corrected XXXX.
|
| 09/06/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
my names XXXX XXXX XXXX am the daughter of XXXX XXXX and well I do n't understand much bc she dosnt understand and what lil she know she tells me and she had not been aware of the fact that this company caliber home loans is another company from wich is not the original company she has the loan with that they were infact someone ealse whos helping her pay it off she thought that the orginal comapy has sold to them she was confused until I read THESE PAPERS TO HER CORECTLY. she has fell way behind due to her getting ill and being hospitalized I wich she lost her job as well as her vehicle shes trying her best now to do payments but she is now cofused and dosnt know whats going on at all except that shes behind and their telling her pressuring her to send more douments in to them of she WILL LOSE HER HOME ... .my mother has and dose suffer from XXXX XXXX we just now maybe 4 months ago have her doing well and coping with this but thes phone call she gets and letters in the mail are slowly takeing her backwards on what weve worked hard on we need help in as to whats going on and what they can do to help us get back on proper payments bc she canot afford XXXX and up payments every2 weeks. also in another letter she recived its stating that the company put insurance on the home and that she liable to pay it and those payments are more that XXXX a month. she cant afford this at all.
also the person who has asked for this loan is still on this yet he does n't live their or anything at all nor dose he care we would like to know if theirs a way to remove him or what we can do about that as well ... because god forbid something happens to my mother and he try 's to come in and pay the rest off and try 's to take the property what then????
|
| 05/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We closed on our house on XX/XX/XXXX. It is in NJ with large quarterly tax payments associated with owning a home. Our lender ( Caliber Home Loans ) required we setup an escrow account to fund the quarterly tax payments ( ~ $ XXXX XXXX. On XX/XX/XXXX we received a property tax bill notice in the mail saying our XXXX XXXX tax bill had not been paid. On XX/XX/XXXX I contacted Caliber Home Loans. I was told there was a problem setting up my mortgage for tax payment but that would be resolved within the next 20 days. I submitted a copy of my quarterly tax bill to Caliber and everything was confirmed to be moving in the right direction. I was also assured that I would not be responsible for any late fees. On XX/XX/XXXX I called Caliber back to confirm everything was moving in the right direction. I was told that everything was in fact moving in the right direction and the tax bill would be paid soon. On XX/XX/XXXX, I received a late notification from my town in NJ saying my tax bill had still not been paid and notifying me of a {$100.00} late penalty. I called Caliber back on XX/XX/XXXX and they informed me my mortgage was still not ready for tax disbursement. They use a third party firm called XXXX XXXX to liaise with local tax municipalities and this group would not be able to finish their job until later in XXXX. I have asked Caliber for advice on how to deal with my local tax authorities and they are unable to provide specific information just " we are working on it. '' They are also unable to immediately refund my escrow account. So in short I am stuck with a tax bill I cant pay because Caliber is refusing to pay it. Caliber is also unable to refund me my money so I can pay it. This doesnt feel fair and I am not sure what to do?
|
| 12/03/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
had a mortgage with XXXX starting in XX/XX/XXXX mortgage was an ajustable rate that was sold transferred and according to mortgage scam of XX/XX/XXXX XXXX along several other mortgage lenders were bailed out and were to help borrowers out but never offered borrowers anything except sell from one mortgage company to another .imy mortgage fell under what was called predatory lending .after 9 years of foreclosure threats. my property went up for sale XX/XX/XXXX by caliber home mortgage and was sold for me to stop sale i had to file a chapter XXXX bankruptcy. this case should have never gone to superior court as it was scheduled to be heard again in clerk of court but as usual attorneys for mortgage lender did not appear for hearing 2 days later i recieve notice from attorney for mortgage company case would be heard in superior court under judge XXXX XXXX in that court it was ruled that the sale be allowed .i feel that this was a case where improper illegal situation happened being that every time for the pass 8 yrs clerk of court always stated that attorney for mortgage lender did not have all paper work needed .this is why i am filing this complaint i have documentation that show false information and the documents were forged .so this is why i am asking cfpb to help me stop any action for sale of my property.i would like to be heard in a court of law with a jury how the mortgage lender an attorney and judge worked together to forge documents cheat and swindle home owners out of there property .i also know that these individuals have very powerful connections threw out the world so going forth with this action could possibly put my life and families life in jeopardy so i am asking for help please i need help .yours truly XXXX XXXX
|
| 02/26/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I bought my home in XX/XX/XXXX and refinanced with XXXX dba XXXX in XX/XX/XXXX which sold the loan to XXXX in XX/XX/XXXX. There have many different Servicers and the most recent on is Caliber.
Caliber asked us to provide them evidence that we paid them during XX/XX/XXXX to XX/XX/XXXX, but they denied receiving it See evidence attached. They charged fees and expenses during my active Bankruptcy, which is presently in appeal before the XXXX Circuit and we are going to Court Ordered Mediation. ( ADR ) Per RESPA, TILA, FDCPA, FAC, CAL CIV CODE, etc. We requested further information from Caliber and XXXX XXXX XXXX, allegedly acting as a Trustee for the XXXX XXXX XXXX Trust, and they have failed to provide it and disclose detailed information about this Trust which we require for Mediation.
We have also demanded a copy of their most recent Proof of Claim ( POC ) and rectification of what they have stated in the attached documents.
Also, they keep attempting to foreclose on our property even though my wife has filed a Chapter XXXX BK and has an automatic stay in place.
They have even sent drones and taken pictures of my family and home without our permission which is totally unlawful in XXXX. We filed a complaint with the XXXX Police Department with evidence, and they must now disclose the information of who was/were the individuals that flew the drone ( s ) over our home near the XXXX Airport, and deliver the originals to the Police Department in XXXX, or run the risk of any employee of XXXX XXXX DBA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CALIBER HOME LOANS, et al being arrested. We are in the process of filing a Temporary Restraining Order ( TRO ) against them.
We await all the documentation requested as soon as possible.
|
| 02/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Name : XXXX XXXX DOB : XXXX LAST 4 OF SOCIAL : XXXX REPORTING COM : Caliber Home Loans On XX/XX/XXXX a mortgage company posted 30 days late on my account " Caliber home loans '' They haven't received my check And called me 7 days before the 30 days due date, I made the payment right away with their rep on the line, he DID NOT inform me that with the payment method I chose it will take them 7-14 days to receive check, they got the check 1 day after the 30 days due date and reported 30 days late.
Lack of communication on their side while I was completely registered with them, including email and phone number and alerts.
Tried to speak to their supervisor right after incident and they kept saying he or she is sick, took me 2 weeks to speak to a supervisor.
I tried to dispute this and they are not cooperating with the beaural attempts to resolve this.
Was reading other people complains online and I'm not the only one.
I have two mortgage companies I'm dealing with, and a problem like that never happened, I take my credit very seriously and because of their lack of communication I got into this situation.
They keep saying that because it was 1 day after the 30 days than it's not an error, instead of taking responsibility for their actions, informing me sooner they haven't received payment and most importantly telling me to choose a different payment method so the payment will be reflected right away.
Sent them a proof already that payment was made at the date of their call ( 7 days before the 30 days ) And a letter from the bank indicating I had over 30k in my account at the time, so there wasn't any problem with my ability to make payment.
Please help me resolve this matter and to remove their late payment from my report.
|
| 10/09/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
On XXXX XXXX, 2015 my home windows were plastered with Trustee Sale papers for all my neighbors to see.
I immediately called XXXX XXXX, the " single point of contact person '' assigned at Caliber home loans to find out whatwas going on. When i called she said, that caliber and trustee corps were going to sell my home of 17 years. I told her that this would be a grossviolation of my home-owner bill of rights due to the following:1. I was in an active " Dispute of the alleged Debt '' from XXXX and that I did not owe the alleged amounts that they are alleging.
2. I have an active " Request/Demand for production of QWR and Debt Validation proof '' 3. I have an active " loan modification '' package on this account if and when Caliber can establish the " alleged amounts that they are claiming as due.
4. I have not received any mail. email nor phone call with notices of any default or of the upcoming foreclosure sale.
5. She said that Caliber got this account XXXX and that they took it and they did not have to communicate anything I told her that I have not received any good bye mail nor notice of the previous XXXX nor a hello or notice of Caliber as the foreclosing bank or entity and that she and I spoke in XXXX XXXX and that she was going to mail me information which i never received, never the less I sent them an " official debt dispute '' on XXXX and since then have n't received anything from them.
Therefore, they should immediately " stop '' the sale of my home.
As of today, they are changing my single point of cantact, have not given me any information and appear to be pushing to sell my home of 17 years.
I need your help to stop them from doing so especially, while all of this is being sorted out and investigated.
|
| 06/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
In XX/XX/XXXX I called Caliber Home Loans to inquire about the option to refinance. The loan had recently been sold to them from another mortgage company. The lady on the phone asked what my reasoning for wanting to refinance and I told her to lower the interest and payment. She said that there were options available and directed me not to pay the next few payments in order to be put in the program to lower my rate and payment. I was lead to believe that I was going to be going through a refinance. Starting in XX/XX/XXXX I was instructed to pay a lower payment amount for 3 months and then they would finalize the payments and interest. They had put me into a forbearance and loan modification. When I called and asked what this meant they said this was the only way to get the lower interest like a refinance. I had no idea I was not getting a refinance. I paid the payment for 3 months and they extended it for another 3 months through XXXX. Then they said they were going to finalize everything and not to pay XX/XX/XXXX. In XXXX I found out my house was in the paper as being auctioned off on XX/XX/XXXX. I called and they said I had not made a payment since XX/XX/XXXX and my house was being foreclosed on. I paid almost {$13000.00} to have my loan reinstated and have been fighting this issue with them since XX/XX/XXXX. They finally reported that my loan status was ok for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX but they will not budge on the other months. I was told by them and followed instruction by Caliber Home Loans to not pay for those months. I had never missed a payment with the other mortgage company or with them prior. This is predatory lending and they coerced me into a loan modification under the guise of a refinance.
|
| 08/18/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
After several failed attempts trying to save our home it was sold on XXXX/XXXX/16 beginning in XXXX 2016. We contacted Caliber Home Loans and explained our situation at which point we begin the process of " loss mitigation with Caliber Home Loans. We were also advised by Caliber Home Loans to contact " Keep your home California '' which we did as well. We were notified at the end of XXXX that " keep your home California '' approved us for financial help and that a packet was being sent to Caliber Home Loans. XXXX XXXX we were notified by " Keep your home California '' that Caliber Home loans ( who referred us ) rejected the assistance that was being offed from " Keep your home California '' on the basis " Your loan servicer ( Caliber Home Loans ) has not approved your loan for participation in the Keep your home California program.
Caliber Home Loans has not once offered any alternative to foreclosure. We have reached out to Caliber several times and requested assistance however none was ever offered. As a former customer of Calibers I 'm embarrassed and horrified by Caliber 's treatment of a customer who has done everything to try and keep our home. I was laid off XXXX XXXX 2016 and have been looking for work and trying to save our ( My wife and XXXX children ) home.
I will be sending this along with the offer to assist letter from " Keep your home California '' that was denied by Caliber home loans, to anyone that is willing to listen. Councilman, Congressmen, Representatives, Federal Trade Commission & media outlets. I want my situation to help others unlike Caliber Home Loans. I have also included the approval letter from Keep your home California dated XXXX XXXX 2016, were assistance was denied by Caliber Home Loans.
|
| 10/27/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Due to a divorce I had to declare bankruptcy a little over two years ago. During the divorce proceedings we were told to stop making payments on the mortgage as neither of us would be able to afford the house on our own. That was XX/XX/2010. Since then the bank has never finished a foreclosure. They have started multiple times but just never finish it. I was under the impression that after my chapter XXXX bankruptcy went through that I would have to wait a minimum of two years before qualifying for a mortgage. I did everything in my power to repair my credit and when the time came my credit was good enough but they would not give me the loan due to the bank not finishing the foreclosure. I paid {$10000.00} to my landlord for the option to purchase and now ca n't purchase. It 's been nearly 5 years since we stopped making payments on the mortgage and my debt has been forgiven. Now the bank has sold the mortgage to another mortgage company and they are starting the process all over again. It 's already been six months since they have filed for foreclosure and I 've spoke to both the attorneys filing the foreclosure and the new mortgage company and they are not sure what is going on. All the previous attempts have just been cancelled without prejudice. Regardless even if they do get it finished I will have to wait an additional 3 years before I can apply for a FHA loan. I have done everything asked of me and because the bank can not finish their process I have been set back a minimum of 3 more years. How is that fair to the consumer. The mortgage companies need to be held accountable for the devastation they are causing the consumer. Thanks to this process I most likely will have to move and lose {$10000.00} in the process.
|
| 10/04/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
XX/XX/XXXX my husband and I filed for Chapter XXXX Bankruptcy. We had a 5 year plan and paid our trustee on time, never late for 5 years. We were discharged XX/XX/XXXX While in the bankruptcy we filed for a loan modification with our lender XXXX. After several months we were approved for a lower payment XXXX XXXX to XXXX ) and our account was brought current. We had to get this modification approved by our trustee..which we did. XX/XX/XXXX our loan was transferred to Caliber Home loans, who recognized and accepted our new payment amount of XXXX. However, they failed to bring the account current, without our knowledge. Prior to our case being discharged, Caliber was sent a letter to notify the courts and trustee if there were any errors as we were due to be discharged. They did not respond. Our bankruptcy was discharged free and clear of any past due amounts. XX/XX/XXXX, Caliber contacted us and said we were XXXX behind and threatened to foreclose. They made us do a repayment plan to get caught us and NEVER HONORED OR RECOGNIZED THE modification to bring the account current, although we provided documentation. We have been struggling for11 months making double and triple payments on money that was not even due or owed. We want to keep our home and feel that Caliber did not honor what was approved by the courts and they failed to comply with the rules that a debtor needs to be notified prior to discharge of any discrepancy. We have suffered an enormous amount of stress and agony just to ensure we are back on track not to mention the house is over XXXX over the amount it is worth. In addition, Caliber has reported late payments the entire time we have been with them even in the bankruptcy which I thought was against the law
|
| 02/19/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I bought my home in XXXX and refinanced with XXXX dba XXXX which sold the loan to XXXX in XXXX. There have many different Servicers and the most recent on is Caliber which had its licensed revoked in the State of California. by XXXX XXXX XXXX Deputy Commissioner XXXX XXXX XXXX Assistant Chief Counsel XXXX XXXX XXXX ( State Bar No. XXXX ) Senior Counsel Department of Business Oversight XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, California XXXX Telephone : ( XXXX ) XXXX Facsimile : ( XXXX ) XXXX The ruling stated : NOW GOOD CAUSE APPEARING THEREFORE, it is hereby ordered that the residential mortgage lender and servicer license issued by the Commissioner to Caliber Funding LLC is hereby revoked. This order is effective as of the date hereof. Pursuant to Financial Code sections 50310 and 50311, Caliber Funding LLC has sixty days within which to transfer its existing service accounts and complete any loans for which it had commitments. Dated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, California Commissioner of Business Oversight By : XXXX XXXX XXXX Deputy Commissioner Enforcement Division.
Yet during XXXX I sent Caliber over {$20000.00} USD which were not applied to my alleged account. ( See 1098 and Trustee Letter attached ).
Pursuant to RESPA, TILA, FDCAP, FAC, etc. I requested further information from Caliber, XXXX XXXX acting as a Trustee, and the alleged Trust that has my note, XXXX Master Participation Trust and they have failed to disclose this fact to me.
They keep attempting to foreclose on my property even though my wife has filed a Chapter XXXX BK and has an automatic stay in place.
They have even sent drones and taken pictures of my home and family without my permission which is totally unlawful in XXXX.
|
| 04/16/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Settlement process and costs
|
|
Web |
Older American |
|
In XX/XX/XXXX, my wife 's mortgage loan with XXXX was sold to Caliber Home Loans beginning in XX/XX/XXXX. Our issues with the sale of our mortgage are many beginning with XXXX. Their claim was that our payments were late even though our payments were sent return receipt requested showing payments arrived on time. XXXX began returning our payments and threatening foreclosure even though we had a agreement from one of their representatives to fix so called problems. In any case the loan was sold. My wife has since passed away ( XX/XX/XXXX ) and I as her executor and beneficiary I have beentrying without success to get any reasonable or knowledgeable responses from Caliber Home Loans. They are as follows ; 1 ) We had a modification in XX/XX/XXXX with XXXX and with the contracts mandated for my wife to sign was a life insurance policy for the principle of the loan. With the sale of the loan to Caliber, which we were never given a notice of, this life insurance policy disappeared and were never given the choice of continuing on with the policy. XXXX was the beneficiary of the policy and XXXX paid for the policy through our mortgage. The mortgage was bought by XXXX who has changed the loan with no agreement from us.
2 ) We have tried to get an explanation and accounting of how this mortgage grew from {$200000.00} to XXXX. Enclosed is a copy of the last XXXX statement and the first Caliber statement.
3 ) Enclosed is a copy of the modification that Caliber has given me 15 days to sign even though I have repeatedly requested this information. We are willing to continue to make payments while this issue is being resolved.
This could all be resolved if I did not keep getting different answers from everyone I communicate with.
|
| 03/29/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I had a mortgage with XXXX acct. # XXXX which was sold to Caliber acct # XXXX. In XX/XX/XXXX they force placed insurance on my account and for YEARS I sent that I had had proof of insurance and they kept misapplying my payments towards escrow shortage rather than my mortgage & charging late fees. Finally in XX/XX/XXXX I spoke to someone with some sense and they mailed a check to me for theforce placed insurance. SInce in the interim they had sold th loan to XXXX ( Now Caliber ), when they sold the loan they transferred the incorrect amount. Therefore when I would send my payments to Caliber they kept returning them to me stating the payment was not enough to cover the debt.
XXXX sent the reimbursement check made out to XXXX AND THEY ( XXXX/Caliber ) STILL returned the check to me stating it was n't enough.
I finally thought that this nightmare was over last year, but it has continued to be an ongoing nightmare and my account keeps accumulating late fees & my payments continue being returned with them stating it is not enough to cover the debt. I have had to hire an attorney who also gets the run around. I have contacted the attorney for Caliber and even he can not get an answer from Caliber.
Caliber states that they can not waive the previous late fees and misapplied funds because that it what was sent to them by XXXX.
What I need:1 ) XXXX to correct the misapplied payments, remove the late fees, update the credit bureau and report the correct balance to Caliber.
2 ) Caliber to waive the late fees, update my credit bureau apply the escrow credit balance and accept my payments for all of the payments that I have sent & have returned to me. I have this amount in my account and just want this nightmare to be over.
|
| 10/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
This company is a nightmare. I called in 30 days ago to end forbearance and request a covid flex modification. They did not comply and instead kept me in forbearance. Whenever I call the number on the website, I'm unable to speak to a live person. If I select modification on the phone tree, it lands me at a 'canned response ' that states " please look at the website '' and then hangs up. I applied for a mod 30 days ago only to learn that they never took me off forbearance and basically ignored the request. Then I have been going through circles of ridiculous needless paperwork with a underwriter that obviously either doesn't know what is required for a flex mod or is purposefully trying to get home owners lost in endless loops of unnecessary documentation that no other mortgage company has ever asked for on a flex mod. This company is clearly trying to put up fabricated obstacles to a Flex Mod in the hopes of getting home owners lost in the weeds. The required and requested documentation is clear from their initial packet which I sent in completed and they are now changing these requirements on the fly. The most recent request is a good example... I initially sent in my P & L for the last quarter which is what they asked for in the packet and now they are stating send in each month separately. This is a stall tactic. They don't need that granular info for a flex mod. The waterfall doesn't require it. I guarantee when I send that in they will come up with another obstacle which is unnecessary. When they keep changing the rules on the fly then its obvious to me what they are doing. Not being able to speak with a live person just makes it worse. Everything they are doing isn't necessary for a flex mod and they know it.
|
| 11/13/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Caliber Home loan is delaying payment processing time online to collect late fees or processing fees over the phone. The company grants you a 15 days grace period to pay your mortgage but I logged online to their website at XXXX EST on Friday morning, XXXX/XXXX/2015 and it states that the my check payment will not post today but rather Tuesday, XXXX XXXX which will in turn cause a late fee. I have processed several payments online for loans, like credit cards and car payments and the check payment is posted the same day and will be pulled out 5 days later on average. I do not understand if I make a payment on Friday Morning why would it take 3 business days to be posted to my account. Friday is a business day and what happen to Monday. The company selected Tuesday because a {$34.00} late fee would apply to your account. Late fees are " Extra Income '' for the company and I am sure that this is where the company 's bonus is coming from. To avoid a late fee charge, I called to make a payment over the phone which is a {$15.00} fee. I used the same checking that I was going to use online so why is n't there a delay over the phone? The company is not working for the best interest of their customers or creating a win-win for their customers but rather working in the best interest of their shareholders. I do understand that this is a company that operates off of capital but I do think that they should be fair and ethical. They are working the system and it 's unfair and needs to be stopped or the company needs to be fined!!! I would like my {$15.00} credited back but also for Caliber Home loan to change their payment posting delay online because I know that they could have posted that payment on Monday instead of Tuesday.
|
| 02/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
To Whom It May Concern : On or around XX/XX/XXXX, just after the 24 month seasoning requirement was fulfilled, I called in to Caliber Home Loans to begin the process to remove PMI on my mortgage based upon appreciation and substantial improvements. This call set in motion what could only be considered a series of delay tactics to prevent a homeowner from exercising their rights under the Homeowners Protection Act of 1998.
When the paperwork was finally received in late XXXX to authorize and fund a BPO showing the increase in value, it was accurately filled out, and promptly returned with full payment on XX/XX/XXXX. As indicated on the attached documentation sent by Caliber, the cost of the BPO was {$150.00} which was remitted.
On XX/XX/XXXX, I received a follow-on letter ( also attached ) from Caliber, stating the BPO was not ordered because I failed to include the proper payment. The cost was changed and is now listed in the new letter as {$190.00}. This is not only improper in that their previous correspondence clearly states a differing cost, but this is causing unreasonable delay during which they are continuing to profit from their failure to follow guidelines as outlined in the Homeowners Protection Act of 1998.
I request that Caliber Home Loans take immediate action to resolve this issue by providing the BPO at the price initially quoted and paid for, and that upon verification of qualifying LTV, the PMI be retroactively credited to my account based upon the date of initial phone request of PMI removal. I would appreciate a response to this letter within 10 business days, outlining the steps that you will take to resolve the situation.
Thank you for your attention to this matter.
Sincerely, XXXX
|
| 05/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I was a part of the disaster recovery modification program since my home was damaged by the storm. In XXXX Caliber Home Loans started me on a three month trial plan. That I successfully complete in XXXX of this year. They sent the letter the second week in XXXX and then said it was due XX/XX/XXXX. A letter that must be notarized for the application to be complete. With transit time, I had less then two weeks to return the notarized application.
I returned it on XX/XX/XXXX and sent it priority mail. I did it as quickly as possible. Fast forward to today and I am getting a foreclosure notice on my home and Calber Home Loans are demanding the {$11000.00}. First, less then two weeks to get a notarized paper back and forth is highly unrealistic. I did the best I could and spent my own money to send it priority mail. Second, today they are telling me that I am no longer eligible for the disaster modification, because I did not get the paperwork back on time and that I have to start all over with a new modification process. After an hour with them on the phone, everyone said I had to start the process over and that the time during my disaster recovery would count against me on my credit report.
I don't want to lose my house so I tried to jump through their hoops, I go to upload the paperwork they want and it wont let me. It says I have to call, error XXXX. It is like they are doing everything they can to try to ensure I go in to foreclosure. How many other people are they doing this to? A two week turn around for a vital document like a notarized loan modification isn't fair and I think illegal. They should be ashamed of themselves for trying to take peoples home who have done everything they have asked of them.
|
| 11/04/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
Caliber had a forbearance hardship modification with Caliber home loan doing the covid 19 .Caliber forbearance plan back in XX/XX/XXXX and suppose to last until XX/XX/XXXX because I asked for an extended also .My loan was owned by Fannie mae XXXX XXXX. I asked Caliber to put all my missed payments at the back of my loan.I told them since I my loan. was owned by Fannie mae that I can ask for this under the care act for my loan to be extended. Caliber approved me for the forevbearance and later on changed my mortgage ownership from Fannie mae to an investor ownership. Caliber also changed my mortgage server to XXXX while I was still in my forevbearance plan with them on XXXX XXXX. I called them and told them that was wrong of what they have done. Caliber had already misrepresent of a loan modification by not sending me all of the documents. Caliber is a untrustworthy loan servers. Now I stuck with XXXX trying g to give me a reasonable forbearance plan. They are the sane as caliber and I don't think they should be handling my mortgage, because ca5 transferred my loan over too early while I'm mortgage was still with them. Now XXXX said my loan is in foreclosure. They gave me a high payment for the forevbearance instead of working with me. I had asked Caliber can I use my equity from in my home and they told me that they took all of my equity and I asked they why and did not get an corrected answer. I told them that I have been in my home for 14 years where are my payments going to and why is my loan not going down after 14 years. I know that I have missed some payments but I know that I had about {$45.00} in my equity the last time I checked on it. I need someone to help me get a reasonable forevbearance plan.
|
| 11/16/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American |
|
I am a XXXX XXXX XXXX female, on social security. In XXXX XXXX, I purchased a XXXX B/R house in the city of XXXX, OH, with my husband, who is suffering from XXXX. Over the course of XXXX years, I and my husband paid close to {$250000.00} in monthly installments of {$980.00} a month for a house for which the price was {$92000.00} ( See {$160000.00} the interest we paid to the lender XXXX XXXXl ) On XX/XX/XXXX, Me, my husband and son were kicked out of our house. We were paid {$3000.00} for everything we owned in the house. It was worth around {$75000.00} ) At that instant, at XXXX XXXX, on XX/XX/XXXX, we became homeless!
With my Social security monthly income of {$310.00} and my husband 's monthly retirement of {$800.00} we were not able to afford to rent any apartment anywhere in Ohio.
We lived in our XXXX car for 4 months, until after XXXX of that year, by sheer luck we qualified for one B/R unit in a XXXX dwelling.
My husband still cries when he is alone. All our life 's hard work and financial savings etc came to naught.
I WANT JUSTICE.
FROM THE CORRUPT FINANCIAL INSTITUTION WHO HOODWINKED US BY CHANGING THE TERMS OF OUR MORTGAGE FOR THE WORSE AND WIPING AWAY XXXX YEARS OF PAYMENTS WITH THEIR CROOKED ACCOUNTING. We were asked to start afresh to pay the whole mortgage of {$92000.00} starting XX/XX/XXXX.
This should not be the Great America I know, where Law and order are supposed to look out for the ordinary citizens.
All we want is to have our own dwelling, fully paid for, as we have paid about XXXX times the price of the house already!
We do not want any money.
A simple, small, ordinary house fully paid for, where my son and we can FEEL SAFE!
Can some powerful Bureau/Organization help us?
|
| 10/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX and XXXX to Caliber Home Loans , Inc. re undated newly produced XXXX to her Promissory Note.
On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent XXXX her non-endorced Note and two standing alone XXXX
XXXX XXXX was dated XX/XX/XXXX, allegedly from XXXX XXXX XXXX to Caliber Home Loans, Inc ( Caliber ) prepared allegedly by XXXX XXXX XXXX XXXX.
XXXX XXXX ( which appeared for first time from XXXX ) is undated, and prepared allegedly by Caliberss post closing XXXX XXXX XXXX.
According to this XXXX, the payee is Caliber while other parties demand payments from XXXX acting under glimpse of XXXX.
XXXX demands disclosures and verification.
Caliber must state when this XXXX was created and provide the actual date and office location where this XXXX was created.
Caliber must disclose the full name of the Seller of Loan XXXX, when and where this Loan was sold, who was the buyer and proof of payment of this loan such as copies of wire transfer receipt, ACH or cancelled check. Please state names of each individuals for the seller and buyer who were involved in this transaction.
Please disclose if this loan was recorded as an asset on Calibers books and records after this purchase and provide me copies of these records ledger of account receivable where my Note is recorded as an asset.
Please confirm that Caliber is the current owner of my alleged obligation ; and warrantees of this ownership from an authorized individual officer of Caliber.
Please provide the name of custodian of my original Note and the place where this Note and my Mortgage are currently located.
Please make sure that all responses are wet-ink signed by an officer who is responsible for Calibers accounting or bookkeeping.
XXXX XXXX
|
| 05/01/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On or about XX/XX/XXXX a company called XXXX XXXX XXXX has posted a document on my front door which claims to have recorded a document ( attached ) called a NOTICE OF TRUSTEE 'S SALE, hiding its real address and information, without any signature, in violation of TILA and the FDCPA, having the alleged recorded document mailed to another company called XXXX XXXX, at XXXX XXXX XXXX, in XXXX, CA XXXX, when I have in fact, appealed the decision of the Bankruptcy Court and it is presently pending before the Bankruptcy Appellate Panel ( BAP ) in Appeal number : XXXX, against the order to lift the automatic stay. This all stems from the fact that the previous lender called XXXX failed to properly apply my post-petition payments made starting in XX/XX/XXXX, to the loan when it was transferred to the present servicer Caliber Home Loans, in or about XX/XX/XXXX. In fact, we have received payment and running balance statements showing that in XX/XX/XXXX there were still late charges in my account for the amount of ( - {$830.00} ) and increased to ( - {$1200.00} ) under Late Charges on XX/XX/XXXX, when the loan was released, and which should have never existed. Also, we must add that a recent letter from Caliber dated XX/XX/XXXX admits that there was a suspense balance of {$2100.00} in XX/XX/XXXX which should have been posted to the post-petition payments and not pre-petition payments of XXXX XXXX, XX/XX/XXXX. These payments, along with those made during XX/XX/XXXXwere misapplied and Caliber again has misrepresented in the attached letter that I am due for " twelve ( 12 ) post-petition payments totalling {$19.00}, XXXX. Please see their third ( 3rd ) amended payment history attached to the letter dated XX/XX/XXXX.
|
| 08/28/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Our home was impacted by a tornado on XX/XX/XXXX. I communicated with my mortgage company about the house being damaged and was instructed by the insurance company who was repairing the home not pay the mortgage since we werent going to be living at our home.
Each time I received a letter I would reach out to them to let them know the same thing. I kept in constant communication with Caliber, we were placed at a hotel while they found a house for us, I mentioned my husband vehicle was crushed by a tree that landed on it.
It wasnt until the end of XXXX when I received a pink notice on being behind that when I was told by an agent we could pay what was owed. I tried paying it at the end of XXXX since we had just paid out deductible if {$6500.00} we couldnt pay all of it. When I spoke to another agent I was told something different.
In XXXX when I called again I was told our home was now in foreclosure status with a sale date of XX/XX/XXXX and the only thing we we could do is submit metigation application and so we did.
Every document I sent something was missing, I was appointed a SPOC single point of contact however I spoke to different agent each time. My husband is considered a business owner and everything I submitted was always missing something. My husband drives someone 18 wheeler and the owner of the truck did a letter, submitted pictures of the checks, tax records for XXXX, XXXX. We didnt do our XXXX since all of our belongings were packed out out of house.
This was not going anywhere so I finally and asked what we could do to correct this issue thats when I was told I could pay to reinstate what is owed.
I also called HUD to advocate for us however, I always trouble getting ahold of.
|
| 07/12/2022 |
Yes |
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I recently completed a VA partial claim loan modification with Caliber Home Loans after exiting COVID forbearance. During this process Caliber adamantly refused to allow me to make payments online, which led to the generation of several of my past complaints. Caliber retained an attorney, XXXX XXXX, after one of my complaints led to a Dept. of Justice facilitated mediation regarding ADA violations I had complained about previously. This mediation ended without either parties being able to come to an agreement.
XXXX XXXX, Caliber 's attorney advised me to send any paperwork to her office, which I understood to mean payments as well. While my partial claim payment was being processed, I sent those payments to her office, this caused several delays in Caliber receiving those checks. As a term of the forbearance, Caliber did not report my account as delinquent, however now that the loan modification is done, they are now reporting my account as delinquent.
The last check I sent, dated XX/XX/22, and delivered to XXXX 's office on XX/XX/22, was not processed in a timely manner by Caliber. I also asked XXXX XXXX via email if the check had been processed and never received a reply. Per my records, the check was deposited on XX/XX/22. Caliber reported my account as 30 days past due on XX/XX/22. This error is entirely the fault of Caliber Home Loans, I delivered the check to where I was told to deliver it to, it is outside of my control if it was not applied to my account in a timely manner. As of this writing Caliber states my account is only 11 days past due. I intend to make another payment as soon as I receive confirmation from Caliber and/or their attorney that I can resume making online payments.
|
| 05/20/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I had asked Caliber Home Loans to be removed from e-statements and for them to mail me statements XX/XX/2016 because I would miss the e-statement emailed to me and accrued a late payment. They removed that late payment. Caliber Home Loans did not remove me from e-statements nor did they mail me a statement and I accrued another late payment penalty. I called again in XX/XX/XXXX requesting to be removed from e-statement and never receive a statement by mail. I called again in XX/XX/XXXX and explained how I have always paid in advance when I would receive my statement in the mail. Now this e-statement has messed up my payment history and wanted to receive statements by mail and asked to have my late fee waived.
I have asked several times for it to be removed and Caliber Home Loans never did. My account shows me contacting them several times but with no response from Caliber Home Loans. I spoke to account representative and asked to speak with a manager. The account representative said that the manager was busy and would call me back. I have never received a call back from Caliber Home Loans. I asked for them to waive my late fee and they would not. I tried to pay my mortgage payment online but Caliber Home Loans would not allow me to make the mortgage payment without paying the late fee. So I mailed them a payment. Caliber Home Loans sent me a letter stating that my payment was posted to my suspense/unapplied funds account. What is that? How being late on two payments equal to a {$310.00} fee? Where in my mortgage does it state Caliber Home Loans can defer my mortgage payment to another account? How can Caliber Home Loans send me a letter but be negligent in sending me a statement in the mail?
|
| 08/26/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
There is a motion on XX/XX/XXXX @ XXXX XXXX XXXX courthouse to reschedule foreclosure sale date based on 100 % illegal, fraudulent foreclosure.
XXXX has sold, transfer or assigned this mortgage to Caliber Home Loans XX/XX/XXXX.
1. Got out of non-jury trial XX/XX/XXXX which I knew before walking in Judge chambers I was going to lose.
2. Five Year Statute of Limitations XXXX SOL XXXX Expired XX/XX/XXXX.
3. One Hundred Per Cent ( 100 % ) Foreclosure Fraud : FORGED SIGNATURED & NOTARIZED ON ORIGINAL MORTGAGE, robo signing, testifying. Their was the biggest lying straight face robo testifier from XXXX XXXX XXXX at non jury trial, it is sad and unacceptable how all their lies, fabrication, abuse of justice system were allowed into evidence. My Forensic Examiner/Witness testimony to original mortgage & note signatures being 100 % forgery was not allowed by XXXX XXXX Court. XXXX law firm does all plaintiffs dirty work. Attached is the letter from my Forensic Examiner to this fact. 0 DUE PROCESS!!!!
4. Force placed homeowner insurance obtained at illegal price gouging rates three, four times normal amount. Obviously this bank makes huge amounts of profit on this type of insurance they claim to buy & with whom of their choosing of course.
5. I was told by attorneys at XXXX XXXX Courthouse XXXX XXXX does not ever lose a foreclosure case XXXX XXXX XXXX even with 100 % FRAUD XXXX. Our once sacred courthouses have been taken over and preyed upon by this mammoth corporation.
6. XXXX XXXX XXXX XXXX XXXX. ( yes same XXXX here XXXX is scheduled to open oral arguments XX/XX/XXXX before Florida 's Supreme Court addressing addressing the 5 year Statute of Limitations. SOL has expired on this closed case.
|
| 08/09/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I entered into a forbearance agreement with Caliber Home Loans at the beginning of Covid. I am a loan officer and worked on commission which was dramatically reduced during Covid. In XXXX of XXXX I was offered a modification plan to repay the amount that was deferred in during Covid. I faxed the agreement back in XXXX and then called the company and they verified that they had received it. I thought everything was fine, each time I called I was told that my loan file was still in Underwriting, and to continue making the agreed upon mortgage payment- which I have since XXXX. In XXXX I get a call from the mortgage company saying that the fax was not accepted, but the forms must be mailed. I mailed the forms in regular mail, call back and they said they did not get them and now my loan was in forclosure. I spoke to a supervisor XXXX in XXXX who told me that she would escaalate my file since I had made all of my payments and while I shoiuld have mailed the forms instead of faxing them, the comppany was at fault as well for not telling me that was unacceptable. She told me it could take up to 3 weeks for a decision..I called back XXXX and told that XXXX would fax the forms to me and once received the foreclosure would be reversed. I sent the forms overnight XX/XX/XXXX and it has been recieved and signed for, but today I call they say I am still in foreclosure and the package has not been received or entered into the system. Please help me make them honor their word, now everytime I call they tell me I am in foreclosure when I have not missed a payment since the agreement was signed, whether it was faxed or mailed they know that I accepted the agreement and followed up with monthly payments.
|
| 06/21/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I paid Caliber Home Loans {$100.00} for a Broker Price Opinion ( BPO ) to see if I was eligible for PMI removal from my mortgage. On Thursday XX/XX/XXXX a broker came to my house to inspect the property to complete the price opinion I ordered. When I requested a copy of the documents completed by the broker a different broker who had not been the one to inspect the property had certified that they had personally inspected the property on XX/XX/XXXX.
XX/XX/XXXX : I made a written complaint to Caliber Home Loans on XX/XX/XXXX regarding the accuracy of the BPO as well as my concern that the BPO was completed by a broker who had not actually inspected the property and certified that they had. They also listed the wrong date of the inspection further proving the inaccuracy of the document.
XX/XX/XXXX : I called Caliber Home Loans to follow up on my written complaint. They said that my complaint was not complete because I did not provide receipts and photos of improvements to the property and that I had not provided three comparable properties to dispute the outcome of the BPO. I contended that I did not need to because the document I was contesting was falsified. Caliber Home Loans said they would call me back the next day at XXXX PST.
XX/XX/XXXX: After waiting 2.5 hours after the appointed time for the call from Caliber I called them. They said that the issue was closed because I did not provide the receipts, photos and list of comparable properties despite my protest that the document in question was falsified and that should be enough to merit repeating the BPO.
My complaint is that Caliber Home Loans is using a falsified document to refuse to remove my PMI requirement for my loan.
|
| 12/25/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Caliber Home Loans gave me a courtesy call after the denied my last claim XXXX. The representative was very nice,, but had very little information regarding my case. After more than 40 minutes on the phone, she advised me that my escrow balance we incorrect because I did not make a payment in XXXX. I was also told that my escrow account was converted to a ancillary account. I went back to the office and researched my bank records, and I did find my XXXX payment which had cleared. I did call back Caliber Home loans the next day, after i was transferred to 3 different representatives and verified my billing address the same number of times, I spoke to a representative named XXXX, employee number XXXX. After 20 minutes on the phone, I was told that the XXXX payment was actually made and the previous person did not dig deep enough.
I asked XXXX that Your monthly payment for Principal and Interest ( P & I ) is {$790.00}. You made a payment on XX/XX/2016 of {$1200.00}, with {$400.00} going to escrow and you made another payment of {$1200.00} on XX/XX/2016. You later made a payment of {$1500.00} on XX/XX/2016, with {$700.00} going to escrow and another payment of {$1500.00} on XX/XX/2016, with {$700.00} also going to escrow. Therefore, you believe four ( 4 ) payments, totaling {$2200.00}, should be deducted from your escrow balance. The past due escrow of {$8500.00}, less the {$2200.00} should leave {$6300.00}.
I asked him how XXXX got their balance and he responded " That is just the way it is '' I was also told that I need to call the escrow department, that he did not have any numbers to help me, I told XXXX, that my account was switched to Ancillary and XXXX told me that is incorrect.
|
| 07/23/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Borrower : XXXX XXXX XXXXProperty Address : XXXX XXXX XXXX XXXX ; XXXX, MD XXXXLoan XXXXLender : Caliber Home LoansFormal Complaint Against Caliber Home LoansCaliber Home Loans, Inc. tax department made an error on my mortgage. They thought that Caliber had to pay a {$1900.00} tax bill twice annually.
Which made my mortgage payment ( PITI ) escrow almost {$400.00} a month more over andabove my current mortgage payment. My current mortgage payment XXXX PITI XXXX is {$620.00}. However with this tax error on the part of Caliber my mortgage payment is over {$900.00} of which, I can not afford and will not pay due to Calibers error.
However, after my complaining numerous times. The tax department finally realized that the taxes of {$1900.00} was payable only once a year not twice in one year!!!!. Caliber tax department via the tax department supervisor XXXX XXXX spoke with me twice and assured me the problem would be resolved. It has not!!! I am still being wrongfully chargedover {$900.00} for my mortgage payment that was wrongfully calculated by Caliber Home Loans. Caliber has put my loan in the Collections Department, they have sent me loss mitigation documents they say I am behind two payments. I continue to send in my correct loan amount of $ 624 monthly and not the over {$900.00} that they wrongfully calculated for the escrow due to their mistake. I have tried to no avail to have this problem resolved within Caliber and can not. I was told by a person in the tax department that theresearch department that handles these issues as a very large backlog and I had to wait my turn. I should not have to pay an excessive {$400.00} a month for escrow due to an erroron the part of Caliber.
|
| 08/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I refinanced a loan with Caliber Home Loans. They were already servicing a loan of mine for approximately 18 months. I refinanced for a lower APR. After closing I received an email on XX/XX/2021 that my loan had been funded. On XX/XX/2021, I received a notice that my payment on my loan had been received. I assumed this was the auto-pay I had previously set up successfully paying the amount due on my new loan. I did not receive any other communication from Caliber Home Loans.
On XX/XX/XXXX, I received a notice from my credit monitoring service that a derogatory mark had been made against my credit. Investigating this I found out that Caliber Loans had submitted a non-payment to the credit bureaus for a missed XXXX payment. I contacted Caliber and paid the amount due in full and re-submitted the autopay that was erased in the changing of loans. I have subsequently attempted to remedy the derogatory mark as it was merely a misunderstanding of auto pay not carrying over and poor communication on their behalf. If I had received an email notifying me that payment and not been made, or a call clearly stating that A payment had not been made, I would have been able to remedy the situation immediately.
Previous to this derogatory mark I have maintained perfect credit and have never missed a payment. This has caused my credit score to drop over 100 points and is something I firmly believe was strictly a misunderstanding and not reflective of derogatory behavior in any way.
Im reaching out to you to see if theres anything you may be able to do to help remedy the situation. Thank you very much for your consideration and hope we are able to come up with a solution.
Kind regards XXXX XXXX
|
| 01/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XX/XX/XXXX - We received an Escrow overage check dated XX/XX/XXXX from Caliber Home Loans for {$2600.00}, leaving a {$1100.00} Escrow Balance, resulting in an escrow shortage to pay XXXX taxes & insurance. Taxes & Insurance are estimated ( as shown on statement ) to be {$3500.00} for XXXX. After leaving the shortage in our escrow account by sending us the overage check, they then raised our mortgage payment by adjusting the escrow payment from {$290.00} to {$290.00} ( raising our monthly mortgage payment from {$1100.00} to {$1100.00} ), which to me seems completely unethical! Also, this raise in monthly payment will still leave our escrow account short to pay taxes & insurance. I spoke w/Caliber Loan Rep who stated they would still pay the taxes & insurance if there was a shortage, to which I replied, then you would raise our mortgage again after you do an analysis and find there was the shortage! They are basically scamming by shorting our escrow account for tax/insurance payment, and then turning around and raising our mortgage payment again!! We had enough escrow to cover taxes & insurance before they sent us the overage. This seems totally unacceptable, unethical and a total scam. They are getting more interest each time they raise our mortgage payment so I believe this is the reason they are doing this. I could understand if they sent us a check for an overage, but leaving enough in escrow to pay for taxes & insurance, not a shortage and then turn around and raise our mortgage payment due to the shortage THEY caused!! They also told me that if we put the money back into escrow, it would not bring our mortgage back down to what it was originally. This is COMPLETELY UNETHICAL!
|
| 08/30/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have a home loan with Caliber Home Loans. It is for my home in XXXX XXXX, LA. I currently live in XXXX, NC and was not able to sell my XXXX XXXX home for 11 months but then was able to rent it.
I lost my job on XXXX. I contacted Caliber on XXXX XXXX.
1. After receiving their Loan Modification package in the mail, emailed the entire package to them on on XXXX XXXX.
2. I received a request for more documentation and submitted it on XXXX XXXX.
3. I received a request for more documentation and submitted it on XXXX XXXX.
4. I received a request for more documentation and submitted it on XXXX XXXX.
5. I received a request for more documentation and submitted it on XXXX XXXX.
6. I received a request for more documentation and submitted it on XXXX XXXX.
7. I received a request for more documentation and submitted it on XXXX XXXX.
8. I received a request for more documentation and submitted it on XXXX XXXX. They have 30 days for their underwriters to review the package. This request was about 27 days into the review. Their request was for the mortgage statement for my other home.
The multiple submittals noted above have truly appeared to be a stall tactic on their part. I have also called their offices no less than 24 times, trying to get information.
The last status I obtained was on XXXX XXXX, telling me that my application had been denied. I am still unemployed and actively looking for a new job.
I would be happy to share all of the details, which I have maintained.
As a side note, the other mortgage that I have with XXXX, had the loan modification completed on XXXX XXXX. They requested two submittals in total. I had contacted them the same day I contacted Caliber.
|
| 11/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American, Servicemember |
|
In XX/XX/XXXX, I filed a dispute with all three credit bureaus to have my credit reports reflect the satisfaction of mortgage filed by the mortgage company, Caliber Home Loans, in my local county recorders office. My credit file with all three bureaus was reporting a balance owed of {$72000.00}, payment status of collection/charged off, account status of closed derogatory, and remarks stating charged off.They did change the balance owed to {$0.00} at two of the credit bureaus after the dispute, but not the other items mentioned above. I called the mortgage company on XX/XX/XXXX. I was transferred to department after department. I was finally told that I needed to speak to the loss and recovery department. I was given the loss and recovery departments email address and phone number. I called the number several times, but you only get the voicemail which is almost always full so you ca n't leave a message or the line just hangs up. I was able to leave a message once or twice. I sent an email, still no response. My daughter did, however, receive a phone call from a customer service rep who was n't able to help much. She stated that we need to speak with the loss and recovery department as well and the circumstances under which they would change the credit reporting. She only called because my daughter contacted the title company who handled the processing of the satisfaction of mortgage and they emailed someone at Caliber and gave them my daughters info. I contacted the collection agency that supposedly had my account, they refused to talk to me after they found out about the satisfaction of mortgage. The satisfaction of mortgage was filed in XX/XX/XXXX by Caliber Home Loans.
|
| 10/17/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I took out a loan in XX/XX/XXXXwith XXXX XXXX XXXX XXXX XXXX XXXX for {$310000.00} and the balance today is {$330000.00}. The loan was sold to XXXX XXXX ( XXXX ) in XX/XX/XXXX and they were showing a much lower balance. Caliber Home Loans now claims to be servicing the loan for some XXXX Master Participation Trust which is just an Agent allegedly pertaining to XXXX XXXX. They securitized my loan and did not send me a copy of the IRS filing documents as requested in the following letter to them.
CALIBER HOME LOANS XXXX XXXX XXXX MASTER PARTICIPATION TRUST ( AGENT ) XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX, ET AL Dear Sirs : We attach a copy of a Court Order and this Qualified Written Request ( QWR ) for an accounting of the loan you are alleging to be servicing on behalf of Fannie Mae. We would like a complete accounting and a copy of the cancellation of debt when the note was securitized filed with the IRS form per 26 USC ss. 108i from the Trustee, Trustee Corps for our Attorneys as stated below : This is an IRS form that servicer trustees must file who put your mortgage into a stock pool.
Please use my cusip number ( s ), to prove that I didn't sign a mortgage but an investment contract that I was made an accommodation party to but not a participant.
Did you sell these unregistered securities and are in possession of contraband.
Also there should be Cancellation Of Debt ( COD ) when the mortgage Security was converted to a stock ( 26 USC ss. 108i ) ; Did it make it into the REMIC?
Thank you and we wait your reply.
Mr. & Mrs .
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Cell : XXXX ( XXXX ) XXXX Encl./ Court Order from Federal Bankruptcy Court
|
| 01/10/2018 |
Yes |
|
|
|
Web |
|
|
I am writing to inform you that Caliber Homes Loans has refused to close on the property located at XXXX XXXX XXXX XXXX XXXX, KY XXXX. XXXX XXXX had agreed to the closing date XX/XX/XXXX, as well as signed the second amendment on XX/XX/XXXX for extend the closing date to or before XX/XX/XXXX also stating it would be {$100.00} per day until closing date. I sign form and forward it back to my realtor, XXXX XXXX. On XX/XX/XXXX I was informed by realtor XXXX XXXX that we would not be closing on the property on XX/XX/XXXX. The seller ( Caliber Homes Loans ) verbally requested to increase the sell price of the house to two days before closing date and afterward terminated the contract without giving a valid reason.On XX/XX/XXXX, I sign a contract for the property located at XXXX XXXX XXXX XXXX XXXX KY XXXX. We agreed on the listing price of {$170000.00} with the seller agreed to pay {$3500.00} towards closing cost and purchasing a limited home warranty. At that time my earnest money of {$1000.00} was given to the seller and shall have been held in the escrow account of XXXX XXXX and applied to the purchase price upon passing of deed.I was giving only 5 days to complete inspection which was performed on XX/XX/XXXX and the appraisal was completed by XX/XX/XXXX. Caliber Home Loans has refused to close on the property and has relist the property for sale as of XX/XX/XXXX, for {$180.00}. I havent signed a release of contract form. Caliber Home Loans also refused to refund my earnest money of {$100.00}. in which I also paid for the inspection and appraisal that is now a lost to me.Caliber Home Loans refused to close on the property is illegally, unethically, and discriminate.
I
|
| 07/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
This is to complain about Caliber Home Loan mortgage, I used to pay off one more payment in XXXX of the year ; they never adjusted my interests to be lower ; I beleive they over charged me intersts for the past years- I like to ask them to re-calculate my interests and refund me the differences.
Recent issue : On XX/XX/22, I called Caliber Home Loans to request a payoff.
XXXX told me verbally about a final payment amount ; I reqeusted a written letter ; 5 mintues later, I received a writter letter with {$980.00} more, immediately I called back spoke to XXXX ( XXXX ), she said she would request a phone review and called me back in 5 days ; today is day 6, no one called me. On XX/XX/22 I paid XXXX overight a check to payoff my loan per their request. Today XX/XX/22 XXXX tracking already shown CALIBER HOME LOAN has received my check ; but when I called back spoke to XXXX, she said that their system shown nothing received on their end, they held my check and did nothing about it. XXXX also said she did not see any phone review request in their system, and she did not know how to help, I requested to talk to her manager, seh said there's no manger at CALIBER HOME LOAN MORTGAGE to talk with. This bank is very suspeious, they calculated wrong my loans and interests and held my check but kept on charging me interests.
I like to reqeust for a refund me money of {$980.00} the differences between their verbal and written letter, also the years wrong calculations of my interest over charged. Also like to request comsumer agency to invetigate Caliber Home Loan Mortgage 's business and system, to enusre no other comsumer like me had this kind of wrong treatments/wrong charges.
|
| 08/31/2017 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
I applied for a refinance through Caliber Home Loans, my existing Mortgage provider, in XXXX XXXX. This originated from a cold call from them to me and I only started this process because I had considered doing a refinance to complete some home improvement projects sooner than I had planned.
Caliber has since added additional requirements and at each stage, when I have provided everything asked for, or available, a new criteria has been added.
Now they are DEMANDING that I produce a relative who does not live in my home, and provide contact information for them. When I informed them that the only one I could think of was estranged, and repeated attempts to contact him failed, I provided the information for my child 's mother.
I was told that this was unacceptable and it was required to be a relative, and since I mentioned that I have a child, I am now required to provide " all pages of documents ''. I have asked what " all pages of documents '' means and advised that if they were implying some sort of court order, that one did not exist and I could not prove the " non existence '' of something.
The response was that if I did not comply with their policies, they will not process the loan. No response to my questions has been provided.
This is after a considerable monetary investment of time away from work and out of pocket expenses for appraisals and inspections.
This is discrimination based on family status and considering that this company had no problem accepting payments for the past XXXX years, they are actively denying a loan based on criteria that has nothing to do with the ability to repay a loan.
I have the entire email thread to support this.
|
| 10/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I applied for refinancing with my current lender, Caliber Home Loans, on XX/XX/2021 and was approved on XX/XX/XXXX. XXXX XXXX was my broker and XXXX XXXX was my processor. All requested information ( credit check, pay stubs, etc. ) was submitted by me in a very timely manner. When any changes were updated, all closing disclosure documentation came back with additional fees that were not agreed upon originally. Throughout the following months, they kept asking for other updated information which was supplied. The rate lock and closing kept getting extended over the next 4 months. The last incorrect closing document that I received was on XXXX. Then they required yet another credit check. I stated several times during this process that I have been paying them each month on time for over 8 years with never a late payment and I would rather not go through the hassle of unfreezing my credit once again when it is excellent to start with due to their delays. XXXX XXXX refused to move forward, asked me if I am refusing to supply them with yet another credit check, attempted to coerce me into stating that since I am choosing not supply another credit report, that as a result I would be terminating our agreement. I find this is highly suspicious and abusive activity from my mortgage company. I can only speculate that the motive for this type of behavior was to receive higher interest rate payments from customers for as long a period of time as possible when they quite possibly had no intention on closing at all.
I have since refinanced with XXXX within XXXX weeks with nearly no effort which should discredit Caliber 's so-called concerns over my credit worthiness.
|
| 06/25/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
XXXX XXXX a loan was taken with XXXX.then went to XXXX In XXXX the loan was transferred to XXXX. In XXXX I lost my husband who was a veteran that is when I noticed my payments had not been applied. A XXXX XXXX rep stated that payable on death benefits had been applied insurance for the home no debt was owed. Then 6 months later XXXX came in play with new account numbers and new loan. I have never had a account with XXXX or ever gave consent to contract with them. XX/XX/XXXX caliber came in to play stated they foreclosed on my home. I have never had a contract with Caliber or XXXX. XXXX of XXXX XXXX XXXX enter my home changed the locks and put my items to the curb. i checked the county records and states now that XXXX XXXX XXXX XXXX XXXX is the owner of my home I have had for 12 years. I would like to the the note, contract and Power of attorney gave them the right to do this to myself and my children. They put us on the streets, I was never compensated of any of the hard work and labor we put in to our homestead. A declaration of homestead was filed in the county also also asking for XXXX I also alerted the sheriff. All these entities have harmed and hurt my daughters and I. XXXX XXXX reality have my home up for sale. They were caught 2 years ago lying and stated XXXX foreclosed and I provided proof from XXXX admitting they never foreclosed. Was this not turned into investment why was I never compensated? Caliber sent a 1099 A to the IRS that I had income of this home of XXXX. How was this income they took my home and though me to the street and XXXX daughters. What is happening in America today is unjust and stealing homes some thing needs to be done.
|
| 02/22/2017 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
CFPB -- This pertains to new management as of XXXX/XXXX/2016 at CALIBER HOME LOANS in XXXX, TX at the Consumer Direct department. These are the various issues which should be investigated : 1. Change in pay structure for Loan Consultants ( LCs ) where they are NOT paid on loans closing. The LC 's name is listed on the loan but is not compensated.
2. With the name of the LC on the loan, they are cut-off from the back end of the loan process where the LC is technically still liable for anything that might go wrong.
3. This new management would allow for a Pricing Exception ( PE ) for the new hires they brought on board and for a family-related co-worker in XXXX XXXX. However the same level of PE was not made available to other co-workers who had been with Caliber Home Loans for a longer period of time prior to the start date of new management.
4. This new management would hire on their own new contacts almost all under the age of XXXX and almost all Male ; conversely new management would disincentivize and push-out the older LCs who have been employed there for a long period of time. This is widely viewed as an act of nepotism along with age and gender discrimination.
5. ***This new management terminated a Manager in XXXX XXXX on XXXX/XXXX/2016 without sufficient justification. This manager as a result was put on Administrative leave still accepting pay for an extended period of time since there was not just cause after further review with HR.
6. ***This new management would also terminate long-standing Loan Consultants in XXXX XXXX prior to year-end 2016 who have a strong historical record of performance over a period of years at Caliber Home Loans.
|
| 10/23/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I received a letter from Caliber Home Loans ( current mortgage company ) regarding the opportunity to refinance and lower payments, get cash for home repairs, etc. We need some kitchen updates, so I called and spoke with XXXX XXXX just to inquire and see if it would be beneficial. Just wanted to see what the cost would be and get an estimate. She said she would need to do a credit check to get numbers for me. She verbally gave me a couple of options and then said she would send something in writing. Next, she sent a loan application requesting electronic approvals from me and my husband. It had incorrect numbers, including initial loan amount and other incorrect info. After looking at the figures, I decided it was n't a good time to move forward. I replied to the email she sent with the application and told her that we were not ready to move forward at this time. I 'm certain she read my email. In a couple of weeks I received a letter asking for some clarification on some items on my credit report. Since I had told her we were not moving forward, I ignored it. Then last week, I received a statement from Caliber saying that they had reviewed our application and did not approve it. Imagine my shock that XXXX XXXX had apparently sent the application through without the approval, knowledge or consent of me or my husband! Perhaps she has a quota or is compensated for processing loans. I called the company toll free number XXXX and left XXXX messages asking someone to call regarding this and left my cell number. No one ever returned my call. My biggest concern is that this will go on my credit report that I was turned down for a loan that I never applied for.
|
| 12/01/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Hi, I have been trying to get my mortgage modified since XXXX. My servicer is Caliber Home Loans. My uncle co-signed my loan when I purchased my house. I was told by XXXX XXXX, my Caliber representative to have a quit claim deed filed removing him which I did in XXXX. My uncle does n't live in the property and does n't contribute to my household. I have submitted XXXX loan modification applications. I am also working with a HUD counseling agency. The very last modification that was submitted she thought we had worked out this issue regarding my uncle and the quit claim deed. They continually ask for either his financial information or the quit claim deed. I have submitted the quit claim deed numerous times. When my counselor called Caliber and spoke to their representative XXXX ID XXXX she explained the whole situation. XXXX stated that they could n't see the transfer of title. They each pulled up a copy of the deed and the counselor showed the Caliber representative exactly where the transfer was. XXXX stated she understood and could see it and would show underwriting and have the file escalated. XXXX advised the counselor to call her back in a few days ( XXXX XXXX ) When my counselor called XXXX back a couple days later for a resolution XXXX did n't pick up the phone so the counselor left a message. XXXX never called her back so the counselor called again and was told the file was denied because they never received the quit claim deed or my uncle 's financial information. This is very frustrating as I feel as if this is being done on purpose. I have submitted the complete package to them again today with a letter explaining the deed transfer.
|
| 01/03/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Caliber Home Loans is using faulty information in the servicing of this mortgage loan Caliber Home Loans has failed to deliver required foreclosure protections.
Caliber Home Loans has engaged in the prohibited practice of dual tracking while having received timely all the required documents and financial information from the borrower.
The CFPB issued amendments on XX/XX/2014, The rule issued establishes new protections for consumers, including requiring servicers to notify borrowers when loss mitigation applications are complete : Whether a borrower is entitled to key foreclosure protections depends in part on the date a borrower completes a loss mitigation application. If consumers do not know the status of their application, they can not know the status of those foreclosure protections.
The final rule requires servicers to notify borrowers promptly and in writing that the application is complete so that borrowers know the status of the application and have more information about their protections. The CFPBs new rule clarifies that, if a servicer has already made the first foreclosure notice or filing and receives a timely complete application, servicers and their foreclosure counsel must not move for a foreclosure judgment or order of sale, or conduct a foreclosure sale, even if a third party conducts the sale proceedings, unless the borrowers loss mitigation application is properly denied, withdrawn, or the borrower fails to perform on a loss mitigation agreement.
Caliber Home Loans failed to respond to a Notice of Error and request for information.
Caliber Home Loans has failed to properly acknowledge and investigate my complaint
|
| 12/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Application denials
|
|
Web |
|
|
My first complaint though XXXX and CF was as following Caliber has denied my PMI removal several times. My home valuation is {$520000.00} plus and I only owe {$310000.00} on the loan. I have sent in the XXXX check and form that states the updates/costs I have done to the home. It has been a drawn out response followed by a refund of the check and then denial of the request. The customer service since being bought out by XXXX XXXX has been awful. I dont believe it is the employees fault but that they are tied down by an awful automated system and slimy company tactics. My latest call was today XX/XX/23 and employee XXXX. Was not helpful in the least and it is frustrating in this day and age to not get something sorted out other than snail mail and poor communication prior to denial of the requests. I will never finance again through this company and can not recommend enough you do the same So a couple weeks later and multiple reps on the phone with caliber we finally did get to the point where a representative basically did admit they had done the process of the removal wrong and that an appraisal shouldve been ordered. Im sure they have audio recordings of this conversation. So they took my additional fee for the XXXX removal which increased 30 % since XXXX when I started this process. They said an appraisal would be ordered within 10 days. Guess what happened? They switched my loan servicer to XXXX XXXX and did not order the appraisal, they did not refund me, and they did not contact me about the XXXX. I can not believe this is still happening. I have never made a complaint formally about a company in my lifetime until dealing with XXXX.
|
| 02/16/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
On XX/XX/XXXX, I sent a request for mortgage assistance to my mortgage servicer, Caliber Home Loans , Inc.. They received my request but told me that my request was incomplete and requested I send the more paystubs and bank statements. I promptly sent the requested documentation. A short time later I called Caliber and they informed me that my request was complete and I was being reviewed for a modification. Next, I received a Notice from Caliber 's attorney that they were foreclosing the mortgage and auctioning my house off. I repackaged my modification request and resubmitted everything to Caliber on or about XX/XX/XXXX. Caliber requested additional documentation in the form of bank statements and paystubs which I prompty sent to them. They acknowledged they had a complete package for loss mititgation review and postponed the forclosure scheduled for XX/XX/XXXX to XX/XX/XXXX. At the end of XX/XX/XXXX, I once again called toncheck on the status of my request and was told by Caliber that my request was not complete and that they were moving forward with the foreclosure in complete contradiction to what they had told me in XX/XX/XXXX when they agreed that my package was complete and postponed the foreclosure sale.
I believe that Caliber Home Loans, Inc. does this type of " bait and swkitch '' tactic routinely to its mortgage servcing customers and they should be punished for this type of dispicable behavior. I am certain that my case is not an isolated incident and I hope that the Consumer Financial Protection Bureau will throroughly investigate my complaint so that Caliber will cease doing this to me and others affected similarly.
|
| 07/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
Servicemember |
|
On XX/XX/2017, I paid on my XX/XX/XXXX payment.
The payment was made on the phone and through automation, which has and keep my payment information. The payment was made on the XXXX and there is an audit log from XXXX XXXX that also verifies that I paid on the XXXX.
Caliber homes the mortgage company was closed on XX/XX/XXXX and there was no prior notification of this fact. I called in twice and in order to pay I made it through the automation in which I have done since having the loan for 3 + Years without a late.
After paying I also did not receive a confirmation via email that is done and also as proof of payment.
Caliber home was closed until XXXX the XXXX, or XXXX. They then processed my payment.
They reported my payment 30 days late although I paid and have proof from XXXX XXXX, and also letters from them stating I paid on the XXXX, however, they continue to report me to the credit reporting agencies as late even after admitting they have knowledge that I paid on the XX/XX/XXXX ( please see attached documents ). I also demonstrated that I also had funds in the account.
I am seeking relief from the CFPB to help resolve this issue as it is not a correct reporting. There are logs that show that I made the payment on the XXXX, the law does not stipulate it is when a company decides or available to process. As part of the fair credit reporting this is against the law and I am being treated unfairly and have taken a severe credit hit due to this issue that should have been resolved.
I have disputed with the company multiple times and at the highest level and have been treated rudely and disrespectful in the process.
|
| 10/23/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
Caliber Home Loans, Inc. ( " Caliber ' ) is the mortgage servicer on our home ; which is held by XXXX XXXX XXXX ( " XXXX '' ). XXXX acquired the mortgage from XXXX at a discount after XXXX came under investigations by the CFPB and other agencies for violations of consumer protection laws, and XXXX paid hundreds of millions of dollars in fines for its mortgage servicing issues.
Since Caliber has become the servicer, Caliber has engaged in even more violations of law than XXXX. Some specific examples include CalibXXXX 's reporting to the XXXX credit bureaus inaccurate data nearly every month for the last XXXX years, and failing to correct Caliber 's errors. This is a violation of the Fair Credit Reporting Act ( " FCRA '' ). Despite having informed Caliber that we have an attorney in this matter ; Caliber still makes repeated calls to our home, and sends us letters, instead of communicating to our attorney. This is a violation of the Fair Debt Collection Practices Act ( " FDCPA '' ) .. Every monthly statement that we have received from Caliber is wrong, incorrect, makes demands to things not in the mortgage agreement, etc. all of which violates the Truth in Lending Act ( " TILA '' ). Instead of responding to the modification of the mortgage in the time required under law, Caliber took XXXX MONTHS ; which violates RESPA and other laws. Caliber has not been able to provide the correct amount owed on the mortgage.
Finally, all of the above violations of Federal laws, also are violations of Indiana laws. The amount of civil penalties from all of the above violations, plus legal fees, is greater than any amounts alleged to be owed..
|
| 12/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/2021, my insurance agent contacted me explaining that Caliber Home Loans did not pay my insurance company and that my coverage would be canceled. This same agent also contacted Caliber requesting that payment be sent over night. Caliber confirmed that they would send payment and the total was deducted from my account, Im the amount of {$1900.00}.
On XX/XX/XXXX, the agent contacted me again explaining that the insurance company never received payment. She asked that they send another check overnight ( canceling the first ). However, because they did not send the first check, she encouraged me to pay to ensure that I did not lose coverage. I would need to pay the insurance amount out of pocket plus an additional 3 % to process the payment.
I attempted to contact Caliber Home Loans using their customer service phone number to understand why payment had not been made.
It took two hours of waiting, being disconnected after waiting, and being transferred. The custom service agent could not provide a tracking number for the check.
I asked to speak with a manger to escalate this issue since it had been unresolved for weeks. She spoke to the manager and said she would transfer me. I was only transferred to the managers voicemail. Her name was XXXX XXXX. I left all of my contact information, and while the she was expecting my call, she did not call me back.
When I checked my account online, I surprised to see that the money had been taken out of my escrow account to pay the insurance.
At this point, my only option to maintain coverage was make a payments ( XX/XX/XXXX ), and an additional 3 % processing service fee.
|
| 06/05/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
I have a XXXX year mortgage with a great interest rate from Caliber Home Loans that I obtained in XXXX. I have paid the mortgage consistently since I received it. My payment was approximately {$1700.00}. I typically paid that amount. In XXXX XXXX, I paid {$1800.00}. On about XXXX XXXX, XXXX, Caliber Home Loan sent me a statement alleging that I had a negative escrow balance. The new statement would increase my monthly payments by {$600.00} effective XXXX XXXX, XXXX. This would increase my payment from to {$1700.00} to {$2400.00}. I paid {$1800.00} on XXXX XXXX an additional {$600.00} payment in late XXXX. My mortgage payment includes taxes and insurance. In XXXX, I paid {$2400.00} for this new mortgage payment. I understand that taxes and insurance increase. However, my taxes and insurance only increased by less than {$20.00} in XXXX. I reached out a non-profit for helping home owners. They called Caliber and no one could explain how the new figure was calculated. Caliber corrected the month statement back to close to the original payment. The new payment I was told to pay was {$1800.00}. I paid and continued to pay this new amount. In XXXX XXXX, Caliber sent a new statement alleging that the escrow account had a negative balance and that effective XXXX XXXX, XXXX, my monthly payment would increase by {$500.00}. Again, I checked my taxes and insurance and my insurance increased by {$14.00}. Caliber has not explained to me why I have a negative escrow balance of {$4900.00}, when I have never missed a payment and my payment includes my taxes and insurance. I want Caliber to stop attempting to extort money out of an XXXX person.
|
| 04/01/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I contacted Caliber Home Loans on several different dates as noted herein : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX There was an error in the calculation of my final loan balance with Caliber Home Loans. Although I called them several times, they did not relate to what I was stating as the balance on this loan. Caliber Home Loans actually owed me money as the mortgage loan was closed when I sold this property on XX/XX/XXXX. Caliber Home Loans charged me additional interest on this loan instead of pro-rating the balance due back to me for the month of XX/XX/XXXX.
I made the XXXX mortgage payment to Caliber Home Loans on XX/XX/XXXX as evidenced in the attachments in the amount of {$1200.00}, check # XXXX. This was the total payment due for the month of XX/XX/XXXX which included principle, interest and property taxes. On the attached 'Payoff Quote '' from Caliber Home Loans, they continued to charge me interest on this loan even though I had paid the XXXX mortgage payment, and no interest was due on this loan until XX/XX/XXXX. I no longer owned this property as of XX/XX/XXXX.
Caliber Home Loans erroneously charged me additional interest in closing this loan on XX/XX/XXXX, in the amount of {$310.00} even though I had paid the interest, principal and property tax for the property in full for the month of XXXX. Therefore, Caliber Home Loans owes me the additional interest they charged me on this loan in the close process XXXX sale of the property ). They also owe me a prorated amount of money for the remaining days in XX/XX/XXXX for which I no longer owned the property, but had paid the XX/XX/XXXX mortgage payment in full.
|
| 07/12/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
We have been in Loan Modification mode with this " Company '' for six + years, paying " interest only '' modifications that must be re-approved every two or three years, or the mortgage will convert to a " Post Modification '' rate of 6.99 %.
Our goal has been to secure a fixed modified rate, based on current conditions, for the life of the loan, and think that six + years is long enough to evaluate a client.
The last offer from this " Company '' as of this month ( XXXX XXXX ) was for another " Short Term Interest Only Modification '' for five years@4.375 % which, again, converts to 6.99 % after the five year term.
We are tired of having to go through Loan Modification XXXX XXXX with this " Company '' and are complaining about how we have been treated over these past years.
We purchased this house with a Conventional mortgage, not wanting to get involved with the then XXXX/XXXX stuff going on in the government. Unfortunately, all the programs available for permanent modifications to one 's mortgage due to the " underwarter '' situation created in XX/XX/XXXX-XX/XX/XXXX, are only available to the ones that have XXXX/XXXX loans, that of course our taxes pay for [ the programs ] and we do n't have access to.
We think a fair offer, considering all we have been through with this " Company '', and considering the market that the housing " bubble '' caused, and considering our Conventional Loan mortgage, would be at least a two to five year interest only modification at 4.375 % converting to 4.375 % Principle/Int/Tax/Ins Loan for the life of the loan. Consideration would be nice ... .I guess there 's foreclosure
|
| 02/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have a current mortgage with Caliber Home Loans for a property ( see attached documents for details - Account Number XXXX ) that was purchased for {$190000.00} and mortgaged original loan amount of {$160000.00}. I been making all my payment on time with additional principle each month. As of today, my principal balance of {$140000.00} has reached 77 % percent of the original value of my home and Caliber refuses to remove the monthly mortgage insurance charged to me. I have contacted Caliber customer service and they advised me that my principal balance must reach 70 % percent of the original value of my home in order to remove the monthly mortgage insurance, which is not what federal laws require. I asked them " how come that is not reflected in my closing documents or any disclosure to me ''??? as I was never advised of this 70 % requirement, however, Caliber Home Loans couldn't give me a proper answer. See attached mortgage insurance clause that I have in my signed closing document, which doesn't reflect any of this 70 % requirement they mentioned. Furthermore, federal guidelines require mortgage insurance to automatically drop/remove the mortgage insurance when principal balance reaches 78 % of the original home value/purchase price and account in good standing. Caliber Home Loans want to continue charging me monthly mortgage insurance while my account meets federal requirements to remove my monthly mortgage insurance since I have reached 77 % principal balance, ( {$140000.00} ) to my original value of my home ( {$190000.00} ), plus my account has been in excellent standing and never late. See attached documents.
|
| 01/21/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
I am having ongoing economic problems that have caused me to fall behind on making my mortgage payments. I have been having problems communicating with my mortgage servicer, Caliber Home Loans. They have placed, and continue to place debt collection calls to my personal cell phone and leave voicemails, primarily from their XXXX ( Single Point of Contact ) collection department.
I am a XXXX veteran, and have a XXXX that impacts my ability to communicate on the phone. Both myself and a technician from the VA XXXX XXXX XXXX, XXXX XXXX, have communicated this to XXXX, both verbally and in writing on multiple occasions, and asked that they suspend calls to my phone and communicate via writing. I have previously filed CFPB complaints against XXXX for this reason, but this is an ongoing issue, and despite XXXX acknowledging those requests and saying they will comply, they continue to place harassing and unwanted calls to my personal phone.
The previous complaints I have filed were XXXX, submitted on XX/XX/2020, and XXXX, submitted on XX/XX/2020. In their responses to both of those complaints, XXXX acknowledged receipt of the request to stop calling me, and provided an email address to correspond with. However, despite promising to stop calling me, they continue to do so. I am becoming increasingly frustrated with them at this point, this is a continuing pattern of harassment, and a deliberate violation of the Fair Debt Collection Practices Act. I have made it very clear to XXXX that I do not wish to contacted by phone and I will continue to exercise all available options to me to ensure that they respect my legal rights.
|
| 02/03/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
As a result of Covid-19 I was directly impacted and I experienced a financial hardship. I started the Forbearance in XX/XX/XXXX but have been able to make some payments to keep my account no greater than 3 months deliquent. My complaint speaks to the dramtic payment increase offerred on a loan modification for {$310.00} for the next 365 months. 1. The first repayment option I received was a loan modification of {$1400.00} for 360 months in XX/XX/XXXX. A {$310.00} monthly increase for the next 30 years. At this time in XXXX my delinquent amount was {$5600.00} as shown on the XXXX statement. Meaning Caliber Loans would receive a sum of {$110000.00} over the next 365 months with the new loan modification terms. I called Caliber and declined the loan modification because I could not afford it and it was unreasonable terms. 2. Later in XX/XX/XXXX I received a letter stating I was ineligible for the loan modification. 3. In XXXX I received a Loss Mitigation application, my forbearance was effective until XX/XX/XXXX so I declined. 4. Lastly, during this time I have consistently made payment every month since XXXX and attempting to make additional payments whenever possible. 5. My Mortgage was increased to {$1400.00} effective XX/XX/XXXX although I am still on the Forbearance until XX/XX/XXXX and I have not signed any agreement of loan modification nor loss mitigation. I would really appreciate if you can resolve the intent of Caliber Loans. Should you find ill intent, I honestly do not feel I am the only veteran being taken advantage of. I look forward to hearing from you I have documentation to provide proof of my claims
|
| 03/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American, Servicemember |
|
Have had issues with Caliber Home Loans from the beginning ( XX/XX/XXXX ). When a representative is finally contacted, customers are sent to different " departments '' or need to get answers from " another department ''. I contacted the company about removing PMI, as the loan to value ratio was at 75 %. I paid the {$100.00} BPO fee. after several weeks, I received a letter stating they could not access my property. The property address is XXXX XXXX XXXX, and it is just that. An island accessible only by boat, from a private citizen. I fully explained this to the company multiple times prior to this. The company then wanted me to go to a third party website for XXXX, a company that does remote appraisals/evaluations. After several unsuccessful attempts to do that, I again contacted Caliber, and asked the representative to email me specific instructions for the process, and was told they don't email. Yet I get emails from Caliber regularly wanting me to refinance. This process has been going on since XX/XX/XXXX. I've spoken to no less than 6 people about this, including supervisors, who have promised to get answers and get back to me. No call has ever been returned from this company. Out of sheer frustration and disgust, I refinanced the property with another company. I have still not received the refund of the BPO fee. The company has notified me in writing, as well as several times on the phone, that they will refund the BPO fee, yet nobody can figure out " where it is '' to refund it. I'm tired of the 6 month runaround over {$100.00}. The company refuses to take any action, I hope this agency can help. Thank You
|
| 08/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Received letter from Caliber dated XX/XX/22 stating I had insufficient flood insurance coverage on my mortgage and that I needed to buy additional, or Caliber would buy it and charge me. I called XX/XX/22, spoke to XXXX, explained the situation. She stated she put a note in my file and to disregard the letter.
Received letter from Caliber dated XX/XX/22 stating second notice same as above. I called XX/XX/22, spoke to XXXX, explained the situation, she agreed with XXXX, said the note must have been in process when the second letter was issued, that the letters should stop and disregard.
Received letter from Caliber dated XX/XX/22 stating Caliber had purchased {$140000.00} additional flood insurance coverage and would be adding this to my escrow. Called XX/XX/22 spoke to XXXX. She stated additional flood coverage was needed to bring the value up to the same amount as the home owner 's coverage policy. At this point, I realize home owner 's coverage is overstated. Call my insurance agent and ask them to reduce home value on policy. After inaction from insurance agent, report them to Florida Department of XXXX XXXX and finally get results four months later.
On XX/XX/22, uploaded revised policy to XXXX for Caliber. Caliber reviewed and said no further action necessary. They did not remove the additional coverage. When I try to contact them now it is just an endless loop of automated menu choices, non of which is to speak with a live agent. I then called the main Customer Service number and ask if they can transfer me to a live agent in their insurance department, and every time it goes to the automated loop again.
|
| 12/10/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
Caliber Home Loans holds my mortgage. In XXXX 2015, they overpaid my state and local property taxes, resulting in an account deficit, and have for months refused to issue the appropriate refund. Due to Caliber 's error I have lost accrued interest and now my escrow amount due was recently increased to my detriment and through no fault of my own. See this e-mail thread for a summary of the problem : Thanks, XXXX. I greatly appreciate your time. Please find a full accounting attached. Please note, that I pay taxes on the unit and the parking space separately, hence the XXXX line items. Respectfully, XXXX and the involved Caliber folks are mistaken. Please escalate this as you see fit.
At closing, the following payments were made ( see attached HUD-1 ) : Closing - {$1700.00} of {$2500.00} annual tax assessment ( {$1200.00} due XXXX XXXX and {$1200.00} due XXXX XXXX ) Closing - {$190.00} of {$330.00} annual tax assessment ( {$160.00} due XXXX XXXX and {$160.00} due XXXX XXXX ) After closing, in total, I owed the county {$780.00} ( {$2500.00} - {$1700.00} ) and {$140.00} ( {$330.00} - {$190.00} ).
Please note, that had I not paid taxes at settlement, Caliber 's payments would have been proper. Unfortunately, Caliber overpaid as follows ( see attached Caliber Escrow Report ).
XXXX - {$1200.00} XXXX - {$160.00} Therefore, exclusive of lost earned interest, I am owed a refund of : {$480.00} ( {$1200.00} - {$780.00} ) and {$21.00} ( {$160.00} - {$140.00} ) Moreover, according to the online Caliber portal, Caliber intends to distribute even more funds in XXXX ( see attached Caliber Escrow Report ).
Thanks XXXX, XXXX
|
| 06/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
XX/XX/2021 To : CFPB/Dept. of Business Oversight From : XXXX XXXX RE : Caliber Home loans loan # XXXX CFPB, I woke up today to my credit monitoring indicating my score dropped 51 points due to my mortgage servicer Caliber transferring my loan and upon transfer showing I am 120 days late. I have been under forbearance with Caliber and all recorded phone calls have verified my credit report would not be impacted. They lie yet again. Documents dated XX/XX/2021 show my trial payment plan in which I have made all payments ON TIME. They decided in the middle of the trial plan to TRANSFER MY SERVICING TO XXXX XXXX- HOW THIS IS LEGAL IS BEYOND ME AS NOW THAT IS ENTIRELY IMPACTED AS WELL. XXXX XXXX DOES NOT HAVE THE CORRECT DATA TO MY LOAN.
Payments were made to Caliber for XXXX and XXXX. They transferred my loan on XX/XX/XXXX and the last XXXX payment was made to XXXX XXXX.
All three credit bureaus report now as of XX/XX/2021 that my mortgage is 120 days past due. How is this legal and acceptable based on being impacted by Covid when I have made payments on time and can easily prove that? Why do they get away with this? I was just going to try and refinance in a few months and now this will delay or not allow me as a consumer to get a refinance to lower rate.
I have done all that Caliber has asked, made my payments on time, suffer through their transfer now and its continuing to hurt me as the consumer. I am blessed my wife is both a lender and has her law degree as we find its no use to even call them to rectify, we have to report this to the CFPB to get corrected on ALL THREE BUREAUS.
Please help us, XXXX XXXX
|
| 05/31/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Dear CFPB : My first compliant CFPB Number : XXXX filed in XXXX XXXX I explained and laid the ground for a fraudulent mortgage foreclosure against me and my wife by Caliber Home Loans and it 's alleged trustee, XXXX Master Participation Trust. Caliber Home Loans in their response to my original compliant said they conducted an internal investigation by the XXXX XXXX XXXX XXXX of our allegations of fraudulent assignments. They said once the investigation completed they would send us the results of their findings. The last we heard was that they found no merit in our allegations and the investigation was closed on XXXX XXXX, XXXX. As of this new filing we have never received the results either by U.S.P.S. or electronically.
XXXX filed a Motion for Summary for Judgement in XXXX of XXXX. We filed our Objection/Opposition to their MSJ on XXXX XXXX with a affidavit from a Certified Fraud Examiner and incontrovertible evidence of forgery on XXXX or XXXX assignments of our mortgage. The judge on this case ruled and ordered in favor of the plaintiff for their Motion for Summary Judgement on XXXX XXXX, XXXX. He also granted the plaintiff 's In Rem action which essentially eliminates any constitutional rights or due process as citizens of Pennsylvania and the United States to present our evidence in a court of law. The judge granted the foreclosure and sale of our home by sheriff sale in 30 days. The judge issued a XXXX Order with no opinion, no finding of facts and no conclusions of law. I 'm sending to CFPB a copy of our Objection/Opposition to the plaintiff 's Motion for Summary Judgement and the judge 's XXXX order.
|
| 05/03/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
My financial hardship began on XX/XX/XXXX when I first fell past due with my payments on my mortgage thru Caliber home loans. Prior to falling past due with my payments I had contact Caliber home Loans and advised them of my situation, they had advised me that they could not help because I was current and that I needed to fall past due to get help, I let them know I was no longer able to afford the mortgage due to only XXXX income so I would need to default XXXX way. I had applied for help 7 times only to be denied over and over again. I finally received help on XXXX XXXX where I was approved for a trial plan, the plan trial was set for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with payments of {$530.00} which I made a 3 payment on time and was looking forward tot he final documents to get this nightmare behind me. I waited for 5 months calling them almost daily requesting the final documents but I never received them, I then later called Caliber and they advised me the loan was denied on XXXX/XXXX/XXXX for failing to sign the final documents.
I argued with Caliber to resend them but they refused and have scheduled a foreclosure date for XXXX/XXXX/XXXX. Caliber had advised me that the only option was to reapply, I received the documents on XXXX/XXXX/XXXX to reapply which I filled out and sent it back on XXXX/XXXX/XXXX, I have been calling daily but they say they have not received it. My divorce was finalized on XXXX and I gained full custody of my son it 's hard already not having his mother in the home but to lose our home too it 's not fair for him. Please help me in saving my piece of the American dream, my home.
|
| 05/01/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American |
|
Previously submitted here as XXXX. YOU SENT LETTERS TO Caliber and they said they'd fix, but worse now!
In mid XX/XX/XXXX Caliber awarded me a 90 day deferrment on my mortgage payment when I called them as knew I'd be late on XX/XX/XXXX payment. They said this would prevent negative remark of late payment on my credit. Within the 90 days I had my mortgage current. Caliber also sold /transferred my mortgage to their sister company XXXX and have been current since. Caliber was who advised me to apply for the deferrment so my late payment would NOT be reflected on my credit. I AM STILL GETTING CORRESPONDENCE FROM CALIBER THREATENING FORCLOSURE AS BEFORE WHEN I SUBMITTED COMPLAINT REFERENCED ABOVE AND NOW I SEE THEY HAVE REPORTED A LATE MORTGAGE PAYMENT ON MY CREDIT REPORT!!!!! I AM CURRENT ON MY MORTGAGE WHICH IS NOW THRU XXXX.
XXXX ) : I want this threatening correspondence about forclosure to stop. When I call Caliber it says they no longer own my mortgage and automatically transfers me to XXXX. XXXX says I have to talk to Caliber as I am current with payments. Have sent Caliber cease and desist letter ... .they persist! I have spent hours on hold calling them without resolution.
XXXX ) : I want the late mortgage payment removed from my credit report on all credit bureaus and a letter in writing stating this. Caliber said the forbearance would preclude any negetive credit reporting.
My mortgage is current. I am continuing to live in and pay for my home and plan to keep living here and owning my home. This needs to stop. It's causing undue stress and has been ongoing since XXXX or XXXXEnough already.
|
| 05/16/2022 |
No |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
We have a home loan with Caliber home loans. There are multiple issues that we have had with them.
Since at least XXXX XXXX XXXX, we have been trying to fo through the process of refinancing our house. During covid ( XXXX ) we ended up having to go on a forbearance for just a couple months ( even made small payments ). We signed the paperwork and sent it back, was told everything was done and granted. Well, then in XXXX we wanted to refinance. Caliber kept telling us that our account hasn't been updated to reflect anything. We kept getting the same response every week ( " we are working on it and should be updated next week. " ). To this day, XXXX, XXXX, XXXX, our account is still messed up and not updated!!! The whole reason we are refinancing is because we can not afford our payments ( that got raised right after we signed papaerwork ) paperwork. Since they have stalled on everything, we lost the opportunity for a good rate, and now our refinance ( because we do not want to be associated with Caliber any longer due to no help at all from them ), we are in hold because they haven't updated our account with our forbearance. It has been a YEAR since that forbearance!!! Why is this not taken care of like we were told??? How are they able to get away with stuff like this??? No one wants to talk to us about anything. We get transferred, told the same things over and over, and NOTHING IS GETTING DONE. They are the worst mortgage company I have ever dealt with. And I worked with a foreclosure company! What can we do to get the to stop screwing us?!?! Like I said... we have been dealing with this for a year!
|
| 01/17/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
XXXX XXXX has tried getting a loan modification review completed with XXXX XXXX help for almost a year near. I 've been assisting her since the beginning and been using the Caliber email to submit all docs. In XX/XX/XXXX, they requested 30 days updated paystubs. XXXX XXXX sent those thru email on XX/XX/XXXX. Then they said the file was " complete. '' Then they said that they needed another bank statement for XX/XX/XXXX-XX/XX/XXXX. We also provided that thru email XX/XX/XXXX. Then they said they needed clarification on paystub, and we provided it XX/XX/XXXX. Then I asked for status update on XX/XX/XXXX and did n't hear back. I emailed them again on XX/XX/XXXX about this. And then again on XX/XX/XXXX. Then on XX/XX/XXXX I called them again and heard that the only thing they need is the letter of explanation she wrote just needs a signature ( which it had her name just left out a signature ), and then it will go to underwriting. I sent this over XX/XX/XXXX because I was out sick and out of office on Monday/Tuesday XX/XX/XXXX and XX/XX/XXXX. That means I only had ONE business day to get this in before they closed file since they told me that they closed it on XX/XX/XXXX! I 've been communicating with Caliber since the beginning and was NEVER told that the file was going to close if we did n't get it in by XX/XX/XXXX?? I actually have never been told ANY deadlines since the beginning of working with them. I am escalating for this reason.
FYI : I have also many times tried to get status updates, but instead wait on hold for 30 minutes, and hang up because I ca n't get thru. It 's been very frustrating.
|
| 12/16/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
XX/XX/18 - Contacted by XXXX XXXX XXXX at Caliber Home Loans regarding applying for a USDA mortgage. He assured me that his firm was familiar with the bankruptcy/foreclosure exceptions and exemptions for USDA loans involving regular or manual processing with or without GUS.
The property in question was not reaffirmed in the Chapter XXXX.
XX/XX/18 - XXXX XXXX reported that my mortgage application was denied due to the foreclosure. He stated, " USDA is a hard no until your foreclosure is 3 years old '' ( XXXX XXXX Mon, XX/XX/XXXX, XXXX XXXX ) and " I dont think you get It! I had USDA underwriting look at it and they dont feel your reason for the hardships are sufficient enough reason for foreclosure '' ( XXXX XXXX XX/XX/2018 ). The foreclosure is an irrelevant issue as stated below in the USDA guidelines. Further, XXXX XXXX has ignored my requests to receive further explanations from the party ( ies ) that made the erroneous decision. My bankruptcy was caused by unemployment ( layoff ) followed by underemployment, plus the three-year window has already passed for the Chapter XXXX. Again, the denial for foreclosure was an error by Caliber.
USDA Guidelines - " When a Chapter XXXX bankruptcy absolved the mortgage debt for the applicant, any foreclosure or remaining foreclosure pending is an action against the property, not the applicant. The foreclosure action is not considered as an indicator of unacceptable credit in the applicants evaluation. A loan underwritten with the assistance of GUS will not be required to be manually down-graded when the bankruptcy discharge included the mortgage debt. ''
|
| 02/19/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
This is a follow-up complaint for complaint # XXXX. My original complaint was about my mortgage company sending XXXX checks to my homeowners insurance company, but for some reason they had to put stop payments on XXXX checks because my insurance company didnt get the checks. They never explained to me why my insurance company didnt get the checks. A check was finally reached my insurance company in XXXX. On or about XX/XX/XXXX I received a refund check from XXXX XXXX, and I called my my mortgage company and asked them what I should do with the check. I was told to deposit the check in my bank account and then go online and make a payment to the escrow account. On or about XX/XX/XXXX, I received another refund check from XXXX XXXX, and I called my mortgage company and asked them if I should deposit the check or mail it back to them, and I was told to the same thingdeposit the account into my bank account and make a deposit to my escrow account, which I did. The next day, I checked my account and saw that it was in the negative for the same amount of the check that I deposited. I called my insurance company and asked if they put a stop payment on the check, and I was informed that my mortgage company put a stop payment on the check. I then called my mortgage company and asked them to send a check to get my account out of the negative. I was told that werent going to send me a check to get my account out of the negative. So now my bank account is in the negative for a large amount of money and I have bills that I just paid, and they will all bounce and cause my account to be even more in the negative.
|
| 12/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I had a home loan with Caliber Home Loans with a closing date of XX/XX/XXXX.
In XXXX, I checked the refinancing rates for my loan and received a few competitive offers.
At the same time, I received an email from Caliber Home Loans on XX/XX/XXXX, with the subject " Staying with Caliber XXXX be the smartest move you make all year '' and with the text " will meet or beat any competitors offer. If we cant, well give you a {$500.00} gift card '', 10-10.pdf attached.
I called Caliber and talked with an XXXX Loan Consultant XXXX XXXX on XX/XX/XXXX. I asked to beat the best competitive offer following the above email. XXXX asked me to send him a copy of the competitive offer I received. Following his request, I sent him a competitive offer with a loan estimation from XXXX XXXX XXXX XXXX XXXX XXXX, 10-11.pdf and LoanEstimate.pdf attached. However, I did not receive any emails from XXXX in response to my email.
I send him a reminder with a request to respond by email on XX/XX/XXXX, 10-12.pdf attached.
I called XXXX XXXX a few times between XX/XX/XXXX and XX/XX/XXXX and he said he needed to talk to his XXXX. Finally, he said that he could not provide a competitive offer and I should receive a {$500.00} gift card, but he could not explain how I could receive it.
I called Caliber Home Loans on XX/XX/XXXX and asked if they could pay the promotion with {$500.00} gift card? They said I would receive the {$500.00} gift card. I asked for an email confirmation. I did not receive any email confirmation since then.
In XX/XX/XXXX I closed my loan with Caliber Home Loans and refinanced with the competitive offer.
|
| 05/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have been trying unsuccessfully for the last three plus months to get my PMI removed from my mortgage payment. In order to do so my home would need to be worth at least {$450000.00}. I've had XXXX different appraisals in the last month or XXXX which have come in close to or over XXXX dollars, so the equity is definitely there to get me below 78 % loan to value. I have spent over 12 hours on the phone with Caliber Home loans and call after call after call I keep getting a different story. At first it was they needed to send me a letter to sign and then me send them a check for the appraisal, this took 2 weeks we did it. Then they cashed my check and failed to order my appraisal for some reason. After countless calls and hours on the phone they tell me they need a list of upgrades which I provide to them three different times still no appraisal is ordered. Finally months later they order a broker price opinion she comes out appraises the home again well over the needed value and now Weeks later they are telling me they see an appraisal has been ordered as of yesterday. No two people have any idea what is going on with this process. To make matters worse they told me I qualified for a free appraisal and should have never been charged in the first place. I am at my Wit 's end and no longer have the strength or capability to proceed fighting with them. At the end of the day each month they delay cost me money not them so they do not care to help in any efficient manner whatsoever. It should not take more than 30 days to remove PMI yet here I am going on the fourth month trying to get this done.
|
| 02/17/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I believe Georgia law has not been followed concerning a Foreclosure. I believe I am going to be victim of a Wrongful Foreclose as of XXXX/XXXX/XXXX. I dispute the lender Calibur Homes sending a current notice that specify the default, action required to cure the default, 30 days notice to cure the default and that failure to cure may result in acceleration of the sums secured by the Security Deed. The notice shall further inform me of the right to reinstate after acceleration. Caliber Home Mortgage attorney provided me today XXXX/XXXX/XXXX with a letter from XXXX/XXXX/XXXX when the loan was with Vericrest stating an amount to be paid of {$3900.00} to be paid by $ XXXX/XXXX/XXXX to cure the default may result in acceleration. A chapter XXXX was filed as they had ignored the attempts at modification that had started with XXXX, then sold to Vericrest and I had to start the modification process over again and then sold to Caliber over a one year period. Caliber ignored my attempts and cont. to harass me by stating they did not have correct documentation, which was not true, and started the acceleration process, unless I could bring the loan current. I converted to a chapter XXXX and was discharged in the fall. Caliber Homes has accepted payments since the letter from Vericrest on XXXX/XXXX/XXXX and exceeded the amount of {$3900.00}. Caliber homes never notified correctly as I believe XXXX states. I do not feel I have appropriate time allocated to pursue a potential buyer whom has interest, or to have been given an specific dollar amount that needed to be paid to reinstate my loan. Thank you
|
| 06/29/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Today it was brought to my attention that a mortgage company has been reporting to all XXXX credit companies. I 've never had a relationship with the company called Caliber Home Loans, but they have been reporting as if I do for the last year. I did previously own a property with XXXX XXXX XXXX, but as of XXXX XXXX I was discharged and cleared in the United States bankruptcy court in XXXX NC. I was discharged from XXXX XXXX XXXX and all other debts. At the time of XXXX XXXX, I gave up all rights to the property and debt and had not lived in the property since XX/XX/XXXX. So it crazy to me how a Rep at Caliber Home Loans by the name of XXXX XXXX number XXXX, told me that they acquired the loan from XXXX XXXX XXXX as of XXXX XXXX, A whole year and a half later after my BK was discharged. XXXX XXXX stated that my BK did n't discharge me from the property, all it means that they ca n't collect the monies on the property that was owed before my BK, but that they can continue to report this loan to the credit companies, and that they can collect funds on the property since the discharge of BK, but If I want to go on a payment plan, modification she could help me cause If I called another department no one can speak to me because her department is the only one that can handle my calls. I told her, I did n't need her help because I gave up the property and that the property was discharged in BK. After I stated that XXXX XXXX, became disrespectful, rude, and used foul language to me and placed me on hold without asking and never came back to the phone. I just ca n't believe that this is possible.
|
| 05/27/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
For almost XXXX ( XXXX ) months I have been trying to get information in about charges on our account that we feel are an attempt at XXXX payment the XXXX XXXX months they would tell me that I nad to contact XXXX for that information and XXXX told me that they sold the account to Caliber Home Loans and I would have to get that information from them.All this time they would insist that I had to pay over {$20000.00} and that they could not take a one month payment on this account. Then for the next XXXX months they gave me a song and dance about this account could not bee discussed because it was in a bankruptcy that had been discharged in XXXX of 2010. It was n't until I had a friend, who happens to be an attorney, call them. they told me who to contact for this information. In the mean time they said they sent a certified letter in reguard to the payments however we never received this letter. Then they said they sent it to the attorney that I had call them, however he never received any letter either and that we had to pay overXXXX to stop the forecloser process. And that they have until XXXX XXXX to supply me with the information that we requested. We feel that this is an attempt for Caliber Home Loans and XXXX to defraud XXXX CITIZENS. And to date they have not sent the information, However they have sent a letter about bankruptcy discharge as if it just accurred. and they have sent a person to take pictures of our home. this means that they are more interested on legally stealing our home instead of letting us resolve this matter and paying off this loan, aswe have been trying to do.
|
| 08/15/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I took out a loan on XX/XX/XXXX, with a principal balance of {$310000.00} with XXXX XXXX XXXXXXXX dba XXXX. The previous servicer of the loan was XXXX XXXX XXXX XXXX. Caliber became the servicer of the loan on XX/XX/XXXX. A Chapter XXXX Bankruptcy ( Case Number XXXX ) was filed on JXX/XX/XXXX. additionally to an open appeal and oral hearing before the Bankruptcy Appellate Panel ( BAP ) ( Case Number XXXX ) where standing has been challenged.
As a result of divorce in XXXX, and losing 50 % of my income, I became delinquent on the loan for $ XXXX, and they began foreclosure on XX/XX/XXXX ; however, foreclosure proceedings are moot and have been suspended pursuant to the active bankruptcy stay.
I requested clarification of the balance of my loan and according to XXXX they owned it which was not legal and per XXXX could not be sold. Caliber claims that ownership of the loan has been transferred on multiple occasions but has failed to provide any evidence to that effect. They claim that the loans investor is XXXX XXXX XXXX XXXX, ( a Statutory Trust created in Delaware ), and that XXXX XXXX XXXX, XXXX, is the trustee. I have contacted XXXX XXXX and they deny any involvement with my note.
Caliber claims to be the loans servicer and I have filed varios modification requests which remain unanswered. They claim that a document filed by the Trustee reflects that as of XX/XX/XXXX, the bankruptcy trustee paid {$6300.00} to Caliber which is still unaccounted for in the recent payment history Caliber has sent me.
I therefore request that the CFPB get involved and audit this loan for fraud.
|
| 02/14/2022 |
Yes |
|
|
|
Web |
Servicemember |
|
I sold my home in Florida on XX/XX/XXXX. After closing, I was due a refund in excess of {$2000.00} from my Mortgage lender, Caliber Home Loans. After not receiving the refund check by mail by XX/XX/XXXX, I called Caliber Home Loans and they informed me that my refund check was sent to the property I sold on XX/XX/XXXX and not to my forwarding address. I called the new homeowners of the property and they insisted nothing was ever sent addressed to me from Caliber Home Loans and have forwarded all mail received in my name in which none were a refund check. Either way, I gave XXXX my new address and was informed a new refund check will be issued and sent to my forwarding address and it should be received within XXXX weeks. After again not receiving a check by XX/XX/XXXX, I called Caliber Home Loans again and was told the new check request was never actually submitted. The XXXX representative told me she would fix the issue and submit the request for a new refund check and that unfortunately it will still be XXXX weeks before I received the check. It is now XX/XX/XXXX and XXXX weeks from that conversation and no check has been received. I called Caliber Home Loans again and was this time informed that for some reason, the request for a refund was closed out so a new request would have to be submitted and of course, we start the XXXX week process all over again just to call again in XXXX weeks and probably be informed of another issue with my refund. Caliber Home Loans has been awful to work with and its been almost XXXX months since I sold my home with no escrow refund being received.
|
| 05/18/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Ive have been working on refinancing my house since last year of XX/XX/XXXX, Ive assumed the loan and removed my ex -co borrower I was contacted by Calliber home loans team to refinance my house, I told them the situation were I had a court judgment entered from the judge for the ex borrower to sign a quit claim deed, Calliber advised me they would handle the situation in XXXX of XXXX I got a closing date from them 4 different times, they XXXX the processor and XXXX told me that the signing from the ex is all we needed to move forward to close, I told the ex borrower if he signed off I would sign off on a satisfied judgment of the amount the was entered against him for XXXX so I could close on my house the next following day! Come next day they Calliber told me they were going to close me out on the flowing Saturday never happened I got a email stating your 3 day waiting period has started, I was supposed to close on XX/XX/XXXX then they changed to the XX/XX/XXXX then today I get a call stating they cant close me out! Something is wrong something is not right I removed him off my loan and now my title, they are telling me income verification when I was promised 4 different closing dates! Id like them to be held responsible for my XXXX $ for misleading me and misguiding me, and also pay off my loan since they wont refinance me, its not my mistake someone dropped the ball and they cant fix it and I need help, also the city gave me a tax deduction due to property taxes going up, but yet they still are making me pay them, I have more documents and emails and proof! I want justice
|
| 10/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had my mortgage payment setup to automatically send from my bank to the mortgage company Caliber Home Loans on the 1st of every month. In XX/XX/XXXX/XX/XX/2018 my mortgage payment changed because the property taxes changed. This caused my mortgage payment to increase. However, because Caliber Home Loans had purchased my Loan from XXXX XXXX Loans I wasnt correctly receiving notifications of these changes to my mortgage as they were not sending me the statements. Additionally, they were supposed to be sending me emails but they werent. This resulted in my underpaying on my mortgage account on XX/XX/XXXX/XX/XX/2018 because I didnt know to update the automatic payment I was sending. When this happened Caliber Home Loans reported a 30 Day late on my credit. As soon as I became aware of this I paid the mortgage account current, When working with Caliber they refused to take responsibility for the failure to notify me of the change in my mortgage payment and refused to remove the 30 day late from my credit. I have attempted several times to dispute the 30 day late without success. This was not a 30 day late, the payment was made, but the payment was short because of Calibers failure to notify me of the change in payment amount. The account has since been paid in full and closed, and Caliber is still refusing to correct this error on my credit that was a result of their negligence and failure to notify me in the changes to my mortgage account. I had full intentions of paying for the mortgage and had I been properly notified of the change the payments would have never been short.
|
| 05/21/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
On XX/XX/2016 I received an escrow letter from Caliber Home Loans stating that My mortgage payment was going to increase from {$620.00} to {$1500.00} on XX/XX/2016 due to an escrow shortage caused by an HOA assessment in the amount of {$340.00}. I immediately contacted Caliber and spoke to XXXX who advised me that a check was being sent every month in the amount of {$340.00} to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Fl XXXX. I advised her that my association is XXXX XXXX at XXXX XXXX XXXX XXXX Fl XXXX and my association fees are paid by me every month they are not included in my mortgage and that there are no special assessments on my property. After numerous phone calls and XXXX XXXX, 2016 fast approaching and nothing being resolved on XXXX/XXXX/16 I was forced to seek legal counsel to have to resolved before my mortgage was in default due to not being able to make payments that were not correct through no fault of my own. I had to pay {$900.00} to attorney XXXX XXXX to ave this issue resolved on XXXX/XXXX/2016 XXXX XXXX sent a letter requesting this be resolved and fortunately at this point my mortgage payment has been corrected. I am still currently out {$900.00} in attorney fees that Caliber does not seem to want to reimburse me for. This was something that had they not erroneously mismanaged my escrow account or at minimum resolved the issued when they received my letter and documentation supporting my mortgage should not be going up because this was an error on their part I would not have had to pay {$900.00} to an attorney
|
| 02/06/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
To Whom It May Concern ; I would like to make a complaint about Removal of the PMI Insurance on my Caliber Homes Mortgage Account with the principal balance of the loan has 78 percent of the original value, of the Loan.
We are getting into 5th month since I did my request for removal of the PMI on XX/XX/XXXX. Ive been paying for the PMI 4 months now for no reason at this point. They kept delaying the process on purpose to charge this amount as long as they can.
First, they said they never received my request, and then they fund my mail request after 2 months but they Lost the check I included in the mail. And then we made a call to confirm they are processing but of course, they are not doing anything to remove the PMI because they did get paid for BPO to do appraisal they lost my check that I wrote on XX/XX/XXXX. Unbelievable. We made a payment on the phone when we call to check the status, we made the payment for {$160.00} but what they did again they applied that {$160.00} to my principal balance, I was waiting another month to find this out I'm glad I checked my statement that's when I realize they made another mistake. I don't know how this company survives with these employees, who will call to make {$160.00} principal payment for this size of a mortgage and we are up to date with payments also we have autopay on the account? Unreal.
This mistake they made again cost us another month.
Finally, BPO person showed up on XX/XX/XXXX and she took some pictures so we are at the waiting stage again until they make another move to not to remove the PMI on my account.
|
| 06/03/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I am so desperate I hope you truly are able to help me with this matter that has gotten out of control. I have submitted numerous times a complete modification packet to Caliber and I do not get any help. They always use the wrong income in order to denied me. Caliber has schedule many times a sale date even though my file was under review. I am livid because recently I was denied on XXXX XXXX, 2016 and was advice by Caliber that if I wanted to reapply I can always submit a new packet due to my appeal being denied.Therefore, I submitted a complete packet on XXXX XXXX, 2016 to Caliber. But now Caliber refuses to put my sale date on hold for the reason that my packet was not summit 35 days before my sale date which is for XXXX XXXX, 2016. I explained many times to supervisors that how was I suppose to summit a modification application when my appeal was under review. Literally once my appeal was denied on XXXX XXXX, 2016 Caliber schedule a sale date for XXXX XXXX, 2016. This is not fair what Caliber is doing because I spoke with the foreclosing attorneys XXXX XXXX XXXX and they advice me that they will put my sale date on hold or suspended it but Caliber refuses to submit a request. At this point I am really fed up because Caliber refuses to help me and they just keep prolonging my foreclosure. I can not believe that they schedule a sale date less than 30 days and expected a complete packet 37 days before. Clearly I was set up for failure. They schedule the sale date less than 37 days like they request to postpone and review. This needs to stop and I need to be assisted.
|
| 02/23/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have supplied caliber home loans with a detailed payment history from my bank showing a consistent pattern of dated biweekly payments that has been received and cashed by their company yet the company continue to report my account 30 days and 60 days late to the credit reporting agencies. I have ask caliber on several occasions via letter over the last 3 months to please correct this or provide me with proof disputing my payment history from my bank. Their only response has been a predetermined letter stating according to our records this account is reporting correctly. There has never once been any written proof and or documentation provided by caliber to dispute my claim or substantiate theirs just that letter. I believe this to be a predatory lending tactic to prevent patrons from leaving a poorly represented company by lowering its consumers credit ratings. As previously stated there has been a biweekly payment sent to caliber home loans on my account since XX/XX/2014 to present. There is no way my account could have ever been 60 days past due let alone 30 days with biweekly payments being made every two weeks for nearly 2 years consecutively. ( I have documented proof ). Caliber accounting department has held payments and applied two payments at the same time and reported my account as being late. I have documentation of the cancelled checks with the date they were cashed by caliber home loans. This information was supplied to both caliber home loans and all the credit reporting agencies and caliber is still reporting false information and refusing to change it.
|
| 02/05/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
Previously filed a complaint due to mismanagement of my escrow account by Caliber Home Loans. CFPB Claim number XXXX. Received a response from Caliber regarding refunds issued for the incorrect and lost payments withdrawn from my escrow account and correct payment issued on XXXX/XXXX/XXXX for my full XXXX property taxes. Before all the corrections were made, Caliber issued our XXXX IRS Form XXXX which reflected the incorrect amount for taxes paid. I disputed their initial response as well as emailed the Caliber complaint department notifying them of the incorrectly reported taxes paid for the year in block XXXX of our XXXX and I requested a corrected XXXX. I never received a response to either of my written requests. I then called the Caliber Tax department on XXXX/XXXX/XXXX and spoke to XXXX ( Teller ID # XXXX ) who informed me that she spoke with a manager and the manager stated that they would not be issuing corrected XXXX because Caliber does not report this information to the IRS and that I should go to my taxing authority to get the correct amount. I informed her that I do n't believe that is an appropriate answer as I am required by the IRS to use these forms provided to complete my tax return. They have incorrectly reported the amount in block XXXX and should issue a corrected XXXX. She stated they would not issue a new form so I advised that I would be filling a new complaint to address this because I do not believe that is appropriate business practice to provide false amounts on an official tax document used for tax reporting of my personal return for XXXX.
|
| 08/13/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I, consumer, entered a consumer credit transaction on XX/XX/2021 with Caliber Home Loans / Mortgage Connect, LP. A consumer credit transaction in which a finance charge was involved. 15 U.S. Code 1605 defines a finance charge to be the sum of all charges and include insurance, but Mortgage Connect, LP made me purchase insurance separately. Furthermore, Caliber Home Loans, did not disclose all that was supposed to be disclosed to me during the consumer credit transaction including my right of rescission pursuant to 15 U.S. Code 1635 which states When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Furthermore, pursuant to 15 U.S. Code 1635 ( b ) : within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Attached below, my rescission notice dated XX/XX/2021.
It has been 30 days, no title of deeds has been received and no communication other than debt collection calls at all times of the day which are direct violations of 15 USC 1692d ( 5 ) and crime pursuant to 15 USC 1611. Attached are proof of calls and voicemails.
|
| 09/22/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Dear CFPB, Please find my complaint against XXXX who pretends to be a " servicer '' for some non-existing Trust, and the owner of my " debt '' which they " purchased '' from some secretive source which nobody can identify.
Please also find my complaint against Caliber Home Loan , Inc. a previous Servicer. I demand identification of the party who maintains an asset account consisting of my alleged loan receivable as an asset and who maintains escrow accounts and pay property taxes.
Since XX/XX/XXXX XXXX refused to provide me ANY information related to their purported ownership of my loan which XXXX purportedly purchased from someone whom nobody cans identify.
XXXX also pretends to maintain my escrow account where XXXX collects my money to suppose pay taxes and property insurance.
In fact, XXXX does not pay my taxes and I suspect they do not pay my property insurance as well.
I went to my local Treasurers office in XXXX XXXX and asked treasurer XXXX XXXX to verify if XXXX paid my taxes.
Treasurer XXXX did not had any records about XXXX paying my taxes.
Neither PennyMac or Caliber never provided me ANY receipts of their payments for my taxes and insurance from my escrow account I demand PennyMac and Caliber to provide me copies of ALL receipts for their payments of my property taxes and home insurance, beginning from XX/XX/XXXX to present time.
Please also provide me the name and contact information if the person who is/was responsible for bookkeeping records and escrow accounts at the Company ( s ) from XXXX XXXX ( at Caliber ) and XXXX time at XXXX.
|
| 04/05/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
Currently, I am XXXX in the military and my place of residence has been foreclosed on. As a result, I have obtained a military stay, however the associated lender and mortgage company has not respected the court and violated Fair Debt Collection Practices.
Caliber Home Loans and XXXX as Trustee for XXXX XXXX have violated Fair Debt Collection Practices. They have sent people to my place of residences to to question my family and roommates. They sent a vendor by the name of XXXX ( XXXX ) to harass my wife and threatened to evict her if she did not sign a document. My wife asked that he would not return to the premises and he came back to harass her on XX/XX/2017 at XXXX. XXXX called her and threatned her to evict again on XX/XX/2017. She and XXXX argued for over an hour. She sent XXXX a copy of her lease via email and he continued to harass the other tenants and scared them into signing the documents. As a result the other tenants moved and left my wife and I stuck with all the utility bills.
On another occasion, these XXXX companies have sent someone by the name of XXXX on XX/XX/2017 at XXXX to question the contractors that were mowing the lawn at my place of residence. The contractors informed me of the questions that were asked of them.
I have documentation of the emails, letters and court notices that were received by XXXX and Caliber Home Loans. They have violated a number of times.
I understand that each time constitutes {$1000.00}. I would like them to pay me for each violation. If they do not want to respect my family then I will take them to court.
|
| 04/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
To Whom It May Concern : In your response to to the inquiries you received through the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/2023, and the XXXX XXXX XXXX on XX/XX/2023, you stated, You want Caliber to take the payment as they requested, move forward with the request and remove the PMI retroactively when your initial request was submittedOnce we have the decision from the investor, we will respond with the decision and backdate the decision to when the initial payment was received, XX/XX/2023. Having accepted that your error caused an undue delay and therefore providing a remedy of retroactive removal.
I have since received your letter dated XX/XX/2023 directly contraindicated the above text submitted through the Consumer Financial Protection Bureau ( CFPB ). Your letter dated XX/XX/2023 states, As the PMI decision is based on the receipt of the valuation, is the date of XXXX cancellation Caliber will cancel the PMI and will not cancel based on your request date.
Again, your previous correspondence submitted to the Consumer Financial Protection Bureau ( CFPB ) stated that you accepted your error caused undue delay and you provided a remedy of retroactive removal to the date the initial payment was received, XX/XX/2023. I request that Caliber Home Loans take immediate action to resolve this issue by providing the remedy stated in their correspondece. I would appreciate a response to this letter within 10 business days, outlining the steps that you will take to resolve the situation. Thank you for your attention to this matter. Sincerely, XXXX
|
| 07/22/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Caliber Home Loans based out of XXXX, Texas mismanaged funds from our XXXX home loan since acquiring it in XX/XX/2019. Throughout the entire renovation process, their service has been unsatisfactory at meeting our basic needs for a renovation home loan.
Caliber Home Loans chose to release the 10 % retention fund to our contractor before all work was completed. As stated in Calibers FAQs on their website, A 10 % retention will be withheld on all draw request to ensure all work is properly completed and for lien protection. The retention is released with the final draw upon completion of the project. The items that remain incomplete are as follows : Permanent marker remains on the newly finished wood floors.
Holes were cut into newly finished wood floors and never fixed.
Holes were left in the ceiling and floor of 3 bedroom closets.
Unnecessary holes for registers on ceiling in living room and kitchen were never closed.
The steel bars were purchased but not inserted in our concrete retaining wall on the ground level.
Pipes from the old radiators were not removed from the floors.
Debris from demolition was left in our yard.
In addition to the above items, Caliber Home Loans released funds in the amount of {$5000.00} within the first draw which should have been held back until the change order had been completed.
We communicated with Caliber Home Loans several times about the mismanagement of our funds for our home renovation and were ignored. The overpayment of funds to our contractor cut into our remaining budget leaving us with a subpar renovation.
|
| 10/02/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
XX/XX/2018 My complaint involves the deceptive information used by XXXX XXXXXXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, New York XXXX telephone ( XXXX ) XXXX XXXX, to induce XXXX XXXXXXXX to create a mortgage.
At the time that the XXXX XXXX was creating this fraudulent mortgage I was XXXX and unemployed. I notified XXXX XXXX that it was impossible for me to continue my mortgage payments and asked him to confer with the bank, XXXX XXXXXXXX, to arrange a program that would allow the sale of the property and the settlement of the outstanding mortgage.
What was represented as a form of modification turned out to be a financial arrangement that was onerous and draconian in its cost in fees and new taxes and future interest rates.
The result is that the bank is now at the brink of foreclosure and they have issued a to the court a {>= $1,000,000}, which if executed will leave my wife and myself without any equity and we will be subject to abject poverty. Our most valuable asset will be taken from us and the bank will collect {>= $1,000,000} in fees. My wife and I will be destitute based on a mortgage that I would never have gotten based on the true facts rather than the fabrication that the XXXX XXXX used to create an application that the XXXX XXXXXXXX would accept. This was no more than a way for the bank and the mortgage broker to garner tens of thousands of dollars in fees, with no regard for the laws that demand a truthful disclosure of facts, or the negative impact on the people on the other side of their deceptive behavior.
|
| 09/15/2020 |
Yes |
|
|
|
Web |
Older American, Servicemember |
|
XXXX XXXX in XXXX XXXX, Florida, were hired by my Realtor XXXX XXXX XXXX XXXX Fl. to inspect the premises located at XXXX XXXX XXXX, XXXX, Florida. XXXX. Approximately {$450.00} was paid to really check the property over for major flaws. The inspector told me that everything on his hot items list were repaired as requested. This proved to be untrue. I specifically asked him did he do the work and he said yes. Unfortunately for me ; possibly XXXX and the owner may have have fabricated on the disclosures. I emailed XXXX Management and complained very cleanly. They ( XXXX ) turned the narrative around and made me the culprit and they are not seeking to settle. As of date I have spent a little over {$6000.00} in labor and materials. I also had to call XXXX XXXX XXXX for lab Tests such as swabbing, air sampling, and advisement from XXXX XXXX on how to purify the mold damage. I find it difficult to believe that the owner XXXX XXXX located in XXXX, Ohio, address is XXXX XXXX XXXX. I find it really hard to believe he was not aware of the mold because he sure had the fresh paint inside and out. He left hazardous materials such as paints in the garage, I thought nothing of it. I have two contractors that say different. What was most disturbing is that I was selling my home to purchase this home above and I disclosed honestly and even paid extra money to buyers just for minor repairs. I am waiting on another contractor to to dispel anything they claim as repaired. How they just put some type of debris and never fixed the adobe roofing. Sincere Thanks.
|
| 02/20/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I purchased my House in XXXX XXXX with an FHA Loan, I started making my payments of {$1600.00} and everything was going well till I got a letter from Caliber Home Loans last month saying that we have a Shortage in the Escrow Account of {$3800.00} and that our payment is going up to {$2000.00} by XXXX XXXX, XXXX due to this Shortage. The problem with this Shortage is that they are trying to include in the Escrow Account, not only Taxes and Insurance which is the normal, but also Mortgage Insurance when that was never Disclosed at closing, nor was it disclosed in the HUD-1 at closing or any where in the Documents we signed. I have talked to the Mortgage Broker we had the Closing with, I have talked to different Mortgage Professionals and they have looked at all the closing Documentation and tell me that has to be a mistake because the Mortgage Insurance is a Premium that was added to the Loan Amount and even though we have to make monthly payments on it they are not to be included in the Escrow Account and they do not need to have reserves for that, this is not an FHA Policy and this Lender wants to do it because they want to.
I tried talking to the Escrow Department at Caliber Home Loans a few times and they say it is right there at the HUD-1 and we signed for it, but that is not true, when you look at the HUD-1 it says that Taxes and Insurance are to go in the Escrow Account not Mortgage Insurance.
We really need to have this resolved, we can not afford that monthly payment and that is going to result in us losing the House. Please help!!
|
| 05/27/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I originally had a mortgage with Country Wide mortgage. The company was taken over by XXXX XXXX XXXX. I had paid the mortgage on time for a while. Then a few years later I started having financial problems. I tried negotiating with my motgage company and they appeared to want to work with me. As time went on I applied for a loan modification. They sent me a modification package. I filled it out and they was always some technical reason for not granting the modification such as not a complete file or the package being mailed or faxed a day late. This excuse went on for long time, My XXXX servicer was a person named XXXX XXXX. After her I had XXXX other case managers, I hired a modification specialist to handle my case and they filled out some papers ang gave me some advice for over {$3000.00}. I think I was ripped off because I did n't get any results from them. The modification process dragged on until the begging of this year when I sent a letter that my note was sold by XXXX XXXX XXXX to an investor and that Caliper Home Loans would be the servicer of the loan. I calll them and spoke to a customer representative and told her that I was interested in modifing the loan. I was sent a letter in the mail. I filled it out and mailed it out to Caliper homes in XXXX and I was waiting on results as far a my modification decision. But during this memorial day weekend someone changed locks on my home after I left that morning. I would like for someone to help me so I can resolve this issue that has been going on for years.
Thanks, XXXX XXXX XXXX
|
| 02/21/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
This is a continuation of my Petition against XXXX XXXX. Trustee for XXXX XXXX XXXX XXXX c/o Caliber Home Loans , Inc .
Caliber Home Loans has harassed me since XX/XX/XXXX regarding the XXXX XXXX Mortgage which was disputed and closed. I have told Caliber Home Loans , Inc. that I never had a contract with them and that my XXXX XXXX was not transferred and/or assigned per regulations. In XX/XX/XXXX Federal Court found that all violated RESPA, FDCRA, TILA and settlement class received money and a do not contract with any of the above.
However while this litigation was happening in Federal District Court in New Jersey, XXXX Caliber was harassing me to pay or set up a modification and I would not, stating I did not have a contract with them. Caliber, XXXX XXXX XXXX and XXXX are all intertwine and committed real estate fraud. THE CLASS ACTION SUIT FILED BY XXXX, XXXX AND XXXX XXXX ON BELHALF OF THEMSELVES AND THE CLASS MEMBERS AGAINST CALIBER HOME LOANS , INC. ; XXXX XXXX XXXX XXXX XXXX, AS TRUSTEE OF XXXX XXXX XXXX XXXX CAUSE NO. XXXX CAUSE NO. XXXX addresses all the issues of the violations that made any contact made to the class, which I am, should be reimbursed money or not liable for any property, loans or liens. The boldness of litigating in federal court and harassing me to modified when Caliber acknowledged all the violations.
There were 5 causes of actions with sanctions attached to each. The foreclosure on my home is fraudulent and should be protected by the Homestead Protection Act since the suit to foreclose is a fraud.
|
| 12/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
We sold a property having a mortgage with Caliber Home Loans on XX/XX/XXXX and Caliber has over {$2300.00} on escrow that they have not disburse. Unfortunately my father passed away on XX/XX/XXXX which was the borrower on the account but I'm a trustee as well as my mother on the Estate. On XXXX of XXXX we sent a package with all possible documents they might need to add me as a successor in interest which they said was the process for them to disburs that check.
We sent death certificate, trust, statements and picture ID The first package they stated they never received so we have to resent everything again After they receive the 2nd package they started asking for documents that they already had like Evidence that ownership interest was transfered to me. This is already stated on the trust. We resubmitted the trust.
Every time we sent documents they take over 30 days to send me a letter the only way to communicate with them because they don't speak to me saying I'm not authorized on the account and they aren't legally able to give me any information We have XXXX letters from them asking us to send documentation to different addressess.
We call almost everyother day to get some information and the only thing they say is that it usually takes 48 to 72 hours from they day they receive documents to upload it on the system.
After almost 2 years we strongly believe they want to keep us on a legal loopwhole to avoid disbursing the money on escrow funds We really need help because this is detrimental and tiring to go through this
|
| 06/03/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
First adn foremost my account is with Caliber HOme Loans which apparently took over for XXXX. I have been trying for months to get ahold of them, and for some reason they claimed that i put a CEASE and decist order on the account whICH did n't come from me - so for months no communication and DELAY in getting the process started. Secondly, they have misapplied payments as some payments were made from my account, and my husbands account, They refuse to credit the account.. NOW here we are XXXX, my house is set for foreclosure XXXX XXXX, i have fa'xd, emailed, sent everything MULTIPLE times, each time i am missing yet something else, they add something to the list, every rep i talk to tells me something different, XXXX tells me they need XXXX more piece, another XXXX tells me they are missing multiple pieces, even the mail tells me a different story each and every time i get correspondence - MEANWHILE - my husband and I are both working after being unemployed, we are getting back on our feet, and trying to get the bank to help. We even tried a couple of times to make payment. I tried over the phone, and online and they wont accept any $ $ to keep us from getting more behind. It is our assertion, that they are ON purpose making this hard. i cant understand why the process has not started I can not lose my home, i am supposed to be protected under the bankruptcy that we filed a few years ago, i take care of my XXXX parents and my XXXX niece ... i feel that this has been the most stressful process EVER - and im frustrated and scared
|
| 11/06/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
On XXXX XXXX, XXXX, I applied for a Mortgage loan with Caliber Home Loans to refinance my home and I specifically spoke to XXXX XXXXLoan officer.
XXXX asked for all necessary documents to start processing my application, all of which I provided as requested. Unfortunately as required by Law, I never received the initial disclosures within 3 business days of Application receipt Date or a Credit Decision within 30 days of application date.
On XXXX XXXX XXXX XXXX contacted me and said that my loan application had been approved and will be sending me initial disclosures.
On XXXX XXXX, XXXX, I received initial disclosures from Caliber Home Loan but was asked to back date the disclosures 3 months back to when I initially submitted the application! LE of GFE not among the initial disclosure package provided by Caliber. I called/emailed the Loan officer asking for my LE and he said it will provided as soon as he gets it. I still have n't gotten my Loan Estimate.
One month passed by without hearing from Caliber and on XXXX I was shocked to receive a Notice of Denial from Caliber stating that my loan was denied due to : Credit Application Incomplete. This is simply not true, I never received a Needs Letter from Caliber however I did receive an email confirmation from the Loan Officer stating that my loan was approved. I am so disappointed by Caliber Home Loans unethical business practices. It 's evident that mortgage companies such as Caliber did not learn anthing from XXXX mortgage crisis and surprised that it is still in business.
|
| 03/26/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Caliber Home loans has failed to send my Homeowners Insurance Policy payment in a timely fashion, the payment was due on XX/XX/XXXX and set to expire on that date if no payment has been made. Caliber claims that they sent the check to XXXX on XX/XX/XXXX. Today on XX/XX/XXXX XXXX still has not received the payment from Caliber. XXXX has repeatedly stated that there is a 30 day turn around for policy payment applications that are part of a bulk amount from a mortgage company. Caliber Home loans admittedly was aware of this policy and claimed they were never billed directly by XXXX and therefore never made the payment. XXXX XXXX ( XXXX : XXXX Phone # : XXXX ) a Caliber home loans employee refused to connect me with upper management, refused to issue another check to the insurance company and refused to resolve my call on the line. Because there is water in my basement and XXXX wont process my claim until the payment is received I am stuck. XXXX refused to help me any further and told me to simply wait until XXXX got the payment. When I stated this was not sufficient she told me I could get a manager call back within 2 business days. As my situation is not one that can wait I told her that I needed to speak to someone today, she refused eventually disconnecting my conference call with her and the insurance company. She consistently placed blame on the insurance company and took no responsibility on behalf of Caliber for them allowing less than 5 business days for the check to reach XXXX and be applied before the expiration date.
|
| 10/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Caliber Home Loans deliberately has taken down their payment system ahead of the end of the month. They are no longer accepting bank/ACH payments, nor are they accepting debit payments.
Their representatives do not have a good understanding of what is going on, so they misroute and misadvise users.
I requested written confirmation of the outage, they refused to provide it. Their solution is to try again on Monday, when all of their other thousands of users will likely be making the same scramble to pay.
I informed them I was trying to address the issue proactively, and they refused to offer any solution beyond waiting and hoping. Always sound fiscal advice.
They would not provide any confirmation of the situation that I can leverage in future conversations, despite my request based on previous experience during a home refinance ( that I halted ) where I was explicitly lied to about the details of the refi.
I do not take this team at their word. I asked for written confirmation, and it was denied. I asked for a recording of the call, as it was being recorded, and I was denied. All they would give me is my loan documentation. And while it outlined my grace period for penalty, it makes no mention of credit referrals or other things Caliber can do that may tangible harm my credit score or other aspects of my financial health.
This company is terrible, and someone should review their shady business practices, as I'm sure less fortunate consumers are being hurt by them and their deceptive, non-transparent practices.
|
| 08/26/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
THIS IS NOT A DUPLICATE I am going through a divorce and trying to refi my current home. While waiting for my divorce agreement, I made my XXXX payment to Caliber Home Loans. After a few days, I had noticed that the funds were not withdrawn from my account as they had always been in the past. I called a few day later only to be told that with the holiday ( XX/XX/XXXX ) and Covid, it could take up to 10 days to get the funds transferred. I was told to call back after that. I did. Worried about the transaction, I went ahead and made ANOTHER payment to my mortgage to make sure that the XXXX payment would NOT be counted against my credit. That 2nd payment was applied to my XXXX payment ( while leaving my XXXX payment still " unpaid ''. ) I then get a notification that my XXXX payment did not go through because I had changed bank accounts ( an old to new ) to take my soon to be ex wife off of the checking account. The bank, XXXX XXXX XXXX, mistakenly did NOT forward the mortgage payment over thus resulting to the " late payment ''.
I AM INCLUDING THE EVIDENCE ( LETTER FROM MY BANK ) that was sent to Caliber, upon the request of " XXXX '' and " XXXX ''. Both stated that IF my bank ( XXXX XXXX XXXX ) would admit the error, that the blemish would be REMOVED from my credit report.
I have tried to resolve this NUMEROUS TIMES and I keep getting one person after the other, at Caliber, who basically says, there's nothing they can do.
I need help ... I did everything correct and I'm still being penalized.
Sincerely XXXX XXXX XXXX
|
| 08/11/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
This company called us asking us to refinance our home and we informed them we were not interested after taking to their representative ( XXXX XXXX XXXX ) and from that point on the harassment started. They called our residence over 15 times during the month of XXXX with different people each time and stating they were form another mortgage company, but all still calling from the same area code in XXXX, Michigan. They used every company which fell up under them, XXXX XXXX, XXXX XXXX XXXX and more. After telling them that their counterpart ( XXXX XXXX XXXX ) was very rude, disrespectful and we wanted nothing to do with them, they took it to another level. They called our current mortgage company, requested a payoff amount, contacted our insurance company and had them stop my direct payment and told them it would be paid through escrow. They created their own email account when they added themselves to our mortgage account as a third party to receive information about our account and they sent in forged forms with my signature requesting they be added as a third party. It was very time consuming to trace all of their steps and have everything they did erased and to keep them from accessing my accounts. This company license should be taken away from them and they should not be allowed to conduct business as an LLC or any form of company. We did not at any time sign any contract or papers with this company, but they pushed forward to disrupt our life and make it extremely stressful to fix all of the things they put in motion.
|
| 10/09/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
I was divorced in XXXX at which time my ex-husband retained the family home but could not qualify due to poor credit to refinance and also due to the home 's negative equity which was and still is approx {$100000.00} - {$150000.00}. Our mortgage at the time was a conventional loan with XXXX which was reassigned to Caliber sometime after XXXX in XXXX. In XXXX of XXXX Caliber Home Loans modified the loan to an interest-only payment ( on a home already over-leveraged by almost 40 % of its actual current value ) without my knowledge, consent or signature. I am a full co-borrower on the loan, but no longer on the deed. Caliber is stating they did not need my signature to process this loan modification that altered the terms of the loan I had agreed to because I am not on the deed. I am stating that what they did was illegal and constitutes fraud. I have attached the modification agreement for your review. On my signature line, Caliber instructed my ex-husband to write in " N/A ( per quitclaim ''. I contend that Caliber was fraudulent in doing so, and that they did so based on my ex-husband 's sole income, financials and ability to pay, I should be removed from the loan, paid damages for the damage to my credit for all the late payments my ex-husband has made. In addition, I want to stop them from processing a deed in lieu of foreclosure on this property which I have now learned my ex-husband and co-borrower has initiated application for at this time. Contact at Caliber is XXXX XXXX, Assistant VP of Loss Prevention Claims, XXXX
|
| 04/20/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
We submitted a compliant regarding our homeowner 's insurance that was cancelled due to Caliber 's error during and after the transfer of our loan to them. Please see CFPB complaint number XXXX. Since then, we have received a new escrow analysis which stated that our monthly escrow payment was increasing from approximately {$400.00} a month to approximately {$1000.00} per month. I wrote to Caliber about this error. They stated we had a {$1900.00} shortage in our escrow at the time ( XXXX, possibly early XX/XX/2020, but before theXX/XX/XXXX payment was received ). I told them they were in error. We had paid the hazard insurance out of pocket and they were working from the wrong numbers and our escrow balance should not be short {$1900.00} based on what they actually paid. The response was that they were correct and the tax department would let us know if there were any other issues that required attention. What a ridiculous answer. This isn't a 'tax ' problem! They completely ignored the substance of the issue we brought to them. Like most people, a payment shock of {$600.00} PER MONTH is an amount that we can't pay, but we shouldn't have to pay it either, if they spent five minutes looking at the substance of our complaint. As you will see from their documentation, they are still taking into account that Caliber disbursed funds for insurance of about {$1200.00}. I do not see the credit to escrow promised in response to the prior CFPB complaint and they are double-dipping and collecting more than is allowed under the law.
|
| 11/15/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In the closing documents provided to me by Caliber Home Loans, Inc. ( CalibeXXXX XXXX immediately before the date of my mortgage settlement, I was informed that my total monthly mortgage payments for years 1-7 of my mortgage loan would be about {$890.00} and decrease thereafter. Of this amount, about {$200.00} was estimated to be necessary to cover my escrow requirements. I recently received information from Caliber, however, that indicates that my escrow payment was not estimated correctly and there is a shortage in my escrow balance. To make up for this pervious shortage and to account for future shortages, Caliber has increased my escrow payment by about {$350.00}. When I called Caliber to inquire about this matter, I was informed that the initial disclosure documents provided at settlement only contain estimates and its rather common for those amounts to increase in the future. I was also told that the shortages may be due to a tax miscalculation done by Caliber before the date of my settlement.
Such a response is unacceptable. While escrow payments may increase due to slight tax fluctuations in future years, I fully expected that the initial disclosure provided to me by Caliber at settlement was accurate, especially given that tax information is publically available and CalibeXXXX billed me for a XXXX XXXX XXXX. An increase of about 173 %, however, in the escrow payment is material and Calibers failure to disclose a reasonably accurate escrow payment at closing was a material misrepresentation and/or omission.
|
| 09/13/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
My mortgage was with XXXX and was supposed to include escrow. However at the time of signing no escrow was included and I was advised that the will add the escrow after we signed the documents. Well that did not happen and I contacted the person who closed the loan and was told he no longer worked with them but they can look into to it and get back to me. Well that did not happen and the branch ended up closing and nobody could help me. Needless to say I fell on hard times and my home went into foreclosure with XXXX a lock was placed on my front door and I was unable to gain access to my home. I contacted XXXX and they informed me that it was pulled out of foreclosure so I asked for the key and gained access to my house. At that time they told me I was responsible for the taxes on the property and I said okay. They then sold my mortgage to Caliber Home Loans who would only do a interest only payment modification for 5 years which and the balance on my mortgage is more that the house is worth. I had to take that option or lose my house. I have not missed one payment. I then receive a bill for my XXXX payment for XXXX which is XXXX more than my payment was. Come to find out it is because XXXX never paid the taxes when they had it in foreclosure and it was just added to my mortgage. I can not afford this. The balance on my mortgage is more than my house is worth. I need a modification that will lower my payment for the life of the mortgage not just interest for 5 years. It will put me back in the same position I was.
|
| 01/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
FACTS : Caliber improperly deducted two XX/XX/XXXX payments from my bank account via auto-draft on XX/XX/XXXX. From XX/XX/XXXX into the last week of XXXX, my account was showing due for XX/XX/XXXX ( due to the double payments ).
Caliber reversed one of the two payments from my account before XX/XX/XXXX. My account was then showing and is now showing due for XX/XX/XXXX. I have never received a refund of the improperly deducted second payment amount of {$1000.00}, and it is not reflecting on my account!
I discussed this with XXXX XXXX from Caliber by telephone ( after waiting over 40 minutes to speak to someone ) on XX/XX/XXXX. XXXX XXXX told me o Caliber converted to a new system and has a backlog o The duplicate payment was reversed and is in suspense o The duplicate payment should NOT have been reversed more than five weeks after the error occurred, which made my loan due for the XX/XX/XXXX payment o The payment in suspense will be re-credited to my account ; but at an unknown time, due to the backlog o In the event that the payment is not re-credited by the late charge date, I will have no late charge assessed nor will I have any impact to my credit report Caliber sent me a letter dated XX/XX/XXXX informing me o I owe Caliber {$2000.00} that is two payments!
o There is no mention of my payment Caliber is holding @ {$1000.00} ( from the improperly duplicated debit to my account for two payments on XX/XX/XXXX )!
o Caliber WILL report me to the credit bureau if I do not make the demanded payment by XX/XX/XXXX!
|
| 05/18/2017 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX Transferred Ch. XXXX filing originally filed in XXXX XXXX from XXXX , Ga ( XXXX & XXXX ) to XXXX , Fl ( XXXX XXXX ) . [ The balance transferred was {$4.00}, 200 ] XXXX Received a notice that Mortgage transferred from XXXX XXXX XXXX t o Caliber Home Lo ans. XXXX Represented by the XXXX XXXX XXXX who REFUSED to pr ovide me with a creditor list and amounts. Was told that the bankruptcy process is too complex for me to understand and I must pay what they tell me ( withou t them providing me with a detailed summary ). XXXX Terminated my relationship XXXX XXXX ( approved by XXXX XXXX XXXX . XXXX Received detailed claim from the Trustee 's office. The detailed list reflects Caliber with a total claim of {$77000.0 0} ( {$60000.00}, {$12000.00}, {$4300.00} ). XXXX Requested support fro m Caliber ( XXXX XXXX XXXX XXXX ) since NO d ocuments were filed to support the {$77000.00} claim. XXXX Received a proof of claim in the form of a loan modification document with an as of date of XXXX / XXXX / XXXX , but, still NOTHING to support the {$77000.00} claim. XXXX Court hearing to review creditor claims, focus on this claim fo XXXX XXXX XXXX XXXX XXXX ( Caliber Home Loan ). No document on file to support the {$77000.00} claim. Ordered by XXXX XXXX to obtain support for the claim so that the {$77.00}, XXXX can either be paid or dismissed for this bankruptcy ( next court date XXXX XXXX , XXXX ).
|
| 07/21/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
have been in a foreclosure for 7 yrs mortgage company finally foreclosed because of fraudulent docs.i have proof of fraudulent promissory note as well as fraudulent deed of trust finally the mortgage company got the documents it needed forged they never had a valid deed of trust with proper signature or a promissory note with proper signature, But hey got this papers forged .I have papers where the notaries stamps are marked out I have papers that state the note was lost and they are adding in a blank note which is illegal I need help to stop the sale of my property which is up for sale on XXXX XXXX 2016 I cant take this case back to superior court and the XXXX board of appeals will not consider any new evidence in this case so I would like for criminal charges be filed against the XXXX attorneys and the judge that handled this case but I fear for my life as well as my family based on a case that was filed against a judge and mortgage company out of XXXX XXXX .the judge that ruled on this case in XXXX XXXX XXXX the person he ruled against was called SUNNY XXXX OR XXXX LAST NAME XXXX XXXX or XXXX was found dead shortly after .I know that the attorneys for the mortgage company has international ties so that is my problem of being murdered if I bring charges against attorneys and mortgage company as well as the judge who ruled on this case.But I will not be intimated by fear I am XXXX yrs old so if death be an issue in me persuing just by these crooked lawyers and judges let it be but I want these XXXX prosecuted.
|
| 03/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
XXXX was recommended to us thru a good friend of ours to re-finance our loan. Everything went well the first time. We closed in XXXX.
As soon as our closing was complete, XXXX started harassing us to re-finance again, promising us a lower rate and guaranteed us we would not have to bring any money to the closing table.
Isnt that called predatory lending?
We finally gave in. The whole process lasted about 7 months. The night before we were to close, ( XX/XX/XXXX ), XXXX tells us that we would need to bring between XXXX and XXXX to the closing table. We told him that was not what he had promised, and we did not have that type of money. We feel like he tried to bait and switch us after harassing us for months and guaranteeing that we would not have to bring any money to the closing table.
We would like to file a formal complaint against XXXX for his relentless harassment and the way in which we feel he tried to bait and switch us at the last minute. We are hoping to bring light to this situation and hope we can stop him from treating anyone else like this. We feel so violated. We trusted XXXX to find out he was lying to us the whole time. After this experience with XXXX, I would never recommend him or his company he represents ( Caliber homes ) to anyone. If they let someone like that work for them, what does it say about the integrity and honesty about the company.
XXXX XXXX XXXX works for Caliber homes in XXXX. His NMLS # is XXXX That office # is XXXXHis cell # is XXXX.
The Caliber corporate # is XXXX
|
| 10/28/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have repeatedly requested information on 1 ) how to remove escrow from my mortgage account with Caliber Home Loans, 2 ) and have twice requested by written letter it be removed.
I requested the escrow account be ended on at least 2 separate occasions before I received instructions on the required process. The first was over the phone after I recast the loan following a very large principal payment on XX/XX/XXXX that put the mortgage account well over 20 % equity. That was followed by messages submitted in the online messaging center and over the phone in XX/XX/XXXX and XX/XX/XXXX. This was a long, drawn out process due to the fact that at every step of the process I was given incomplete information ( e.g., it took two months and multiple requests for the required recast request form to be sent. When I submitted the recast request, I included a note to remove the escrow. This was ignored. Eventually, I decided to wait until my homeowner 's insurance and property taxed were paid before removing the escrow account.
On XX/XX/XXXX, I sent a signed letter with the instruction to remove my escrow account to the address provider ( Caliber Home Loans, Inc Attn : Escrow, XXXX. XXXX XXXX, XXXX, Ohio XXXX ) On XX/XX/XXXX, I sent the request again via certified mail which was delivered on XX/XX/XXXX at XXXX XXXX.
I am today filing this complaint with the Consumer Finance Protection Board and sending a letter ( via certified mail ) to Caliber 's inquiry and dispute address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.
|
| 05/18/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I believe Caliber Home Loans an d its agent XXXX have acted in violation of the Right to Privacy Actor of 1974 in its a ttempt to access details about my retirement fund that they could potentially use in my recent loan modification application. In a letter sent to my retirement fund dated XX/XX/XXXX , Caliber Home Loans Qu ality Control Program/ XXXX stated that they were conducting a " random audit '' and requested that information about my retirement fund be verified. The timing of this audit is highly suspicious, as it coincides with my loan modification application that is currently in process and under review. The suspicious nature of their conduct is compounded by the obvious errors and omissions in the documents they sent to my retirement fund. Namely, the consent form Caliber/ XXXX attached to their request was dated XX/XX/XXXX , the date when I first purchased my home. In a letter to Caliber Home Loan s dated XX/XX/XXXX , my retirement fund denied their request and advised them that the authorization form was outdated, and they had not provided my social security number or retirement fund account number on their request. I believe that the above mentioned actions on the part of Caliber Home Loans and its agent XXXX were an illegal attempt to gain personal information protected under law and moreover, that their ac tions may b e an unlawful attempt to gain additional information about my finances that could be factored into their decision regarding my loan modification.
|
| 09/06/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I was never notified of the foreclosure/auction date. I happened to get a notification last week from XXXX regarding my property and the auction. I instantly reached out to the Mortgage company to see what was going on and they said that I had been notified and that they would not speak to me regarding a modification. The company that I hired to help me through this process told me the name of the mortgage companies attorney. I called them looking for assistance and they told me that they sent me notification of this and when I started to ask them for copies of information, I asked her what address they were sending it to and they were sending the info to an address that I haven't lived at for OVER a year! I know the mortgage company has the correct address because they still send me statements. I called an attorney for myself and he reached out to the mortgage attorneys who said that the have advised their customer to postpone the auction and foreclosure until I have been given proper notification. My representative from the company that is trying to counsel me, has also reached out to the mortgage company and they are being very emotional over this.
They are in the wrong as they did not provide me with the proper paperwork or time to try to rectify this situation. Hopefully allowing me the time to try to get a modification. The mortgage company said no and was still going ahead with the foreclosure. This doesn't seem right. All I want to do is work out a modification or payment schedule to keep my home.
|
| 01/28/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Because of economic reasons -- we have a lawn business that was hit hard when the housing crisis hit and folks were cutting back on services. As a result, we got behind on our payment. I have been trying for months to get a loan modification so we can get back on track and keep our home. Yet at every turn, Caliber Home Loans seems determined to take my house away. First they told me they would n't modify the loan because I could afford the monthly payments. Yeah. That 's what I was trying to get across to them. If they would just reinstate the loan, we could maintain the monthly payments. I also asked for a reduction in the interest rate of 7.999 % that we 've been paying since 2007, but no go.
They set me up on a repayment plan that made the monthly payment more than our monthly income so I applied for another loan modification. With the sale date of XXXX XXXX approaching, I called on Monday, XXXX XXXX to check on the status. The Point of Contact called that department and they said to call back on Friday and they would hopefully tell me some good news. So I called on Friday and was told that because the loan modification request had been submitted within 2 weeks of the sale date, it was too late and gave me a month extension on the sale date. They could n't have told me this on Monday when I talked to them? Total deceit. They also neglected to tell me I needed to resubmit the loan modification and I have been waiting all this month to hear if they approved it when they have n't even been considering it.
|
| 07/25/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have been trying to work out a loan modification with Caliber Home Loans since XX/XX/XXXX. Each time I have submitted the paperwork they 've asked for, they say they need only certain additional documents for a complete package. Each time as I have submitted what they request, they say to check back the following week, and then they have either come up with a different list or say they have n't received something that has been sent multiple times. At one point, my first Housing Counselor said she sent a certain item 3 times to them. They have given a list of items one day and two days later when they have what they asked for they give a different list, all the while pushing back and stalling the timeline of review so that I am now in danger of foreclosure.
They are now in the process of DUAL TRACKING ... Caliber refuses to take the foreclosure sale date off my house, even though they finally conceded on XXXX XXXX that they have a complete loan modification document package to review. One representative told my housing counselor they would take it off in a few days after processing. Another, 2 days later, told her they will not remove the sale date as they believe they 'll finish reviewing and make a decision before the sale date. This makes it sound like they are really intending to go through with the sale, even though they say they 're reviewing now. I am no lawyer, but I doubt that the actions of Caliber Home Loans constitutes Truth in Lending, as I have caught them lying to my Housing Counselor.
|
| 06/20/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I hold an adjustable mortgage with Caliber Home Loans. I have an escrow account for my local property taxes with the XXXX Ct. I have made every mortage payment on time. I also have a near perfect ( near XXXX credit score ). Since the loan was transferred to Caliber Home Loans, there has been an extremely frustrating, time consuming, stressful issue with their tax department, which is now sub-contracted to a company called XXXX. For the past three years, there have been at least XXXX different instances of the tax department missing payments, nearly to the point of lien status. This most recent incident did in fact lead to a lien being placed on my property several weeks ago. I have documented over 9 hours of my time being spent in endless phone chains and conversations trying to resolve this issue between XXXX/Caliber and the XXXX. I have written letters to XXXX as well as to the XXXX of Caliber Home loans to no avail. Each entity denies responsibility for the problem, but the most frustrating aspect of the situation is the complete lack of coordination between Caliber and XXXX. Caliber assumes no responsibility for the work of XXXX. Now that the lien has been placed, it will likely impact my credit rating for 7 years into the future, negatively affecting every area of my financial well being. Additionally, I had planned to refinance my adjustable mortgage this year, while rates are still low, which I will now not be able to accomplish. Thank you for helping me to resolve this issue with Caliber/XXXX
|
| 02/11/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
After suffering financial hardship due to divorce and reduced work hours, I requested my mortgage company to approve a short sale on my house. A foreclosure sale was scheduled in 14 days ( XXXX XXXX, 2016 ) but we had just received an offer for {$210000.00} that would pay off my loan with them ( Pay Off Amount is {$200000.00} ) and only leave them to pay part of the commission to the real estate agents and other closing costs. My agent sent them the purchase contract along with other documentation they requested and asked them to please postpone the foreclosure sale until they have time to thoroughly review the offer in hand and make a decision as to short sale approval. They informed my agent that since we only had 14 days until the sale and their internal process required 15 days to stop or postpone a foreclosure sale, they could not stop the sale. This is AFTER we had just told them we had an offer in hand from a qualified buyer. They still said because we only had 14 days, they probably could n't do anything. My agent told them all they had to do was pick up the phone and call the trustee and tell them to postpone the sale for 30 days and that should not take 14 days! I am furious and very confused as to why they would not just postpone this foreclosure when they know they have an offer in hand that will pay them off in full minus a XXXX dollars in closing costs. PLEASE HELP ME. I just need them to postpone the sale at this point, for 30-60 days, to give us time to get the short sale worked out.
|
| 10/24/2018 |
Yes |
|
|
|
Web |
|
|
The original closing date on our home was set for XX/XX/2018. However, the builder did not complete the finish-out punchlist on time, so we did not have adequate time to have a third-party inspection, a revised punchlist completed, and a second/final walk-through on-time for the closing. The closing date was then pushed back to XX/XX/2018.
Our loan consultant with Caliber Home Loans, XXXX XXXX, failed to send us a revised Closing Disclosure. The last correspondence ( disclosure ) was dated XX/XX/2018. At the closing we were shocked to see that we were not receiving the full amount of credit back we anticipated. Our realtor, XXXX XXXX, transferred {$1500.00} of her sales commission toward our closing costs, however, most of that amount went towards the prepaid interest on the house at a rate of {$41.00} per day from XX/XX/18 to XX/XX/18.
Ms. XXXX failed to inform us of this huge increase at closing in any form of communication. As first-time homebuyers this was shocking, embarrassing and deflating. We ended up losing {$690.00} to interest fees instead of the {$41.00} we originally saw. Ms XXXX did not educate us on this key piece of information. In fact, she was surprised at the time XXXX XXXX reviewed the documents at closing with us.
We contacted Ms. XXXX and Caliber Home Loans on a few occasions to try to rectify the situation among ourselves ( the last one being XX/XX/18 ) but a representative at Caliber on XX/XX/18 said we would have to file a complaint with CFPB to see any action taken.
|
| 06/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
On XX/XX/2020 I applied for refinancing with Caliber Home Loans. The Loan was conditionally approved on XX/XX/XXXX. After submitting all the necessary documents they requested to underwriting we were approved and signed the refinancing agreement on XX/XX/XXXX. The new rate would lock us in at a saving of about {$400.00} a month. It is now XX/XX/XXXX and the loan has still not been closed. They have continued to give me excuse after excuse because of a subordinating home equity line. It was told to me that all the escrow need for my taxes would be included in the loan and we would be getting our current escrow amount back, but then as of recently they said i owe XXXX. I'm assuming someone didn't do their paperwork correctly and due to the lengthy closing process my taxes were paid out and left me with a deficit. The resolution i'm looking for is this get closed in the next 6 days. If it's not closed by XX/XX/XXXX, I'm requesting no payment for the month of XXXX or XXXX. The first payment will be XXXX XXXX. I want an explanation to why i was told i would have XXXX coming back to me from escrow and now i'm XXXX in the red. I want some sort of compensation for the {$800.00} i lost over the last two months for the difference in my mortgage that should have been closed. If this is not resolved by XX/XX/XXXX. I will have no choice, but to turn this over to my Attorney as i'm tired of dealing with it. The people i have dealt with from Caliber are XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, and XXXX XXXX.
|
| 12/06/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Original complaint number is XXXX submitted XX/XX/XXXX. Since my last complaint I have received most of the information that I needed including loss mitigations options. Which resulted in me now being in the second month of a three month trial modification. However there is still a least one concern that I have that I still ca n't seem to get a clear answer form Caliber Home Loans on, on or aboutXXXXXXXX I sent a " Request for Information '' letter Caliber Homes requesting Corporate Resolutions, Power of Attorney, etc.. Since then I have received a whole packet of the same information that I have received in the past. I am requesting more in debt information that includes from whom, where and when these people where given the authority to transfer the " Deed of Trust ''. XXXX name that we are concerned about is XXXX " XXXX XXXX '' ( XXXX XXXX ). This name appears on " Assignment Of Deed Of Trust '' dated XX/XX/XXXX and filed in North Carolina Register of Deeds office in the County of XXXX on XX/XX/XXXX By XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX with Caliber Home Loans Inc. ( As Attorney in Fact ). My questions to Caliber Homes is ( 1 ) Who was XXXX working for at the time and dates in question? ( 2 ) Does Caliber Homes have in there records a " Certificate of Incumbency '', Corporate Resolution, Power of Attorney, etc. for this person regardless of who they worked for at the time and dates in question? ( 3 ) Will Caliber Home Loans, Inc. forward that information to me ASAP?
|
| 11/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I applied for a conventional loan with Caliber Home Loans. Then the loan officer advised me I do not qualify for a conventional loan since i had a foreclosure on my record. She tried to force me in accepting an FHA Loan. I spoke to the loan officer to let her know the payments were beyond my budget and she did not want to deny the loan. Since, I did not trust her explanation of why she wasn't denying my loan, I emailed her requesting her to deny my loan. She responded with an email with other mortgage payment options and not acknowledging my request to deny my loan. I emailed her supervisor and he responded by calling me. I explained to him what has transpired and he said he was going to look at my file and get back to me the next day. He has not gotten back to me as of XX/XX/22.
I sent another email XX/XX/22 directly to my realtor and the loan officer requesting to cancel my contract and refund my deposit. I specifically used the verbiage " I would like to exercise my contractual rights '' and " please issue a release and cancellation immediately '' under the contract 's financing section : If Buyer is unable to obtain loan approval within the loan approval period, or can not timely meet the terms of loan approval, all after the exercise of good faith and diligent effort, buyer may terminate this contract ... ... .....
I received a " Release and Cancellation of Contract for sale '' on XX/XX/22 evening. It was signed immediately and Im awaiting seller 's signature to be finalized.
|
| 12/22/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I had always been able to make my mortgage payments and pay my other bills on time until I lost my job and invested in a business that failed a few years ago. Both of these events caused me tremendous finance loss and I fell behind on my mortgage. My mortgage loan was recently transferred from XXXX to Caliber Home Loans. I recently found out that I apparently was offered two loan modifications by XXXX. This is news to me, as I would have happily agreed to them had I known about the offers. Unfortunately, XXXX never sent me the offers or contacted me and, thus I was unaware that there were options to correct my deficiency. I have overcome my financial difficulties and I am currently in a very good position financially and will be for the foreseeable future. When I became delinquent on my mortgage, I didnt know at the time that I could reach out to my mortgage servicer and receive mortgage assistance, as the thought never entered my mind and I was busy with other things in my life. After taking a look into this, it appears that they should have reached out to me or sent me documentation advising that I had options to get my loan caught up. If so, this would have been resolved a long time ago, but I never had a single point of contact or any other action that would have saved my home from going through foreclosure. I unfortunately was forced to protect my assets legally by filing for bankruptcy, but this is a temporary solution and I need Caliber to work with me so solve my delinquency.
|
| 07/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
I refinanced my home with Caliber Home Loans in XXXX.
Due to issues with them paying my taxes late and making me pay the late fees and interest, I contacted them several times to cancel my escrow account using the procedure and forms they required. They denied the request. They always say that the " anticipate '' larger amounts will be required for future taxes and insurance coverage. I began paying my taxes and insurance payments in XXXX to prevent them from continuing the mistakes of the past. ( I have the receipts. ) To call them is a live nightmare, referring always to a customer service number with lots of suggested extensions but none of them applicable, or those who are unable to assist or answer the questions.
I have called many times and written several letters to get them to stop the escrow inclusion in my payments, sending them by faxes. I never receive a reply, except twice recently which was not expected and left no person, office, place, or extension except the customer service one. They have told me many times that it has been sent to the " escalations management department '' and I should receive a phone call in 7-10 business days and they have never even called or given me information on how to contact them.
I have threatened them with applying to your office for help and legal proceedings. To no avail.
They have paid my taxes on property of mine not connected to the mortgage.
The increases to escrow has raised my monthly payment from {$1000.00} to {$1800.00}.
|
| 12/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I am the mortgagee on a mortgage held by Caliber Home Loans. I requested a mortgage verification via my account portal on XX/XX/2021 for the purpose of having the mortgage financed by another mortgage company. I requested that the mortgage verification be emailed to me. I was told via phone that the verification would be forthcoming within 48 hours. I received nothing so I recontacted Caliber via my account portal on XX/XX/XXXX. I did not receive a response so I called them on XXXX XXXX was told that they could provide the verification via phone and to have the other mortgage company contact them. They followed up with a response via my account portal on XX/XX/XXXX that their representative addressed my concerns on XX/XX/XXXX. I requested that the mortgage verification be sent to me via email so I would have it in writing. I still received nothing. I had told them that this request was time sensitive on XX/XX/XXXX as the mortgage was being refinanced and the new mortgage company needed the verification. I received a response on XX/XX/XXXX saying that my request was being referred and that it could take up to 30 days for processing. In the meantime, the other mortgage company dropped the application due to not receiving the mortgage verification from Caliber. This is unacceptable and appears to be a way for Caliber Home Loans mortgage to impede my effort to refinance or to have the. mortgage financed by a company other than Caliber. My payments with Caliber have always been timely.
|
| 04/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I was on forbearance due to the eviction moratorium and tenants not paying rent. I ended that forbearance in XXXX of 2021 and Caliber Home loans began dragging their feet for approximately 8 months. Finally, they sent out a modification packet at the beginning of XXXX which I signed and notarized the same day and sent back. Afterwhich, I heard nothing. Today, two months later, I received a phone call saying there was an issue with one signature and its been in a holding pattern and has to be reworked. I asked specifically what was wrong they did not know. I asked when the new packet would come back to me, they did not know. I asked to speak to a supervisor, there were none available. I asked to speak to an underwriter, there were none available. I asked to speak to the processor who flagged it whose desk it is sitting on for XXXX months, and I was told that she is unresponsive to their internal communications. I have no idea what is happening and Caliber Home loans doesn't either. I have been unable to refinance my primary residence due to Caliber dragging their feet on this and now rates have gone up significantly. Their actions have affected me financially in a destructive way. Caliber does not care for the home owner and certainly doesn't care enough to notify me when an issue arises nor do they care to resolve it. I have never had such a horrible experience with a company in my entire life. They are clearly too big and the right hand does not know what the left hand is doing.
|
| 07/05/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
The Foreclosure sale date is scheduled for tomorrow XXXX XXXX, 2016. Caliber Home Loans told me that I had up until 15 days before the sale date to submit all the documents to be considered for a modification review. I hired a law firm to help me, XXXX XXXX XXXX. The law firm submitted all the documents prior to the 15 days ( and also Caliber had the extra 5 days for them to be uploaded ).
Based upon the law firm communication, the law firm submitted all the documents in time ( prior to the 15 days ) and it was acknowledged that Caliber received them. Now the day before the sale date, Caliber is saying that they did not receive all the documents. Now they are saying that all the documents should have been in 37 days prior to the foreclosure sale date. Caliber contradicted themselves by first saying 15 days and now saying 37 days prior to the sale date. Is this an illegal foreclosure. Also as shown on a previously filed complaint, Caliber did not tell me the XXXX XXXX guidelines.
The attorney advised me that I could file bankruptcy. Caliber switched telling me their rules about the number of days that the modification package had to be in. They told me 15 days and now they are saying there is a 37 day rule. This is another example of Caliber Home Loans giving conflicting information as well as incomplete and incorrect information. Caliber does not provide all the information that is needed to help the homeowner in a timely basis. Inconsistent and incorrect information is wrong.
|
| 01/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I sold my property with a closing date of XX/XX/2022. The loan was paid in full and I had an escrow balance of roughly {$3800.00} which was verified by Caliber Home Loans, who held the original mortgage. I did not receive the escrow disbursement within the required 20 days so on XX/XX/2022 I called Caliber to inquire. I was told that it was an error with the address and yes it should have been sent and was {$3800.00} just give it a few more days. Call next week if not there. On XX/XX/2022 I still had not received and called again. This time I spoke with XXXX ( employee code XXXX ). She profusely apologized and said she could tell from the notes there was a mess up and the funds were still in escrow and she had no idea what was wrong. Told me she would expedite to a manager and I would get a call with resolution no later than Wednesday ( XX/XX/2022 ). On Thursday XX/XX/2022 I still have no call back from anyone from Caliber much less a manager. I spoke with XXXX ( sp? ) employee code : XXXX. She again told me she can see all the notes and that there is still {$3800.00} in escrow due to me and not sure why this wasn't resolved. I again asked for a manager however all I could get was a promise someone would call back, probably a manager, immediately. My escrow refund is now over 20 days past due according to RESPA and the contract and I am having no luck getting my refund as promised processed to me. I have made XXXX contacts and still no response and would be willing to resolve.
|
| 12/03/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) is a debt collection law firm. XXXX XXXX harassed me regarding a mortgage debt I did not owe to their client. Their client, Caliber Home Loans, Inc., is a debt collection agency and Servicer for XXXX XXXX XXXX XXXXt ( XXXX XXXX ). XXXX XXXX is not registered with the Texas XXXX of XXXX and per the Attorney for the XXXX XXXX XXXX can not do business and/or enter into litigation in Texas or XXXX XXXX I invoked my Homestead Protection Act Instrument in XX/XX/XXXX with XXXX XXXX, ( XXXX XXXX XXXX ) because of XXXX XXXX, HSBC Holding PLC Adjudication Agreement with XXXX XXXX DOJ for Money Laundering and Other Financial Crimes dated XX/XX/XXXX. My homestead was protected from seizure and/or sale because of the felony crimes that XXXX XXXX XXXX XXXX A felon can not profit from a XXXX. XXXX XXXX ( XXXX XXXX ) entered into a Consent Agreement in XXXX in which all home owners were compensated for the threat to sue and initiating Foreclosure during that period. XXXX paid {$190000.00} to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX which should have been sent to me. On XX/XX/XXXX, XXXX XXXX XXXX from the XXXX XXXX sent me a letter which stated I had a zero balance and the file was closed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, confirmed in an email that my XXXX XXXX account had a XXXX XXXXlance as of XX/XX/XXXX. XXXX XXXX employee said that XXXX XXXX reinstated the debt the same day. Please see XXXX XXXX XXXX XXXX file submitted on this site.
|
| 02/18/2016 |
Yes |
|
- Settlement process and costs
|
|
Web |
Servicemember |
|
I contacted Caliber Home Loans last week & asked them to send me a copy of my original mortgage note. Upon my 1st call on XXXX/XXXX/16, I was told that it would take a month to be received. I spoke to my legal council, was told that I was provided false information, & encouraged to call them to escalate the concern. By XXXX/XXXX/16, I had a manager on the phone who tried telling me the same month time frame, but I shared with her the statues & laws they were breaking by not providing me a copy of my mortgage note upon my immediate request. Notes were then made on my account that I would finally receive my mortgage note by tonight ( XXXX/XXXX/16 ). Needless to say, I still did n't receive my info & as such, I escalated my concern with Caliber to XXXX, badge number XXXX, & was told that " no one '' knew why I did n't have my mortgage note by now. He then told me that I could have it faxed to me & in reply I said that the manager from last week told me that Caliber COULD N'T send me a fax -- another company contradiction. XXXX could n't provide an explanation for this & he has yet to send me a fax copy of my mortgage note.
Caliber Home Loans ' inability to provide me a mortgage note in a timely manner, per their advisements, is negatively impacting my ability to do a refinance on my home. And if I am not able to complete my refinance as scheduled, I intent on holding Caliber responsible, legally & monetarily, to the fullest extent that local, state, & federal laws will allow.
|
| 01/09/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
On Tuesday XX/XX/XXXX, my husband and I both received multiple Docusign emails from Caliber Home Loans labeled " Mortgage Loan Disclosures from Caliber Home Loans, Inc. ''. We could not open these disclosures because they required a password. Neither my husband nor I have a loan application in with Caliber Home loans so disclosures are cause for concern. I used the phone number in the docusing email to call and discuss the issue. The phone number doesn't work. I responded to the customer service email address saying I don't have a loan application in and I have concerns about the docusign. I have attempted to use every customer service phone number I can find and can not get a person on the phone. I also submitted a customer inquiry through the website. The customer service response was " Please provide your loan number and/or address so we can assist. '' I have replied, yet again, that I can't provide a loan number or address because I don't have a loan application in with Caliber Home Loans. I have concerns that Caliber Home Loans isn't protecting consumers, myself included, by not having adequate fraud detection and prevention measures in place. I am concernd that a fraudulent loan has been taken out in my name and I can't get anyone on the phone to discuss it.
PLEASE NOTE - I am required to enter an address in order to submit a complaint, but I DO NOT HAVE A LOAN so the address entered is my current home address and is NOT connected to the potential fraud in question.
|
| 02/11/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
In XXXX of XXXX I was making payments under a modification yet I was denied by XXXX XXXX XXXX, citing that I had not mailed back the modification packet. They immediately proceeded with a foreclosure that occurred that same month. After investigating the facts they found that they had not mailed me the documents they were requesting and proceeded to rescind the foreclosure. At the same time the loan had been transferred to a new servicer, Caliber Home Loans. XXXX stayed in closed communication and in early XXXX XXXX I spoke with the trustee who said the rescission had been completed, I further verified it with the new bank as the loan had gone from the XXXX department, who was in the process of an eviction, to the reqular servicing department.
I was told by XXXX that I 'd have to start the modification process all over, since the previous modification had not been fully executed.
I contacted Caliber to obtain copies of the XXXX application to apply and was told what was needed and where to submit it. As I am completing the application, I receive a Notice of Trustee 's sale from Caliber with a sale date scheduled for XXXX XXXX, XXXX.
They have never called me or reached out to me, I began the communications and told them I 'd send in the loan mod application. They have n't given me an opportunity to apply for the loan mod.
I would like to keep my home and be reviewed for a loan modification and be offered something similar or better than what was received from XXXX.
|
| 07/03/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have filed a suit against XXXX XXXX concerning my home. The note and mortgage was cancelled in XXXX of XXXX. XXXX XXXX seven years later tried to claim the note. I have filed complaints against them several times with your agency ( CFPB ). Since then I found out between the months of XXXX and XXXX of XXXX. They filed foreclosure against me and in return I filed a suit that is pending. Around XXXX of XXXX, XXXX XXXX claim they sold the note to XXXX XXXX XXXX. I also filed a complaint with your agency ( CFPB ) against them also. During my suit I requested Temporary Restraining Order ( TRO ) until we could solve our disputes. They then removed my case from District Court to Federal Court around XX/XX/XXXX. I requested a TRO with the Federal Court but It was less than a week before the foreclosure and I had to file Chapter XXXX Bankruptcy. My case is still pending, but while the issues of this suit is still active XXXX XXXX XXXXXXXX sold the note to Caliber Home loans. I have filed around five Qualified Written Request to put them on notice that I do not have a contract with them and my note and mortgage is cancelled.
I now believe all of the Servicers of this ghost loan is defrauding me. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and Caliber Home Loans.
I am now filing this complaint against Caliber Home Loans, because of Mortgage XXXX and Fraudulent conveyances. I have no contract with them and owe them nothing. They continue to harass me and violate the RESPA rules.
|
| 04/02/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
On XX/XX/XXXX XXXX assisted me to pay {$1100.00} mortgage to CALIBER HOME LOANS due to my financial hardship.
On XX/XX/XXXX, since I did not know when " XXXX '' can pay my mortgage on my behalf in XX/XX/XXXX back then, to avoid penalty, I also paid {$1100.00}.
Because of this incident, I ended up pay XXXX mortgage payments for the XX/XX/XXXX, so I called and spoke to a customer service rep. at CALIBER HOME LOANS around XX/XX/XXXX and asked her to apply my XX/XX/XXXX payment of {$1100.00} the full amount as principal to my loan account without charge me any of interests, as it was my extra payment for the year XX/XX/XXXX. She agreed, and she told me that our conversation was recorded, and said that she took care of it already. I asked for a confirmation, she said no need to have confirmation, I should see it on my FOMR XXXX of the year XX/XX/XXXX.
However, when I received FORM XXXX for the year XX/XX/XXXX, I found out that Caliber Home Loans did not apply my XX/XX/XXXX extra payment to principal ; but to charge interests against it as well. Thus, I called on XX/XX/XXXX to verify with a customer Rep. her name is XXXX. She was very rude, and told me that Caliber Home Loans would never re-adjust my loan nor to refund me the wrong charges of the interests on my XX/XX/XXXX extra payment of XX/XX/XXXX. I asked to speak to her manager, she hand up on me. Then when I called back, the phone just keep on routing to others, I was unable to reach to their manager for this matter.
|
| 12/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have a mortgage with Caliber Home Loans - XXXX moved in XXXX of this year and provided the bank my new address. They changed my escrow payment in XXXX and my payment adjusted due to that. I have my payment on auto pay and when they rec 'd the XX/XX/XXXX payment it was short by XXXX ; the bank stated they sent me a late notice but they sent it to my old address and I never rec 'd. I called in on XX/XX/XXXX and spoke to many of their service reps that will not adjust the negative credit reporting. They never called me or sent me a late notice alerting me that my credit would be impacted due to a late payment. I am sure many people have their escrow adjusted and have issues with their first payment. I have never been late on this mortgage or any mortgages in my entire life. I asked them to make and adjustment and they will not. They did not provide me any written notice before impacting my credit. I happened to be checking my credit report this last weekend and notice the negative 30 day late- they would have done the same in XXXX had I not called them. They never attempted to call or send me any letters. I made the additional payment due today to make the loan fully current and changed my auto pay to ensure XXXX is correct. They are violating FCDPA and UDAP by not providing me any notice that my loan was delinquent and impacting my near perfect XXXX XXXX - I had a XXXX score before and now I am a XXXX. This is not acceptable for their error and needs to be fixed!
XXXX
|
| 10/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have 2 mortgages with Caliber Home Loans. I pay extra on my mortgage every month that is to be applied to the principal. However, Caliber doesn't apply the extra to my principal. I have made multiple calls, wrote a letter and let them know in surveys I have taken. I received no response to my letter ( letter attached ). When I call every month, they say they will fix it but has you can see from screenshot attached it just makes a mess out of my online account sheet and I can't determine what has actually been done. I have paid an extra {$2000.00} every month this year that was supposed to be applied to principal. I don't see where this has been done each month. The last representative I talked with last week said she would send me a detailed account statement, I have not received it.
I didn't have this problem with Caliber Home Loans until I refinanced my mortgages last year. The one solution I received was to put in my bank information into their online website and they would pull the funds directly from my bank account. I have always paid my bills through my bank 's bill-pay system and prefer this method. Due to security reasons I will not put my banking information into online sites and give a company access to pull funds out of my personal accounts.
I have consistently paid {$2700.00} each month. That's {$710.00} Mortgage payment + {$2000.00} principal. If you look at the screenshot of my account statement you will see that it hasn't been processed correctly.
|
| 01/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I closed on my new home on XX/XX/2020. The lender is Caliber Home Loans, and the Title Agency is XXXX XXXX. This complaint is only about Caliber Home Loans.
A few hours after I closed, I received a call from the title company, informing me that there was a mistake on my final closing disclosure that Caliber had prepared and that was used to determine the amount of cash I owed at closing. Specifically, a mistake was made ( and not caught prior to closing ) regarding the amount of property taxes that were credited to me ( and against the seller ). I therefore was asked to send additional money to the title agency to cover the mistake, but the title agency could only give me an estimate of the amount I was owed. To be safe, I sent the title agency extra money while we awaited the updated closing disclosure statement from Caliber Home Loans. The title agency has already agreed to refund me the excess between what I have deposited with them and what is actually owed.
However, despite multiple requests from both the title agency and from me to Caliber Home Loans ( via phone and email ), Caliber has still not provided to either the title agency or me a copy of the revised/corrected closing disclosure statement. Consequently, I have thousands of dollars being held by the title agent while we wait for this simple disclosure statement to be sent over.
There is simply no excuse for Calibers original mistake or continued failure to provide the corrected statement to us.
|
| 05/26/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I sent the following letter to Caliber on XX/XX/XXXX without a reply. Prior to the letter I attempted to call customer support and was put on hold until the call was terminated. In addition, I sent 2 messages via the secure messaging system at Caliber 's website on XXXX and XX/XX/XXXX with no response prior to sending this letter. I have not received a reply to any of my communications.
The extra payment has been partially credited to principal and it looks like partially held in escrow. My wish is to use the extra payment as an extra payment so I can skip one months payment rather than have it credited to principal and " cash '' XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX XXXX XXXX XX/XX/XXXX Caliber Home Loans , Inc .
XXXX XXXX XXXXXXXX XXXX XXXX, OK XXXX XXXX : loan XXXX Dear XXXX XXXX, My loans have been double billed.
My loan was sold to you. I made my payment for XXXX to you and my account was still debited by XXXX resulting in my paying twice for the month of XXXX. The loan numbers and amounts are as follows.
XXXX {$1700.00} XXXX XXXX XXXX XXXX, XXXX XXXX Or XXXX This represents an over payment of {$1700.00} and as you can imagine is a hardship for me to bear this overpayment. I would like the extra payment to be applied to next months payment. I would like to skip my payment for one month and have the extra payment applied to XXXX.
I contacted you twice via secure messaging at the Caliber website, with no reply..
RSVP Sincerely yours, XXXX XXXX
|
| 03/16/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I have a mortgage with Caliber Home Loans. I'm a XXXX Veteran. I was granted significant property tax relief from the District of XXXX in XXXX of XXXX, which reduced my property taxes by roughly {$1700.00} at the time.
XXXX did my annual escrow analysis in XX/XX/XXXX, and it failed to capture my newly reduced taxes. They also overpaid my taxes by ~ {$1700.00} in XX/XX/XXXX The incorrect escrow analysis triggered an escrow shortage, which raised my monthly payment by {$300.00} starting in XX/XX/XXXX.
I complained about the tax problem multiple times on the phone, and sent emails via their internal messaging system between XX/XX/XXXX and today. I provided them with a copy of my current tax bill from the city of XXXX in XX/XX/XXXX, and they finally agreed to run a new escrow analysis, which I got back today The new analysis shows they still have not gotten the tax information right. The new analysis shows me paying an extra ~ {$3300.00} in taxes over the course of XXXX ( payments in XXXX and XXXX ) that I do not owe. This is on top of the {$1700.00} overpaid in XXXX, and no one can tell me where that money went.
My actual tax bill due this month ( XXXX ) is {$1400.00}, and the same will be due in XX/XX/XXXX. My escrow analysis shows they're paying the city {$3100.00} in XXXX, and the same amount again in XXXX. That's more than twice the amount I actually owe PLEASE HELP. I can't afford to keep paying an extra {$300.00} per month for taxes that I don't owe.
|
| 04/24/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX.
XXXX, Ca. XXXX To whom it ma concern, My name is XXXX XXXX and iam writnig this letter for assistane with my morgate company Caliber Home Loans account number XXXX, and the way they have been providing me questionable services.
Over the past year Ive been trying to get my Mortgage company to explain why i was charged a fee of XXXX on XXXX for fees of XXXX motion for relief which i dont even under stand i never agreed to pay for through Caliber Home Loans, especially since i was represented by my own attorney from the begging of my bancrupcy, My bankruptcy was discharged on XX/XX/XXXX and closed on XX/XX/XXXX. on my bankruptcy my home mortgage was filled as retained and claimed as exempt during the whole process of my bankruptcy i was reassured by my attorney that my bankruptcy process was going well, through the whole process. therefor i would have even needed the assistance of Caliber Home Loans.
As for the other issue I have had the hardest time with Caliber Home Loans trying to get a monthly statement for verification purposes since XX/XX/XXXX. i have made many calls, emails, and fax requesting a recent monthly statement. Even before my need for a statement i contacted caliber home loans to make sure everything was okay with my account and through the whole time I was assured it was, but now i came to find out that i needed to make a written request this whole time. And in even making the request in different formats I have be
|
| 04/12/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Older American, Servicemember |
|
Caliber home loan has not operated nor practice the federal and state guidelines concerning our mortgage modification. Since XX/XX/XXXX of XXXX we have submitted loan modification application and paperwork time with the assistance of a housing counseling XXXX XXXX.
The property was tax except since XX/XX/XXXX due to me being a Veteran And a First Responder from the World Trade Center.
] A. This information was provided to them in late XXXX B. There was numerous communication to change the mortgage payment and they never adjustment.
C. XXXX had submitted the modification request for a lower payment in addition to removing the taxes on the house.
D. Caliber waited until the eviction mandate had lifted and filled paperwork by XX/XX/XXXX th to have our house up in sheriff sale. Our XXXX representative had submitted the paperwork and was told that the loan modification department is working from home and has been backed up for some months and is currently updating the system. but this did not stop them from trying to put our house up for sale. We later receive mail that they received our application and currently reviewing it. Our Biggest problem is that the amount that is listed as owed is about XXXX dollars more than the actual amount. They had calculated the payment of what is owed with the taxes included. Caliber was supposed to notify the sheriff and their third party to remove the house for the sale but currently it is still listed with a sale date
|
| 06/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Servicemember |
|
Back in XX/XX/XXXX I did not receive a pay check on XX/XX/XXXX due to contractual agreement between XXXX XXXX XXXX and XXXX XXXX XXXX. Ive been employed with XXXX XXXX XXXX as a XXXX XXXX XXXX for the last eight years and never experienced this process before. This caused me to fall behind in my finances. I asked Caliber Home Loans to remove the two 30- days late mark from my Credit Report with all three agencies and they said no.
In XX/XX/XXXX I became ill with a XXXX XXXX in my XXXX and XXXX that caused me to be out of work for over thirty days which two and half weeks I was laid up in bed. As a XXXX we only get a certain amount of Sick Days and with me being out for more than thirty days I did not have enough sick days to cover my absence causing me not to get paid for 11 days. I asked Caliber Home loans to remove the 30- days late mark from my Credit Report with all three agencies and they said no.
As a retired XXXX Veteran and a XXXX XXXX I understand the importance of having outstanding credit and I have been practice just that. I have never been late or my mortgage or any other bills in over nine and half years. I have provided documentation for your review to consider waiving my late marks on my credit report. Lastly, I am in the process in putting my last child through college who was accepted to XXXX XXXX and the banks are giving me a hard time because of my credit score being effected by the three late marks.
Respectfully, XXXX XXXX XXXX
|
| 09/02/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I recently contacted our mortgage lender to initiate a loss mitigation application to see if our loan would qualify for a modification. As of XXXX XXXX, 2016 all requested documentation was uploaded to their document portal and they have informed me the request will be reviewed within 30 days.
I received a letter, dated XXXX XXXX, 2016 that states Caliber Home Loans is transferring our mortgage to XXXX XXXX XXXX, effective XXXX XXXX, 2016.
I just finished yet another telephone call, expressing my concerns for the loan being transferred while the loss mitigation/modification request are in the middle of review.
I fear our loan is going to slip through the cracks. We do n't want to lose our home of 17 years because our voice was not spoken loud enough. I need this company to pay attention to the issues being addressed. Currently, I feel as though we are another loan being sold, another number on the books and we are at jeopardy of losing our home due to this companies oversight/negligence.
At the beginning of this process, I did contact XXXX. They referred me back to the lender, stating if there is anything at all that could be done, any government program we would qualify for, Caliber Home Loans would know about it.
After working with this company for the past few months and especially after receiving notice of the transfer, I do not feel as though they are trying to help whatsoever and just want to pass the buck to the next lender.
Please help.
|
| 11/07/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I was in the process of refi, and my rep with cailber home loans and i filled all paperwork out and was approved. My rep informed me to not send my monthly payment in, as with the new closing we would have a few months till we needed to pay. We never missed a payment til this happened but my rep either quit or got fired, and a new rep texted me a few weeks later saying the refi was in default as my previous rep didnt complete his end. He said i need to pay that last month as again it didnt fully go through. This now made my payment seem late even though the rep informed me not to pay it. I was now expected to make two morgage payments on the same week, which i informed them i couldnt pay XXXX in one week as we also had a death in the family. I then recieve a letter that we were denied bc my credit was hit with a late payment and it knocked my credit by 52pts. I fully caught up and paid all to get current. But my credit was hit due to bad advise from a company/rep we trusted. Its our first house and we are unaware of how this all works its making us second guess our decision to buy the house and work with a company that hasnt even stated they were sorry for what happened. They said i can wait til my credit comes back up, which will take a long time ... .i would appreicate if i can get my credit back to what is was so we can just refi with another company. We have never felt so left, and no solution. Im hoping this site can help us with this odd situation.
|
| 10/05/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Caliber Home Loans has not specifically responded to 24 C.F.R. 1024.35 subsections ( XXXX ) Any other error relating to the servicing of a borrower 's mortgage loan and ( XXXX ) Response to notice of error and the ( XXXX ) Investigation and response requirements.
The Assignment of Mortgage filed in the Office of the City Register of the City of XXXX on XXXX XXXX, XXXX, is without legal authority.
On XXXX XXXX, XXXX XXXX was [ XXXX ] ot licensed or registered to operate in the State of New York according to the New York State of Department of Financial Services ( DFS ) whom can be reached for this verification at ( XXXX ) XXXX ( Monday through Friday, XXXX to XXXX ).
XXXX and XXXX XXXX Mortgage, LTD did [ XXXX ] ot exist on XXXX XXXX, XXXX and XXXX XXXX was [ XXXX ] ot an employee ( Assistant Secretary ) of Mortgage Electronic Registrations Systems, Inc ( MERS ) on that date. MERS is a XXXX with no employees.
XXXX XXXX was also showing to be an employee ( Assistant Vice President ) of XXXX XXXX XXXX on the same exact date of XXXX XXXX, XXXX.
XXXX Mortgage, XXXX publicly went out of business as per its Chapter XXXX liquidation filing under its bankruptcy. XXXX, XXXX also went out of business in the year XXXX.
Additionally, XXXX XXXX also signed Assignment of Mortgages as an ( Assistant Secretary ) for XXXX XXXX XXXX XXXX Mortgage Corporation on XXXX XXXX, XXXX despite the fact XXXX XXXX XXXX XXXX publicly went out of business in the year XXXX.
|
| 05/27/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
CONSUMER FINANCIAL PROTECTION BUREAU CALIBER HOME LOANS, et al. XXXX XXXX XXXX XXXX XXXX , OK XXXX XXXX : Payments mis-applied to the Principal of my alleged loan number XXXX with them. Dear Sirs, This is another Qualified Written Request ( QWR ) pursuant to Section 6 o f RESPA ( 12 USC 2605 ), for CALIBER HOME LOANS, regarding their alleged loan number : XXXX , in reply to their recent letters. They refuse to answer questions regarding the balance of my loan which according to them is {>= $1,000,000}. I absolutely dispute this amount since I have been making all payments to my original Account Number : XXXX with XXXX XXXX since XXXX , when the original balance was {$310000.00} on XX/XX/XXXX They refuse to send me an accurate payment history with all payments applied correctly to Principal as agreed in the contract and Loan Documents. The refuse to send me a signed copy of all loan documents regarding the loan modification. Please forward this letter to them as soon as possible since we are in the process of disputing all their claims i n Federal Court, Bankruptcy Number : XXXX , filed in the Central District of California over 1 year ago now, on XXXX XXXX XXXX They have also breached the BK by filing a notice of trustee sale on the title of my property on XXXX XXXX XXXX and are presently in contempt of Court. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX
|
| 04/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XX/XX/XXXX I filed a CFPB complaint on Caliber Home Loans , Inc. to investigate why I received a 30 late payment on my credit report. The claim was not corrected and this 30 day late payment should not be on my credit report. Therefore, I am refiling a CFPB and respectfully requesting that Caliber Home Loans , Inc., pull all phone records wherein you will find that I was told by the representative that there would not be a late payment reported on my credit report. I submitted all of the required documents pursuant to the website check list and I received a letter on XX/XX/XXXX stating they would offer me an opportunity to enter into the FHA HAMP program. I had to contact Caliber in writing by XX/XX/XXXX. I sent all of the documentation on XX/XX/XXXX. In order to accept this offer I also had to make a payment by XX/XX/XXXX, however I made my first payment earlier than that on XX/XX/XXXX. I entered into this program, I followed all of their instructions including when to pay, and I was told I wouldnt have another payment for two months. However, I am on auto draft and they were suppose to take out my payment according to their new schedule. They didn't apply a payment to the correct date and now Im being reported late on my credit report. Late for XXXX and XXXX, 2018. These were the two months that I was suppose to be entered into this program and I was told I didnt have to make a payment. This incorrect reporting is harming my credit score.
|
| 04/07/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I paid my property taxes on time until I refinanced my home. My mortgage was refinanced by XXXX in XXXX where I am a resident. I paid prorated taxes to XXXX and I have documentation as proof which also contains that on top of the existing amount I pay per month, I also put the amount of my property taxes into an escrow of the company which is how it gets paid afterwards. A month later ( end of XX/XX/XXXX ) the loan was purchased by Caliber Home Loans , Inc. ( Corporate Office : XXXX XXXX XXXX, XXXX, TX XXXX ). I have been making payments promptly and on top of that I have been submitting additional payments towards my principal. Today, I received a delinquency notice from the XXXX County Treasurer, that I owe property taxes for the current year ( which where Caliber Home Loans Inc. has been the responsible party ). I called their department and I was told that they will do an investigation but WILL NOT call me back about this and basically left me on my own. They have been taking money out of my payments since XX/XX/XXXX and fail paying the property taxes THEY ARE responsible for, leaving me with penalties. Please enforce the applicable laws against such company. Took my money, do n't pay what they are mandated to pay by law and furthermore stated that they will not even keep me posted on this which will essentially allows the county to post the delinquent property address ( and its owner ) in the local newspapers. Thank you and XXXX Bless!
|
| 01/25/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
To prevent the borrower ( XXXX XXXX XXXX ) from taking advantage of his rights and prevent a notice of default being issued and putting me at risk of losing my home in foreclosure, the lender and/or the lenders agent have committed the following illegal acts and violations.1. " In violation of Section 6 of the .... ( RESPA ), under Section 6 of RESPA, lender did not acknowledge my timely request within 20 business days. " Lender DID NOT and HAVE NOT acknowledge my timely request to date, long past the period required by the Act, to take advantage of my rights and prevent a notice of default being issued and putting me at risk of losing my home in foreclosure.2. The lender violated XXXX XXXX, when he and his authorized agent ( same as above ), committed perjury under the laws of the state of Washington, when they stated, under penalty of perjury, that he " the beneficiary or beneficiary 's authorized agent has exercised due diligence to contact borrower, ( me ), as required in XXXX XXXX ( XXXX ) and the borrower did not respond ''. Lender ( XXXX XXXX XXXX ) DID TIMELY RESPOND, to take advantage of my rights and prevent a notice of default being issued and putting me at risk of losing my home in foreclosure.3. In violation of XXXX XXXX, the lender and/or his authorized agent illegally filed a NOTICE OF DEFAULT. Attached are copies of BORROWER 'S proofs that the lender and lender 's authorized agent did commit the illegal acts stated above.
|
| 04/19/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Mortgage Loan Number : XXXX XXXX Case Number : XXXX I am writing to request correction of the error described below in regard to the mortgage on my property at XXXX XXXX XXXX XXXX FL XXXX. I was a victim of Hurricane Maria and live in XXXX County Florida which was declared a disaster zone. I missed work due to the storm and received a letter from Caliber Home loans regarding payment assistance options. I opted to take advantage of this program due to the loss I suffered in income and damages from the storm. It is my hope that someone can assist me to remedy the awful situation that has ensued.
On XX/XX/XXXX I received a letter which is attached that unequivocally states that I was approved for a Forbearance Plan without any further information or documentation needed from you ( me ). As ofXX/XX/XXXXI have been notified that the Forbearance plan aforementioned was actually not approved and my loan is now delinquent and could be foreclosed. This attached letter was misleading and deceptive and has caused me great distress in my life. I am currently XXXX and the stress and anxiety associated with your incompetence in handling this matter is causing me great personal grief.
In addition, I am divorced from the co-borrower XXXX XXXX and have been awarded the home in the divorce. This is recorded on public record. No information from him will be given to the lender.
I have reluctantly filled out paperwork for modification. Please help.
|
| 08/10/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Hi, Please help!!! The HAF program paid my past due balance of XXXX and additional 3 months of advance mortgage payments {$5700.00} totaling {$41000.00} on my behalf on XX/XX/2022 and the funds have yet to be posted to my account. Meanwhile my home is to be foreclosed on XX/XX/2022! Like so many times in the past Ive called just to seek different options to regain my loan, I get tossed around from representative after representatives only to end the call without answers.
Im hoping with this email someone will help locate and apply the funds so I can regain my home and end these sleepless past six months.
Like thousands of others, I was impacted by XXXX and could no longer pay mortgage. Caliber home loan offered me a forbearance, being desperate I took it not knowing how it would hurt me. Since XX/XX/2022 Ive been trying to regain my mortgage due to so much misinformation and so much redlining my home went into foreclosure. Despite submitting every request Caliber home loan asked of me ( 2 loss mitigation packages ).
Ive attached the payment details from HAF detailing what was disbursed. Ive also confirmed with my other hosing expenses utility company confirmed receiving {$190.00} and my water company confirmed receipt of {$110.00}. I find it very suspicious Caliber can not find {$41000.00}. Perhaps someone look in the suspense account and if theres a shortage I will pay it!
We need to find {$41000.00} and apply asap please.
|
| 01/25/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I applied for a modification in XX/XX/XXXX due to the loss of a domestic partner that contributed to bills and was denied. They requested I be placed on a repayment/forebearance plan. My regular payments at the time were $ XXXX/mo. They approved repayment at {$2100.00} for five months to cover arrears and I would be current. Obviously, if I cant pay {$970.00}, I definitely cant pay over 2x that amount. Being defeated, I tried once again in XXXX, XXXX. After numerous calls with no updates or communication, I was denied again because the date on the application was older than 30 days ( it had been in underwriting with a complete package for the majority of this time ). By the time I was able to respond, it was too late. Fast forward to XX/XX/XXXX when I was advised I had a complete package. Ive called about 7 times to check the status only to be advised it was still in underwriting. They refuse to provide me any details around what steps have been taken nor whether theyd need any updated information and to call back in a week. In the meantime, the application is reaching that 30 day mark. Im sick of dealing with this company. I keep getting the runaround and am in great risk of foreclosure on my home. I will have no place to live. I need some transparency into this process. I know there have been class action lawsuits against this company because of their failure to follow due dilligence when people are struggling to keep their home.
|
| 12/19/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I took out a home loan for {$310000.00} in XXXX. I have received documents from XXXX XXXX XXXX XXXX XXXX in California apparently representing XXXX XXXX XXXX as a Trusee for an XXXX Master Participation Trust that look fraudulent and they have blacked out all the loans numbers which lead me to believe they are fraudulent. They claim the loan is now serviced by Caliber Home Loans but I have still not received an accurate payment history. I wrote the Attorneys the following letter and they have yet to reply. Hello XXXX, My name is XXXX XXXX and I filed a Chapter XXXX BK to protect my home on XXXX XXXX, XXXX, and an automatic stay is pending since it that date. The group of companies you represent filed a Notice of Default ( NOD ) three days later on XXXX XXXX, XXXX. I spoke with them and they said it was an error, that they were sorry, and that they would correct it immediately. It has still not been corrected and expunged from Title as agreed. Also, many of the documents you have filed in the BK are fraudulent, and the Loan Numbers have all been blacked out? I would like to know why? Also, your running totals are totally and absolutely wrong and I have requested a running total balance of payments accounting since the loan was originated in XXXX and am still waiting for it. I would also like to confirm with you that you are debt collectors attempting to collect a debt and therefore subject to the FDCPA. I attach these documents.
|
| 11/13/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
After I obtained my Mortgage with Caliber Home Loans I filled out an application to withdraw my payment on a certain day of the month. My first application I filled out was for the XXXX of the month because that's when I got paid. It was approved, however, they started to automatically withdraw a couple of days before the XXXX of each month. In XX/XX/2018 I contacted my loan processor XXXX to which she suggested that since my check didn't come in to my bank until the XXXX, to redo the application to reflect the XXXX of each month. The Mortgage company approved the payment deduction to reflect a XXXX date of the XXXX of each month. In XX/XX/XXXX I contacted my loan processor again and at that time, she contacted Caliber to which they replied that there was nothing wrong on their end and suggested that I contact my financial institution. I called my bank and the CFO to ask the procedure to which she replied that they do NOT take out payments early, they take them out when the debit it submitted. Since XX/XX/XXXX, Caliber has taken my payment early and I cant seem to get a response to find out why, although they did call me to talk about refi programs. I do not understand if you give someone the option to make a payment on a certain date then take it out as you please then why offer it in the first place. When it comes time to refi, I may have to question whether or not I will go with a company that wont stand by what they offer.
|
| 10/10/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
For the past 4 years I have been trying to get a modification. About 3 years ago the loan was assigned to Caliber Home Loans. XX/XX/XXXX I was a approved for a Trial Period Plan for 3 months, XXXX payment due XX/XX/XXXX in the amount of {$1500.00} ; the last payment under the trial plan was due XXXX XXXX. I continued to make monthly payments as I was waiting for the final paperwork for the modification. XX/XX/XXXX I received a letter stating that I was not eligible for the modification because I did not accept the offer, which is not true as I never received the documents. XX/XX/XXXX, received another letter in which they returned my payment for the month of XXXX. I did call Caliber Home Loans XX/XX/XXXX asking for an explanation and details, and I was told that there was nothing to explain since letters were sent out. In the meantime, I received a foreclosure letter from XXXX XXXX XXXX dated XX/XX/XXXX stating that my property is going to be foreclosed XX/XX/XXXX. I am looking for some help, as I do not want to lose my property in which I have owned XX/XX/XXXX. Caliber not once, helped me or has made any effort to take into consideration my hardship. The currently interest rate is 8.250 %, and an adjustable as well. I can not afford to take any chances as the rate can go as high as 14.250 %. Any help I can get would be greatly appreciated. Attached is all the necessary paperwork to support my complaint.
Regards, XXXX XXXX
|
| 03/23/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Older American, Servicemember |
|
The Single Point of Contact Department for Caliber Home Loans , Inc., located at XXXX XXXX XXXX XXXX XXXX, Ok. I applied for a modification on my loan XX/XX/2020 due to illness ( XXXX XXXX ), they denied me due to my income. I am a XXXX XXXX XXXX with my daughter, XXXX XXXX, who is a XXXX XXXX XXXX with XXXX XXXX. We do XXXX XXXX XXXX XXXX, we have a XXXX XXXX on the XXXX which we should net $ 80K plus upon XXXX. I did an appeal requesting an extension until I sell the XXXX and will be able to catch up my mortgage, approximately $ 20K, I haven't made a payment in 5 months XXXX XXXX, back on XXXX which my daughter is my Care Taker and have not had time to dedicate to XXXX XXXX due to helping me. Now that I am settled and doing better she is back to work.
I filled for a Modification XX/XX/2020 and was denied due to my Income. I filed an Appeal in XX/XX/2020, they denied me again sending me the same denial letter stating not enough income. I sent them a copy of the proposed buyer contract showing the figures at Settlement. When settle I will have more than enough to catch up my mortgage and keep it up, my daughter will be helping support me. I don't think the Single Point of Contact Department Team even read my supporting material I sent. It is obvious I will have enough to catch up my mortgage and keep it current, all I am asking for is a little time so I can go to Settlement. Thanks for your time and consideration.
|
| 11/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have been making all my payments to mortgage company ( Caliber Home Loan ) on time, that includes Escrow ( tax, insurance etc. ). Recently I have been informed by my insurance provider ( XXXX ) that my mortgage company has not made any payments to insurance provider. XXXX has canceled my insurance and are not ready to reinstate the policy. I called Caliber four times in last three days between XXXX XX/XX/XXXX to XX/XX/2020 ). I was told by mortgage company representative ( on XX/XX/2020 ) that they will call insurance provider and will make overnight payment to reinstate policy. I called mortgage company again today two times and asked about the status on their discussion with XXXX. I asked them to connect me with a supervisor to resolve the issue. No supervisor was available and I was asked to leave a voicemail. I left the voicemail and requested mortgage company manager to call me back to resolve and close the issue. No called receive so far.
My home is uninsured at the moment and XXXX has served me a collection notice. They are not ready to renew my policy. I have been suffering due to mortgage company 's ignorance on not making payments to insurance provider. There is no delay from me on my mortgage payments and all my dues are clear till date, still I'm facing this issue of non-payments to insurance company. Mortgage company is suggesting me to get new policy with other provider, which will increase my payment.
|
| 02/23/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I have requested confirmation information from the servicer twice by calling and twice by emailing. Email takes over a week to respond, and I have not received answers from the customer service representatives over the phone.
My questions are simple regarding what is required of me to ensure my PMI is removed from my mortgage payment. I have a 30 year FHA loan that closed XX/XX/XXXX as a refinance from an original FHA loan that closed in XX/XX/XXXX. My original purchase was a short sale with an appraised value sale price of {$260000.00}.
I have asked the lender to confirm that {$200000.00} would be considered 78 % of my original LTV and thus my mortgage insurance will be removed if my loan balance is below that amount after 5 years has passed since my refinance. I also asked them to confirm what would be the first eligible payment date where my mortgage insurance could be removed.
I have received incorrect information that my PMI can not be removed until XX/XX/XXXX. I have received canned responses regarding the automatic removal of PMI once the loan has reached 78 % LTV and five years of PMI payment. I simply can not get them to answer what dollar amount they show would be considered 78 % LTV and what date they would consider five years of PMI payments.
I'm simply trying to confirm they have the correct information to assure my PMI may be removed as soon as possible when I'm eligible.
Thank you for your help.
|
| 06/27/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I was just told by a manager at Caliber Home Loans, that despite being negatively impacted by COVID-19 ( death in my household from COVID-19, laid off from work due to COVID-19, and assuming on the responsibilities of a dependent due to the death of one parent due to COVID-19 and the other by XXXX ) and turning in my request for a loan modification, I will still lose my home. I was told earlier today by another representative that my modification request was received and that the foreclosure would be postponed. Also, the day that the foreclosure notice ( XX/XX/22 ) was posted, I was emailed a modification application to which I completed and returned. The manager that I just spoke to said that the the application should not have been sent. Despite other representatives telling me that I qualify for hardship assistance, the manager is insistent that there is no one else that I can speak to, the decision rests with her and that there is not enough time to stop the foreclosure, despite it being over a week away and despite my application for assistance that I am told I am entitled to by having an FHA loan has been received by Caliber Home Loans. If I lose my home, I and my young cousin who also resides in the home ( who recently attempted suicide three times and is barely coping with the loss of her parents ) will be irreparably harmed and homeless. I am working now and could stay in my home with a hardship modification.
|
| 08/24/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Caliber Home Loans included an invalid XXXX tax ( XXXX ) into my XXXX/XXXX/XXXX escrow analysis. This tax was not included in my XXXX analysis by XXXX. My mortgage was sold to Caliber by XXXX in late XXXX. According to Caliber this added tax caused an increase in my yearly escrow payment from XXXX XXXX X XXXX XXXX XXXX to XXXX XXXX X XXXX XXXX to XXXX. This is a yearly increase of XXXX. I ca n't believe that adding in this bogus amount of XXXX caused an increase in my escrow of XXXX plus I would have a carryover balance of XXXX. So now the total increase is XXXX, XXXX My monthly mortgage payment will increase from XXXX a month to XXXX per month. In my opinion this is borderline fraud. I have talked to XXXX Caliber representatives and I was told that it would take from XXXX to 30 business days to remove the XXXX. No one could tell me why my escrow had incurred such a huge increase. My monthly escrow should have remained at XXXX, since there was no increase in my XXXX taxes and insurance. As of XXXX XXXX, XXXX my mortgage statement shows an escrow balance of XXXX, with a XXXX escrow payment of XXXX to be collected and a tax payment of XXXX to be disbursed, also in late XXXX. This should leave a balance of a plus XXXX going into my new XXXX escrow year. During the XXXX XXXX - XXXX escrow year, my escrow account did not reach a minus balance. And this company is increasing my monthly escrow payment from XXXX to XXXX.
|
| 01/21/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
My loan was transferred to XXXX XXXX XXXX XXXX as trustee for XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is the servicer of the loan. I sent my XXXX XXXX payment to Caliber Home Loans, the previous lender, because I wasn't aware the loan had been transferred. The new lender claimed non receipt of these funds from previous lender. As a result, I supplied the new lender with proof of payment, as well proof and date the check was cashed by former lender, in the hopes that my payment would be applied correctly. Nevertheless, the new lender insisted upon payment of the already paid funds and, by the time I sent a duplicative payment to the new lender, proceedings to pre-foreclose had been initiated by the new lender, my duplicate payment was sent back to me, and I was being requested to pay 3 months mortgage to avoid foreclosure. I did make the payments and my account became current by the end of XX/XX/XXXX. I did not get my duplicate payment returned to me by the former lender nor has it been applied to current loan. I nevertheless submitted my mtg. payment for XXXX XXXX via, certified funds and overnight express mail on XXXX, XXXX. USPS confirmed delivery was made on XXXX XXXX, XXXX to XXXX XXXX but my account has not been credited for this payment. Additionally, a late charge for XXXX XXXX mtg. was assessed by XXXX XXXX who claimed they didn't receive the XXXX mtg. payment. Thank you for your assistance with this matter.
|
| 05/31/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
XXXX bought home for XXXX. Taxes doubled from previous home owner. I paid back taxes. I refinanced in end of XXXX. I explained to individual who was performing refinance that my taxes were not right and he assured me they were. My payment for mortgage was at XXXX give air take a few dollars. Now in XXXX of this year I received a notice from caliber home loans that my taxes went up and I had a {$2700.00} escrow shortage and my payments were going to be XXXX now. Thats a {$400.00} difference a month. I explained to them I informed the individual performing the refinance in XXXX that my taxes were wrong and he assured me they were not. Now I have been late the last two payments and as of today late on the 3rd. They are unwilling to help me out in any way. They told me to call the VA about getting the loan modified but when I called the VA they said it is not there decision and to call caliber and have them try to help me. I have tried to get help with this since i got the notice but have been unsuccessful. I am the sole provider for my family and make under XXXX a year right now. I had no issues paying the XXXX a month but going up XXXX a month on a mistake by them I am struggling really bad. I have had to use a credit card to pay for certain things. My credit was up at XXXX XXXX right before the late payments and now it is at XXXX and probably going to drop below that because I will have to pay past 30 days again.
|
| 02/02/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Im writing to you today hoping you can stop the bank from taking the house Ive called my home for the last 55 years. I had hoped my grandchildren will be able to enjoy it as their parents did before them, and my parents did before me.
My troubles started back in XX/XX/2011, when I was diagnosed with XXXX XXXX. This is a XXXX of the XXXX near the back of my XXXX. The condition results in something worse than XXXX that can leave me XXXX XXXX XXXX for two or three weeks at a time. Not able to work, my daughter helped as best she could but it looked like we would need to sell. A I recovered and started being able to make money again, I approached the bank about getting caught up. It was my home, and Id do everything in my power to keep it.
I started working with my bank, but at some point during all of this, they sold my mortgage to XXXX. I approached this new bank. Everything seemed to be going great until I went to sign the modification promised me and I noticed the rate was much higher than what I had agreed to, at over 7 %. I continued to pay my bills while trying to fix this, but my mortgage was sold yet again, this time to Caliber.
I now tried to work with this bank. I explained my situation to them, as I did to XXXX. But they refused to uphold the agreement I had worked out before because I am XXXX. I turn XXXX this year! I am too young yet for social security but too old to looked at for most jobs.
|
| 08/16/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
XX/XX/2023, After talking with a mortgage company representative on the phone, per their instructions, I posted a signed letter + signed form on the mortgage company 's portal requesting closure of my escrow accounts ( taxes/insurance ).
XX/XX/2023, The mortgage company denied my request with with a response in the portal followed by a formal letter in the mail. They are denying my request because my XXXX is XXXX XXXX or greater. This is an error in their own recordkeeping data. The mortgage company cancelled the XXXX on my mortgage on XX/XX/2023, because my XXXX is calculated to be less than XXXX XXXX per an appraisal performed by a third party in XX/XX/2023.
XX/XX/2023, In a subsequent call to the mortgage company , the call center representative noticed that the mortgage company has not removed the XXXX indicator on my loan- though XXXX ended XXXX calendar days ago. The XXXX indicator is still present in their own system on my loan- erroneously -- and they are automatically denying my request to close my escrow accounts. This loan meets every single criteria for escrow closure i.e no late payments, no missed payments, not XXXX, XXXX below XXXX XXXX, etc., etc.
XX/XX/2023, I have called the mortgage company two times about this issue. I have posted multiple messages on the mortgage company 's portal indicating there is an error in their XXXX calculation. No one from the company will return my call.
|
| 02/08/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
In XXXX of XXXX I was approved for a loan modification after exiting the XXXX special forbearance. With the assistance of the CFPB and VA mortgage helpline, Caliber offered a loan modification. Some of the terms of the modification were that Caliber would submit to the VA a request for a partial claim payment, and offer an interest rate of 4.375 %. Despite processing the loan modification, Caliber has continued to refuse to accept online payments, and " lost '' several checks I sent in as payment. I have previously documented these issues with the CFPB, yet Caliber continues to refuse to offer an efficient and modern way to pay my mortgage.
In XX/XX/2022, servicing of my loan was transferred to XXXX. When the loan was transferred, Caliber failed to notify the new servicer of the partial claim payments, or any payments I had made on the mortgage, resulting in XXXX calculating an alleged debt of {$88000.00} as of this writing. I received a notice from a XXXX XXXX threatening foreclosure, despite the fact that I had requested XXXX and Caliber update the data regarding my mortgage in their respective systems.
Caliber has a long history of improper communication and failing to process payments and other loan documents as shown by my previous complaints, and Caliber 's responses, or rather lack thereof. I am pleased that my mortgage is no longer being serviced by them, but this final mistake may cost me my home.
|
| 06/21/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
The three main issues : ( 1 ) Mortgage payments for an ( XXXX ) loan taken out in 2006 do not appear to have been applied properly to the mortgage.
( 2 ) Homeside lending issued an XXXX mortgage and communicated they would aggregate the monthly payment into " XXXX '' payment request to us, and they would allocate across the XXXX loans. It appears that never happened as the 2nd mortgage looks like it never received a payment.
( 3 ) Post a serious delinquency during the financial crisis, we reinstated the loan thinking we were obviously reinstating XXXX loans ( XXXX / XXXX ). We have since learned only the first mortgage was reinstated, the 2nd charged off, the balance on the first has only dropped by {$10000.00} over the past 10 years although we have made over {$100000.00} in payments to the various mortgage companies & banks that have owned our loans, and the balance for the 2nd is reporting the same as the original 2nd loan amount.
Please note : These loans were with Homeside Lending, then XXXX went to XXXX XXXX XXXX, then to XXXX. Currently the 1st mortgage is with XXXX and XXXX placed the 2nd mortgage with another company. We did not have the original mortgage documents but were able to provide documents from the courts to substantiate the loans which includes the lenders name, loan number, and dates. We have also provided a copy of the credit report which shows the balances quoted in this complaint.
|
| 11/12/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I had recently put in a complaint via your website because of some injustices that I feel had been going with my loan servicer, Caliber Home Loans. Previously my file was not being reviewed properly or was getting dropped out of review because Caliber claimed that I was not sending in documents, when in fact I had been. In addition, Caliber has been running a duel process of having my file in review along with active foreclosure sale dates, which I have been told in California is not legal to do. I recently was declined again XX/XX/XXXX, due to low income, so I resent a new application showing over a 40 % increase in income ( I am self employed so my income can increase significantly ) XX/XX/XXXX and last week I was told that my sale date was on hold and that my file was in review. Today, XXXX/XXXX/15, I call for another update and have been told that my file was declined on XXXX/XXXX/15, only XXXX days after I emailed my documents and that my sale date is now on for XXXX/XXXX/15. I spoke to the rep and they told me that they used an income of over {$7400.00} against only {$5500.00} in debts. How is it that my debts are excessive if this is the case. I have also expressed that I am willing to take a higher payment than my previous payment because I just want to get back on track. I do not have enough to bring my loan current and I keep getting told that they can not modify my loan because I already have 2 %.
|
| 07/23/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
Hello, I was affected by Covid-19 and never missed a payments on my mortgage before Covid. I am currently running 2mths behind & applied for assistance with my mortgage company Caliber Home Loans. I request consideration under the Cares Act. I wanted the 2 missing payment be put at the end of my loan or extend my maturity by the 2 months. They approved a trial plan XX/XX/20 on my loan increasing my payment from $ XXXX w/interest rate 2.875 % to {$2000.00} & appx 3.25 % interest rate. A modification should be in the best interest of the borrower, lowering the payment to help during these uncertain times, not give a borrower unfavorable terms. I called Caliber and spoke with XXXX # XXXX to review this. She was unsure of why the increase as well. I asked to speak w/ a supervisor & they refused to take my call. XXXX relayed a message from the supervisor- My approval is based on the going interest rate. Well I keep up with the rate and the current rate at that time was below 2.98 % for conventional loan and today 's prime rate is 3.01 % ( ( VA rates are lower ) ). So this was a lie and they are giving out false information to borrowers just to get you off the phone. I let the agent know this info was incorrect. XXXX told me I can just reject it & pay then ( ( WOW ) ). I do reject the trial offer increasing my payment & interest rate! Caliber 's SPOC unit is unsatisfactory, especially during these horrible times.
|
| 02/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have zero missed payments in the lifetime of my loan, I have no liens on my home, my LTV was at 80 % as of XX/XX/XXXX.
When asked how to remove PMI, my loan servicer sent me a form in XXXX which precluded me from asking to remove PMI based upon the original value of my property - instead, they forced me to choose to request PMI removal based upon the current value of the property. This second option has criteria which are much more difficult to satisfy and my request was denied based upon those criteria.
To request removal based upon the original value of the home is what is described in the Homeowners Protection Act and I have no way of choosing that option with my servicer.
I am unable to reach or be transferred to the PMI department at my loan servicer, and despite having sent them a written request for PMI removal which they received XX/XX/XXXX - it wasn't until XX/XX/XXXX that they addressed the removal request and informed me that I was denied because they won't verify the value of my home without an accurate listing of recent structural improvements ( I paid them {$150.00} for a BPO appraisal which they now refuse to do without that listing ). They falsely claim that they contacted me and I did not reach back out. They are out of compliance with their own timelines for responding to a PMI removal request per the HPA, XXXX XXXX, and their own assertions in the PMI removal form they sent me.
|
| 09/02/2015 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
Beginning the house buying process we were pre-approved with this lender. After finding a property and having our offer accepted, our lender, we thought, started the paperwork. During the month between the offer and closing, our loan consultant changed jobs XXXX times. Being our first home, we did n't know what to expect and our agent assured us consultants change jobs a lot. Our consultant did n't ask for much documentation after gathering the essentials in the beginning. Our appraisal was done late, on our part. Our consultant assured us she would get everything rushed. The day after the proposed closing date, the consultant started to ask for more income and credit based documents. She also was no longer reachable by phone, our agent could n't even get in touch with her. After submitting income-verifying documents, she attempted a Rapid Re-score to get the credit score from a XXXX to a XXXX. In the process she actually lowered the score to a XXXX! She also then blamed the drop on something else. At the end of being completely frustrated we saw the XXXX inquires she put on our credit. We inquired with her first company, to see if they could straighten out the mess. She then informs us, by email, that they might could help us. So she basically figured she could stall the process and in the meantime our credit score would go up the XXXX points. All the while not keeping us up to date and being illusive.
|
| 02/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Problems with Caliber Home Loans For the past two years, I have been trying to get my account straightened out. Every month, I receive a notice from Caliber that says I late with my payments and owe money.
I called on no less than five ( 5 ) occasions in XXXX, only to be told it would get straightened out in XX/XX/XXXX with my escrow analysis. They sent me a refund for {$670.00} and then followed up right again with my payment vouchers showing I am a month behind in payments.
During XXXX and XXXX, I have shown them in several email and phone correspondence ( s ) that my records match their records as far as payments being made. The problem is they are not showing them as payments, they are showing them as cash received or curtailment with payment and therefore getting allocated to some place that they cant explain.
In XXXX, I paid {$13000.00} in total to Caliber which exceeds the monthly bills they sent to me. So how am behind, late with payments and still owe money.
I finally sent all correspondence again in XX/XX/XXXX and received a one sentence response that I am behind in payments.
When I tried to recontact them by email, there is always an error message When I contact them by phone, I go through ten minutes of their messages than get an agent who puts me on hold and then drops the call. When I ask for a manager, they tell me one will call within 24 to 48 hours, I have never received a call.
|
| 07/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have 3 mortgages with Caliber Home Loans, XXXX XXXX XXXX XXXX, OK XXXX.
The website and telephone system is unfriendly to me as a consumer, and difficult to navigate. I've tried several times to set up my payments as biweekly ACH autopay, and have been unable to do this because their system requires that I am ahead 2 months in my payments, AND that the next payment is due. So there is a narrow window of a few days in which to accomplish this, ( both after I've paid and after I wait until the next payment is due. ) This can only happen if I pay online, with an extra charge for online payment, and its still difficult times correctly.
Whether an account is on ACH autopay is not reflected anywhere on my printed statements, or in any of the account details on the account website. ( Autopay accounts I have with other companies will say on the statement " Do Not Pay - Auto Pay. ) The only way I can check this is to telephone a representative and ask. There is always a very long wait through many prompts before I can speak to a representative, and the Caliber phone system is only available Mon-Fri XXXX to XXXX XXXX, Central time, inconvenient for me, as I live on the west coast.
When I finally get to a representative, they are always helpful and professional, but the Caliber Company has not invested in a user friendly website, which would probably actually save them money in fewer calls to their reps.
|
| 03/07/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
On XX/XX/XXXX, I communicated with my Loan Officer, XXXX XXXX of Caliber Home Loans.
We talked about locking the rate for the loan and we both agreed to lock it for 45 days at 4/05 % and I requested a lock rate confirmation from him.
I did not get any lock confirmation from him so I called him several times and he did not answer the calls. I emailed him again on XX/XX/XXXX asking for my rate lock. He finally answered my phone calls and said he was just busy and he would send the lock confirmation.
A few days later, I get some disclosure documents from him showing that my rate was locked at 4.05 % but on a 30 day lock. In effect he gambled on my rate and waited more than 2 weeks to lock my loan.
What XXXX did was dishonest, unethical, irresponsible and dangerous. I think it is also ILLEGAL. A shorter rate lock period is cheaper than a longer rate lock period. If we had locked the lock on XX/XX/XXXX for 30 days I could have gotten 4 % or better. On the other hand with today 's volatility, if he had waited a week or two more, I could have lost the rate we agreed on and we would be talking of a much higher rate I have emailed his bosses but have not received a reply from them.
This kind of practice should not be tolerated and XXXX XXXX should be held accountable for his actions.
I would appreciate your prompt action on this matter.
Thank You XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX
|
| 03/24/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Caliber home Loans violated The Real Estate Settlement Procedures Act of 1974 ( 12 USC 2601 ) ( RESPA ), together with HUDs Regulation X ( 24 CFR 3500 ), AND Louisiana RS 13:3852 Notices of Seizure as an official NOTICE of violation of Mennonite Notice for notification, AND sold a lot they had no fiduciary right to sell based on a contract and property description they acquired from XXXX XXXX.
In Louisiana, the civil law, unlike the common law, has always rejected the notion of " creditor self-help. '' The harshness of common law " self-help '' remedies has been tempered by the United States Supreme Court decisions that use procedural due process to prevent a creditor from permanently depriving an owner of property without notice and a chance to raise objections to the proceeding. Caliber sold a property without properly notifying me, in addition, made the buyer unaware that the home they foreclosed on was on ONE OF TWO LOTS. The second lot was not a part on ANY contract entered into with XXXX XXXX ( as can be proven by my contract with an original lot description ) As the owner of the property secured on Account number XXXX, I was never contacted as to the seizure of the property at XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX..And the current " owner '' has been made to believe they own the adjacent lot. I am looking to take possession of this lot immediately through settlement or juris prudence.
|
| 03/10/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
On XX/XX/XXXX I had XXXX soon after I started having complications. I was off work for 2 months. During this time my XX/XX/XXXX company called to inform me that they were going to be fighting me on my claim. So knowing that I wasn't going to get paid I called my mortgage company in XX/XX/XXXX they informed me they have programs to help me. I told them I would keep them updated. I was able to make my XX/XX/XXXX payment. XX/XX/XXXX came still no money from my XXXX company and now all my bills are piling up and my medical bills are way more then I can handle. I called my mortgage company for help. I applied for a hardship turned in everything they asked for. As of yesterday XX/XX/XXXX I still hadn't heard from them so I called they informed me that they denied my hardship. I asked them why they said because they didn't think with me being off work for 2 months due to my medical condition with no pay is a hardship. I'm a single mother of XXXX daughter 's my income is all we have. Please help me I don't want to lose our home. I'm only 1 month behind and they won't work with me. I've called HUD but they can't help because I don't have a FHA loan the hope program just did was had me call a counseling program. My XXXX company still won't give me any info and now it's going on 4 months. If I could just get my XXXX money then I wouldn't be in this situation. Please help me. Your my last chance. Thank you.
|
| 10/17/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
1. XXXX XXXX, XXXX we received a trial modification from this servicers attorney @ XXXX XXXX in XXXX XXXX, FL attached are 3 pages. We made the 3 trial payments on which the principal balance was {$400000.00} however the escrow was miscalculated using force placed insurance amounts i have removed this force placed coverage with new insurance the reduces PITI payment about $ XXXX. The first 2 pages were sent in with payment & the correct escrow calculation amounts noted in my handwriting, servicer & attorney refused to correct this matter.
2. XXXX XXXX, XXXX servicer has hired some new attorney XXXX XXXX in XXXX, Fl out of the blue to illegally change the previous agreed to modification above dated XXXX XXXX, XXXX increasing the principal balance some {$15000.00} while continuing to intentionally miscalculate the higher escrow amount & refusing to do anything to correct it. Attached is this 2nd document. This XXXX XXXX said to sign it or servicer told them to foreclose on us so we have been forced to sign this document knowing its wrong under pressure of foreclosure while plaintiff possess a proven forged original note & mortgage proven by forensic expert reports.
3. This home was affected by Hurricane Irma & servicer was advised. There is a federal FEMA forbearance order which declared the state of Florida a disaster zone yet this wrong forced modification says we MUST pay by XXXX lst or else.
|
| 04/08/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I submitted a partial payment via wire at XXXX and I have the receipts of the proof. I had to pay the remainder of my mortgage home payment to Caliber Home Loans, and none of the representatives told me I couldnt go through XXXX at the time. Caliber gave me their wire information with the account number and routing number with the financial institution they go through. I wired the payment through XXXX and somehow caliber has not received it. When their bank verified the payment was received. I went back to XXXX to get my funds refunded to me, and they wasnt able to do so. Caliber Home Loans reported to the credit bureaus I never made the payment even though I have the proof the payment was made by the XXXX to avoid negative credit reporting. I had to file a dispute with XXXX because it is on my credit. Keep in mind, the year of 2022, some representatives will take partial payments over the phone, and others wont. Ive had to argue with them about taking my payment over the phone. Some are rude about it & wont even check my status of past partial payments Ive submitted to them via phone. I have several times requested I speak to a supervisor, more times than I can count on this issue. They refuse to transfer me or they will not have them return my call. I have the print out of receipts that I have submitted the funds before the XXXX. To this day Caliber is saying they have not received my payment.
|
| 02/13/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My property taxes decreased from approx. $ XXXX to approx. $ XXXX. I called XXXX customer service on XX/XX/XXXX to ask that my escrow account be re-calculated, my monthly payment refigured before my next payment due date of XX/XX/XXXX and any excess money in my escrow account refunded to me promptly. The agent advised me to submit a request via the message center on the XXXX website. I did this the same day - XX/XX/XXXX. Shortly after I received a text message ( see attached ) confirming my email message was received. As of today ( XX/XX/XXXX ) I had not received any other response. So, I called the customer service center again ( the escrow/tax department @ ( XXXX ) XXXX ). The agent I spoke to said they had NO RECORD of my email communication! He also stated they would review my escrow account in XX/XX/XXXX/XX/XX/XXXX. I am requesting my escrow account/property taxes be reviewed and adjusted immediately. The agent was unwilling to do that. I asked to speak to his supervisor and he stated there was no supervisor available. My new monthly pay will be approx. {$290.00} LESS than it currently is and I am also due a refund for excess money being held in escrow. I submitted my original request on XX/XX/XXXX and am asking my new payment be reconfigured before my XX/XX/XXXX payment due date and excess escrow funds be dispersed to me promptly. Thank you for your attention to this frustrating situation.
|
| 11/10/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I am a home owner who has fell on hard times and unable to make my payments on my home mortgage. I am trying to do the right thing and apply for a Short Sale. I have provided all requirements for the short sale including a qualified buyer. My home is in need of many repairs and located in an area that is predominately lower class rental properties. We have a buyer for my home and submitted to my lender for approval, but my lender will not negotiate. They have advised, " This particular investor has a strategy that is not value based. Caliber is the servicer of this asset. The owner of this asset determines the amount of loss they are willing to take and when they are willing to take that loss ''. My Realtor has showed me that my home is only worth around {$70000.00} and the investor behind my loan will only accept {$100000.00}. My Realtor has explained that due to the repairs, location and sold comparables, there is no way I can sell my home for {$100000.00}. I am at a loss of what to do and it does n't seem like the investor behind the loan is willing to give me a fair chance at selling my home for what it is truly worth. I have requested a copy of an appraisal and they again advised that the counter offer is not based off any particular value and just what the investor is willing to take. There has to be another option or some way to be able to sell my home for what the home is actually worth.
|
| 05/23/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I contacted XXXX XXXX XXXX # XXXX regarding a mortgage. I explained to him from our initial conversation that I previously had a short sale and wanted to know if I would still be eligible for a mortgage, he proceeded to ask me for personal information and replied that there would be no problem in getting me approved. I disclosed to him that I wanted to buy the same house I previously owned, he stated that would n't be a problem. He provided a pre-approval and had me complete and signed disclosures. One week prior to closing and after paying for inspection/appraisal and attorney fees he called me and stated it could n't be done. We started to look again for another house, found one and he said that now we would n't have an issue ( all supported by emails, text and conversations with my attorney ). Again I paid for inspection, appraisal and he came back almost 2 months later stating he was asking for an exception and needed additional documentation. I was told by his previous employer XXXX XXXX XXXX that this was not the 1st time he did this to a client which is why they were in the process of firing him before he left. He is now at Caliber Home Loans, he is deceptive and treated me unfairly. He should not be allowed to work in this line of business as I am sure I am not an isolated case.Having me incur over {$3000.00} in expenses in addition to time and XXXX clearly demonstrates he is unethical.
|
| 01/26/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Crux of issue : XXXX calliber did not receive my proof of insurance. Somehow XXXX years later they assessed {$4000.00} to my escrow and evoked a payment though my insurance company. Escrow ballooned and so did payment..not to my knowledge. Additionally Caliber did an inaccurate tax forecast that ultimately needed to be corrected that contributed additionally to the inflated monthly payment. When I was able to connect with Caliber Customer service ( they had called several times but left NO messages ) It took XXXX calls and XXXX days for customer service to clearly state what the issue was. Reps who said they would call back never did. Their esrow department could not explain why there was huge spike in escrow, each representative had a different story. Ultimately Caliber held my on-time payments, did not post them to my account and did not return my checks to me ... and most importantly they did not apply my payments to my account. For the two months ( XX/XX/XXXX ) that this was being resolved they reported me late 30 days. I called and wrote them to review, I also disputed through XXXX. They denied my requests to remove the XXXX 30 day lates from my credit report.
XXXX I contI was told by customer service that XXXX said that because it was reported late in the system she can not change it. Seems unreasonable Other - Payment was made on time ... caliber help my $ $ 's and did not return them
|
| 12/05/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
My husband lost 2 jobs this year one from XXXX his XXXX XXXX at his employment, found a new job and was diagnosed with XXXX XXXX XXXX and then fired from that job, before we were 60 days behind on our mortgage we called Caliber home loans about our situation the informed us there was nothing that could be done until we were 90 days past due at which time then filled the foreclosure, we have filled out many loss mitigations and have been denied everytime. We never received another phone conference after our second was canceled due to calibers attorneys rescheduling. We also havent received a judgment on the foreclosure date from the courts only from Calibers attorneys and a card from XXXX county sheriff sales. We are about to be homeless with our children. We were working with XXXX XXXX from hud XXXX she never returned any of our emails and she was the one handling our case, supposedly working with the judge and the attorneys from Caliber. Assuming she has gotten our information from the courts and not allowing us the chance to fight for our home. Due to these neglected actions my family is now being effected and going to be homeless. We cant afford an attorney and nobody seems to wan na help, legal aid refuses to help even know they cant find a judgement on the sale date in our case look up they claim that the case has already made a judgement even though it was ever properly given to us.
|
| 07/07/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
A family member passed away and in order to keep the house I assumed the mortgage from their spouse through a formal " mortgage assumption '' provided by Caliber Home Loans. After approval of the mortgage assumption, the closing process was completed XX/XX/XXXX. My family has since moved into the house. During the closing process the loan officer at Caliber went on vacation. One week after closing I began to reach out to Caliber every few days via email and phone to get a method of payment such as a statement or login and also to confirm the transfer of ownership was complete. Several weeks later I was told the former loan officer was no longer with the company and that the file is being reviewed. Caliber Home Loans has NOT contacted me with a timeline or any communication to resolve the situation. The mortgage is now over 30 days past due because they refuse to acknowledge and provide the transfer of ownership. As a result, my family is not associated with the account and they are not accepting payment. A VP at Caliber even contacted the ex-owner about having a negative balance. Caliber Home Loans wo n't refund the escrow or provide the lien release to the ex-owner despite the assumption process and closing taking place. This is causing an incredible amount of stress on everyone. If Caliber does n't resolve this now, it could negatively affect the credit of both the ex-owner and my family.
|
| 02/17/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I am requesting with great dissolution, pain an anger a review of my financial documents for a work out plan that would be affordable.. I am XXXX and my hardship began XX/XX/XXXX when th e economic became horrific. The economy faltered and my business fell. This was the beginning of our struggles. The reduction of income and increased expenses. In the midst of the economy downfall our property taxes went up adding to our expenses. Shortly after I was XXXX. I was no longer able to perform to my job capacity after the accident as a XXXX. I am now recuperating and business is increasing slowly.
Our mortgage is upside down, the values around have taken from when we bought our property. Refinancing was and at this point is not an option. We have taken distinct steps to better our financial situation. We 've cut back our household budget, eliminating some debs and no credit cards. We heve provided to Caliber homes our financial documents asking for a modification with no success. We have just found out that our house has a sale day of XX/XX/XXXX. I am devastated it and asking for your assistance I want to maintain my home. It is not a palace but is the home that my wife and I have struggled for. All we are asking Caliber is to extended the terms, lowering the rate and adjust the principal balance will make our home definitely affordable and sustainable.
I hope, you all consider my request.
I
|
| 10/03/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
The lender is in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( ii ) due to actively proceeding to foreclosure sale set for XX/XX/XXXX ( Dual tracking ) while actively reviewing the file for loss mitigation ( loan modification ) review. The lender was sent a loss mitigation application on XX/XX/XXXX and again on XX/XX/XXXX - the lender stated they never received the application sent on XX/XX/XXXX - We were advised of missing docs for the review as of XX/XX/XXXX and provided the missing items for the review as of XX/XX/XXXX on XX/XX/XXXX they advised all information needed for this review was provided and the file was sent to underwriting - we called for an update to the review as of XX/XX/XXXX - we were advised at this time the file was active litigation and all correspondences need to go through XXXX Atty. Up until this date we were provided all information on this file - Nothing has changed on this file to deem it a litigation file - We feel the lender is stalling this review so the sale date can proceed - we contact the XXXX atty ( XXXX XXXX, XXXX / XXXX XXXX XXXX - XXXX ) - this XXXX advised they know nothing about the XXXX proceedings they handle litigation. No one will provide us with an update or a postponement of the XXXX sale set for XX/XX/XXXX - we feel the lender is not willing to work with the client and has failed to do a complete and accurate review of the file.
|
| 12/02/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX I received a respond from " Caliber Team '' who informed me that Caliber started " servicing '' of my alleged " loan '' on XX/XX/XXXX and that on XX/XX/XXXX the " servicing rights were released from Caliber and transferred to XXXX.
This information contradicts with all prior letters mailed to me by XXXX companies on Caliber 's letterheads where these XXXX companies ( servicers under CFPB Rules ) insisted that Caliber started servicing my " loan '' XXXX on XX/XX/XXXX, XXXX, This information contradicts with undated letter singed by " XXXX XXXX XXXX XXXX who claimed that " servicing '' of alleged loan was transferred to Caliber on XX/XX/XXXX, as Caliber 's loan XXXX.
I demand to verify which " loan '' was " serviced '' by Caliber - XXXX or XXXX ; who appointed Caliber as a Servicer, with the name of the company and names and contact information for the individual employees who hired Caliber as their Servicer and issued directions to Caliber 's individual employees.
I demand to verify when exactly Caliber started " servicing '' of my alleged " loan '' - XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX?
Name of the Company who received money allegedly collected from me by Caliber.
Name of the Company who GRANTED and who released servicing rights were released from Caliber and transferred to XXXX and the name of an individual employee who released Caliber 's " servicing rights ''
|
| 04/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Caliber Home Loans has failed to pay back overpayment held in escrow following the sale of a house in probate on XX/XX/2021, roughly {$4000.00}. The payoff quote from Caliber provided to me at the house sale commits to returning payment within 21 days.
The house is in XXXXXXXX Washington while I live in the XXXX XXXX. Within a day after closing ( on appx. XX/XX/XXXX XXXX, I called Caliber to give them my address in the XXXX XXXX to send the amount that was overpaid for taxes and insurance escrow ( they would not do bank transfer ). They took this information and said that I would receive payment in two weeks. When I did not receive the payment I called back at the end of XXXX, when they told me that the check was in the mail. I had not received payment by XX/XX/XXXX when I called again. This time they told me that the check had been sent to the house that was sold, which is a clear mistake. The third person that I spoke to put in two 'work orders ' to 1 ) override the requirement to only mail inside the US , and 2 ) resend a check to my correct address in the XXXX XXXX When I did not receive the check by XX/XX/XXXX, I called again ( and spoke with XXXX XXXX ) when I was told that they can not send the check outside the US. We arranged for them to send to my relative and I was told it would arrive at that address within 10 days. It has been 14, and still payment has not been received.
|
| 01/04/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
On XXXX XXXX, XXXX, I, and my former wife, XXXX XXXX XXXX, executed a contract for the purchase of a recreational vehicle in the State of XXXX. In XXXX, XXXX and I separated. As we proceeded towards divorce and a separation of assets, in XXXX the recreational vehicle was voluntarily returned to the finance company. No payments were made after the return of the vehicle. At no time did the finance company comply with XXXX laws regarding repossessions and serve the necessary pre- and post- repo notices, nor did it ever advise as to the disposition of the vehicle. However, in clear violation of XXXX law, Caliber Home Loan attempted to collect on this debt in XXXX. When I responded that they were far outside the statute of limitations, XXXX filed a XXXX with IRS. XXXX law is very clear that unless a finance company complies with all of the required notices, it is no longer in a position to collect on the deficiency balance. Caliber then stated that a payment was made in XXXX but that alleged payment is not listed anywhere in the account history provided to me by Caliber. Finally, Caliber mailed a statement stating " YOUR ACCOUNT HAS BEEN PAID IN FULL. '' When speaking to a representative of Caliber, I was informed that the account had been charged off and that no payments had been made. Further, this statement indicates that the recreational vehicle is now listed at an auction site in XXXX.
|
| 04/12/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
My mortgage is currently serviced by Caliber Home Loans ( CHL ), who took over servicing for XXXX ( XXXX ) on XXXX. XXXX adjusted our escrow account without notification, causing our normal monthly payments to fall short when paid. CHL then proceeded to forcefully lock us out of our home without warning, which is a clear violation of RESPA law. They hired XXXX ( XXXX ) to take this action and advised them not allow re-entry into the property. Then CHL proceeded with foreclosure action and set a sale date of XXXX, ultimately postponing it to XXXX. CHL has recently allowed re-entry in to the property, but during the lock out period the was severely vandalized XXXX see attached. Since the vandalism took place during the lock out period, the liability falls on CHL. CHL refused to take action the repairs and clean up needed, ultimately forcing us to file a personal insurance claim. The vandalism reached extremes when my pool fence was removed, leaving my swimming pool unprotected. This ultimately led to a serious fine from the city. I have sent a QWR and XXXX Demand to CHL, requesting that they prove up the validity of the debt. CHL has refused to respond to this request, stating that they are proceeding with foreclosure activity. Caliber has refused to take any action to remedy the current problems. I feel cheated and deceived by CHL, therefore I am seeking your assistance on this matter.
|
| 10/20/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I am paying my mortgage to Caliber Home Loans. I am a XXXX 's Hurricane '' XXXX Victim and was offered an special forbearance program by Caliber, where they allowed me not to pay rent for XXXX, XXXX and XXXX XXXX I could pay the escrow, it was fine if not no problem. I paid escrow for 2 months already.
I am trying to do a refinance in my home. XXXX weeks ago I paid a car loan and a credit card, in order to get my XXXX XXXX little higher and get a better negotiation.
my score was XXXX and today XXXX is XXXX.
I checked all my reports with XXXX XXXX XXXX XXXX XXXX and found out that I have Caliber homes as an adverse account.on all XXXX bureaus.
talked to them and said that this is something I have to deal with the credit bureaus, not with them???
WHEN they offered me that program, I asked if that was going to affect my credit and was told no.
I been receiving letters from their collection dept and called, just to make sure there was no problem and was told by XXXX people already that do not pay attention to that, because that was sent by a machine??.
I do not know what else to do, but I feel that they are discriminating against us.
I already filled a dispute with XXXX credit bureaus XXXX and XXXX XXXX. I probably will also file a complaint with the BBB IN XXXX. and XXXX I hope that you can help us with this situation.
IAppreciate the attention to this matter.
XXXX XXXX XXXX
|
| 09/18/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Can someone please explain to me why a Notification of Sale, from XXXX XXXX, in regards to XXXX vs. XXXX XXXX, at al., was included in a response to Case XXXX, page number XXXX, in upload ; XXXX. How exactly does this relate, to my complaint? Whom added it to my file? Why was it added? When was it added? Where was it added? What is location of employee, or representative, and identity of Caliber Rep, whom uploaded this to CFPB, please explain, in detail.
Did any representatives of your company/ and or investors related, place a bid by email or fax, on my home, previous to foreclosure sale scheduled for XXXX/XXXX/16? Did any representatives of your company/ or investors plan on placing a bid, by email or fax? Did your company/ and or investors related, inform XXXX and XXXX , of any such planned bids if so, what was amount? Please explain how, and why this is/ was done.
Has your company, or any of its affiliates, ever placed bids on foreclosed homes by email, or fax, in XXXX County?
Does Caliber, or any its representatives, bid on homes in which they have foreclosed on, by email, or fax? Does Caliber, or any of it representatives, bid on home 's foreclosed by fax, or email, in which other other lenders have foreclosed on? It is clear that XXXX, KY, solicits, and allows such bids. Please list other, municipalities that your company or representatives, have bid by fax, or email.
|
| 08/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I have a conventional loan with Caliber Home Loan. I have never been late or missed a payment. I began the process of refinance around XX/XX/XXXX. I submitted proof of income, 6 months in reserve using savings & retirement ( XXXX & Deferred comp ).
I spoke with 2 loan officers. 1 stated, I needed a PMI, 2nd officer stated I would not qualify for a refinance that would include paying off the 1 credit card balance ( XXXX ) I received a conditional letter of approval for an amount that I latter found out was for a refinance w/o out paying off the credit card, and the new monthly payments would only be a {$50.00} savings. Neither loan offers was aware that I received the conditional letter.
This is not my first mortgage experience with this organization, but this has been the Worst. Both officers provided contradictory responses.
I have been told that because my house value was not high enough over $ XXXX ) that I do not qualify because of my XXXX debt which is XXXX in under a Administrative forbearance.
I submitted proof that when the Administrative Forbearance is over my payments will not be 1 % of the loan ( $ XXXX ). My payment have Never been {$940.00}, I have always applied for a IDR.
This complaint is being written because of the confusion. When I initially applied for the refinance, it was because I received an email stating that there would be no lending fees.
|
| 06/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
1 ) I was sent an offer to get a {$100.00} gift card if I could find a better refi offer than theirs. I did but the refused to send me the card. I contacted them several time and never got the card. The person in charge said that she would send it but didn't. Everyone I talked to said that she is the only one that could do so.
2 ) Caliber Home Loans Sent me a check fo {$1600.00} but didn't tell me what it was for so I pu
t it into my saving account for my taxes and insurance. They made it very hard for me to contact them it took several calls and then you had to click several times to get to a person. I received a notice from the property tax office telling mr that my taxes were late and i received a fine for {$190.00} because Caliber didn't pat the balance with the check that they sent me or tell m they were due. I felt that they should have notified me that was a payment due and the check was t pat it or sent the payment.
3 ) For the past several year they have been sending me a request for a shortage fee. This year it was for {$530.00} other years it has been for {$300.00} or more. I have never had a mortgage company send me a short fee more than once in the pass XXXX years and i have had XXXX other companies that I have done business with. I feel that they nave not don't their business in a fair and professional manner. There have been several other issues with them.
|
| 10/26/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
XX/XX/XXXX I purchased a Townhome in XXXX, SC as a Veteran loan, which was financed by XXXX XXXX ( XXXX ). I satisfied all pre-qualifying requisites to include obtaining flood insurance beyond the general home insurance. After a couple of months, XXXX sold my mortgage to Caliber Home Loans. On XX/XX/XXXX, Caliber Home Loans notified me that they had deducted {$2700.00} to purchase comprehensive wind insurance on my behalf. Although I understand I can purchase my own wind insurance, I find this practice quite arbitrary since during the loan qualifying process, XXXX XXXX did not require it. Further when I contacted them, they stated I was not required to get this insurance and even attempted to contact Caliber Loans on my behalf ( See attached e-mail ). Caliber Loans chose to purchase my mortgage, not the other way around and they did so knowingly I had no wind insurance, which as previously stated I 'm not required to have. If Caliber Loans feels they need to further protect their investment as they have stated on their notice to me, then that is a financial expense that they need to afford themselves, instead of placing this added financial burden on my and my family. A consumer should not be subjected to new requirements every time a loan is sold to another financial institution. This is not a fair practice. I asked that they return the money they deducted from my escrow.
|
| 03/18/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
First, the Buyer needed a POA for his wife. We sent it to Calibur Home Loans for them to approve and complete with whatever requirements they have for a POA and make sure the names where what they were going to require. We sent a XXXX XXXX to the wife in Colorado at a cost of {$170.00}, we received it back Wednesday and now XXXX is saying it does not meet their Criteria. This loan should have closed at the end of XXXX, they are still not ready to close it ; however, they are going to lower the interest rate by XXXX today and say they do not have to Re-Disclose for that and that the wife is now going to have to sign in Colorado and that is another {$170.00} cost to the Borrower. We still do not have any documentation from them at all.
We also have another closing set with them for XXXX and the Buyer just got here we have no docs for that closing either, because they need to raise the Seller Concessions by {$1600.00} and that just came up today.
I do not understand how Lender 's especially Calibur is Disclosing and the people are not even approved for the Loan and we do not get the documents in time for their set Closing Time.
I thought the whole point of all the new CFPB Guidelines was to eliminate that kind of stress from Borrowers.
It has not accomplished XXXX thing for most borrower 's with this Lender especially.
This seems to be the normal way they do business.
|
| 02/03/2022 |
Yes |
|
|
|
Web |
Older American |
|
On XX/XX/2019 i was issued a Closing disclosure different from the one provided during the loan process, and was expected to close on the XXXX, ( the next day ). I have since found that to be compliant, i should have been presented this document three days before the closing. This may not be much of a big deal but my concern was at the time, and has continued to be the amount required to close. One document, page 1. states the closing cost should have been {$9900.00}, which included a mysterious ( other cost of {$2100.00} ) sprung on me at the last minute. This other cost is entered in line I of page 2, without any explanation, after many inquiries to the closing agent. The lender was not present at the closing, nor was the attorney, only a paralegal. To further add to the confusion, line D of page 2 states the total loan cost to be {$7600.00}, after subtracting my appraisal fee which was paid outside the closing in advance. To further add to this confusion, on page 3 in calculating cash to close. it confirms that i paid {$8500.00} in a deposit, and {$3000.00} in my down payment, which totals {$11000.00}. My primary concern/complaint is the {$2100.00} in " other cost '' and line 2. page 2 {$890.00} " comment '', the math doesn't add up. I think I'm due a refund, and possibly damages from this unfair and deceptive trade practice. I need an investigation into this matter.
|
| 11/05/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
We had a mortgage with XXXX and had difficulty paying due to daughters accident, and they offered us to apply for a modification from a phone representative, and said we pre qualified and we sent in all required documentation. And we were advised not to make payments on the file. Around XX/XX/XXXX we called to check status and they advised we were denied, but never got written confirmation, so we contacted an attorney, since they started the foreclosure process. We set up a mediation and attended and come to find out our loan was sold to Caliber, at this point me and the wife were in a separation of marriage, so she wanted to keep the house, we asked them if she could qualify on her own for a modification. She sent in all the required documentation again. This was around XX/XX/XXXX. Up to this point today our attorney still has n't received any written confirmation from the bank, and per law we should have received an acknowledgement letter within a few days confirming such. All she wants to do is keep the house under a modified payment that could be reasonable to her budget. I know some banks even process or approve a Principal Reduction type of modification as well to assist homeowners keep their house. Failing to acknowledge in writing is a direct violation of CFPB regulations. I am writing for assistance for her to keep this home with an affordable monthly payment
|
| 07/08/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
my business went quiet, was behind XXXX month mortgage payment, spoke to my bank and they assured me of assistance, by the end of the second month i personaly went to my bank to make the late XXXX payments and thay refused to take the payments stating that it was now XXXX months past due and i must apply for a modification, i told them i did not want that but they still refused to take my payments, next thing i know im getting letters from the banks attorney saying i need to pay x amount of money to the bank and the attorney fee 's making it impossible for me to get caught up ... ..2 months later i get a letter saying that a company by the name of vericrest will be servicing my mortgage then another company by the name of caliber will be servicing my mortgage..i have done nothing but tell these people while still giving them the information they request that i dont want a modification i want to get back to the original payment plan ... .2 yrs down the road thay are still asking me for repeat information ... i am clearly being given the run around ... i have sent the modification package in so many times now yet they still say information has gone stale or was not included in the package, i have been working with XXXX here in XXXX XXXX NY and with a court attorney referee from day 1 and still no decision and its been 2 yrs already ... now they say i owe over $ XXXX
|
| 12/27/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I got approved for a modification by my mortgage servicer caliberhomeloans my loan holder XXXX XXXX XXXX i made all my payments never missed a payment from XX/XX/2018 through XX/XX/2018 in XXXX caliberhomeloans notified me they where transferring my mortgage payment over to XXXX XXXX ... XXXX XXXX was to take over my payments XX/XX/2018 caliberhomeloans told me to make the XXXX payment to caliberhomeloans and they would transfer the payment to XXXX XXXX ... .now its XXXX and caliberhomeloans will not transfer the payment and XXXX XXXX is starting i am behind in escrow and they have to raise my payments ... XXXX XXXX has been holding all my payments in a suspend account not applying my payments. I told XXXX XXXX i made XXXX payment to caliberhomeloans and XXXX XXXX said they would get the money from caliberhomeloans but its XXXX and XXXX XXXX has not solve the problem and stating my payment will go on top of my monthly payment i paid XXXX XXXX estra dollars to try to solve the problem but XXXX XXXX did not apply theXXXX dollars to my escrow i want to know why caliberhomeloans did not transfer my XXXX mortgage payment and why XXXX XXXX is holding my payments in a suspense account ... ... also i have received caliberhomeloans and XXXX XXXX documents with the same address and same po.box number something is wrong here..can someone please help solve this problem
|
| 12/10/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
To Whom It May Concern, My mortgage loan was recently transferred to Caliber Home Loans on XXXX XXXX, 2015. I have received nothing but conflicting information since they took over from XXXX XXXX XXXX. My first experience is when I called to request a payoff. I was told it would take XXXX hours to generate but my balance was well below {$3000.00}. This was around XXXX XXXX. I secured the funds and called back to payoff my loan. I was then told I owed up to {$8000.00}. The customer service representative indicated I was given wrong information and requested another payoff. I went ahead and paid the {$3000.00} to avoid any foreclosure proceedings against me. I just checked my account online and it also indicates that I have a balance of {$5200.00} ; however the latest payoff I received shows {$2200.00}. ( Attachment enclosed ). The payoff indicates the amount to payoff my loan and release the lien ; however, I just checked the records for XXXX XXXX and the only activity has been the release of lien from XXXX XXXX XXXX. I do n't show any lien recorded from Caliber Home Loans to secure the lien on my property.
As a result of the miscommunication and lack of a Deed of Trust, I am requesting Caliber Home Loans release my account as paid in full. I am also requesting they forward me documentation that they do indeed have a right to my property.
Thank you, XXXX XXXX
|
| 10/22/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I tried to make a payment on the Caliber home app. It was down all Friday that was the day I got paid ( XX/XX/XXXX ) I have never been more than 30 days late on my mortgage but it was a rough XXXX this year. I forgot that I my payment did not go through and remembered on the XXXX that I needed to still pay my mortgage. I made a one time debit cardPayment which was made on that day .On my card it shows that I made a payment to caliber home loans on XXXX of XXXX. Caliber shows that I didnt get to them until the first Because it was on a Sunday After hours. I paid a XXXX dollar fee to have it credited to my account that same day. I talk to XXXX from caliber home loans which she did not really want to hear anything I had to say other than the fact that it didnt get to them until the first. I told her if their app was working then I wouldnt have this problem. And I wouldve never paid the XXXX dollar fee to have it deposited that same day. I called them and tried to settle it with caliber home loans XXXX had nothing to say other than they are not taking it off. Thats not fair, they show that I was logged on my account on XX/XX/XXXX trying to make a payment. I should have been shown some type of understanding and been able to get that 30 day late charge removed. I have never been more than 30 days late ever. I will be looking to switch my loan with another company.
|
| 05/17/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have tried to due a loan modification with Caliber home loans they have gave me the run around and request document after document from telling me to keep sending in more documents and having me speak to a number of different people leading me to believe they will work with me only to have me fall farther behind and then tell me they cant help me and try to foreclose on the property leading me to more late payments. I am more than 90 days behind the bank will NOT accept a mortgage payment over the phone or online portal. I summited my 1st request for a loan modification on XX/XX/2017, as my mortgage payment increased, caliber home loans home loans sent me a letter acknowledging, all documents were received then turning around and saying additional documents were needed. I then open up an online portal on the caliber loans website to upload documents they needed after looking at the portal caliber home loans still had the same request for those same documents I called the point of contact and they acknowledged documents were received, caliber home loans continue to extend the process. I have contact Caliber home loans and have brought it up to their attention and they have continued to lied. I have many documents, one recording and a phone call log of caliber home loans not answering my call and dropping the call after transferring over to a representative.
|
| 01/26/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
Dear Consumer Financial Protection Department Complaint Department, I am having a six month dispute involving a cashier 's check dated XXXX XXXX, XXXX issued by XXXX payable to Caliber Home Loans for my XXXX XXXX, XXXX payment of my mortgage account that has still not been resolved. XXXX claims again as recently as XXXX XXXX, XXXX that they honored this check in XXXX of XXXX stating that Caliber Home Loans ran this cashier 's check through twice attempting to collect after is has already honored ( paid ). Caliber Home Loans claim as recently as today that XXXX has never honored this cashier 's check.
Both financial institutions have completed investigations and their positions remain the same after more than six months. This has caused me unnecessary stress and has damaged my health as my home of more than 40 years is once again under the threat of foreclosure by Caliber Home Loans. I was advised to file an Incident report with the Sheriff 's Department which I have now done.
I am trying to file a complaint with the Consumer Financial Protection Bureau, I have contacted my new U.S. Senator and the California Attorney General is hope of getting this matter resolved short of litigation. I am a senior citizen residing in California with medical issues. Please make sure that this complaint is properly filed and a case number is sent to me soon. Thank you!
|
| 12/01/2017 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
Unfortunately, none of the boxes on the previous page matched my particular situation. Here it is : In XXXX of XXXX I bought my first home. I did my due diligence during the home purchase and hired all of the required " professionals '' throughout the process including an inspector, appraiser, and title company. I also looked up the home on the county tax assessor website to ensure that the local government had the home listed in its current state. Nonetheless, shortly after purchasing the home I received a violation from the city stating that my house was in violation as there was an " illegal unit. '' Now the city is telling me that a large portion of my home was built without permits and is therefore illegal. Furthermore, that I must bring it up to code or tear it down which would turn my 5 bedroom 2 bath home into a 2/1 and would financially ruin me.
I have been working to resolve this situation but simply can not afford to do so. What 's more, I find it difficult to comprehend how a consumer like myself can be legally responsible despite having gone through all of the appropriate steps in the home buying process including going through an FHA approved lender and utilizing an FHA approved appraiser.
I am a public school teacher and this situation has the potential to financially devastate me due to no fault of my own as a consumer.
Thank you.
|
| 07/05/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American, Servicemember |
|
1 ) My husband and I fell behind with mortgage payment, XX/XX/XXXX. Matters became worse, XX/XX/XXXX, when my husband suffered from XXXX and XXXX ( Medical care - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX, XXXX ) and was forced to stop working. Although, we are pursuing my husband 's XXXX ( payments ), we have fallen further behind. To date, XXXX XXXX. has never provide us with a monthly mortgage statement. We have requested several times for a statement.
2 ) We attempted to settle past due amount {$3000.00} ( account # XXXX )XX/XX/XXXX. Mortgage company ( Caliber Home Loans , Inc., XXXX XXXX XXXX, XXXX XXXX, OK XXXX ) refused our letter / offer to settle. The subject mortgage company, XX/XX/XXXX, pursuing foreclosure via their legal representation ; XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( phone # XXXX ) 3 ) We have reviewed our situation with local Legal Aid Society of XXXX XXXX XXXX , XXXX., XXXX XXXX XXXX, XXXX, NY XXXX. ( phone # XXXX XXXX contact XXXX XXXX XXXX, XXXX. ) 4 ) Our hope and request is we to save our home ( value - {$130000.00} - estimated, loan balance - {$30000.00} - estimated. We would like re-payment plan or re-finance ( conventional or possible VA loan. Please review above matter for any assistance you may be able to provide. Thank you, XXXX and XXXX XXXX, XXXX.
|
| 12/06/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have had an escrow account with Caliber Home loans and I am disputing the amount. According to the XXXX treasurer office, since my BK 11 confirmation date the servicer had only paid a total of {$8500.00}. My payment for principal and interest if {$790.00}. I made a payment of {$1200.00} on XX/XX/XXXX, which {$400.00} went to past escrow,, I made a payment of {$1200.00} on XX/XX/XXXX which {$400.00} went to past escrow,, Another payment of {$1500.00} was made on XX/XX/XXXX, {$700.00} went to escrow and another payment of {$1500.00} on XX/XX/XXXX, {$700.00} also going to past escrow. 4 payments totaling {$2200.00} should be deducted from escrow. Past due escrow {$8500.00} minus {$2200.00} should be {$6300.00}.
Caliber sent me a letter stating the following : Please note, as indicated in our XX/XX/XXXX response, the loan was converted back to a non-escrowed loan and the escrow collection is no longer in effect. Since the remaining escrow balance of {$8300.00} was converted to an Ancillary Fee, there is no balance reflecting in your escrow account at this time. Also to note, Caliber received a payment on XX/XX/XXXX which credited {$400.00} towards the Ancillary Fee balance, leaving {$7900.00} as the outstanding Ancillary Fee balance In addition,, I have sent the XXXX payment of {$1200.00} and I paid the XX/XX/XXXX taxes today in the amount of {$400.00}
|
| 10/09/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
My loan was with XXXX XXXX XXXX, I had a direct phone number to my single point of contact in the CEO 's office, she promised to call me within 1 day or I could call her manager 's direct line for help, My single point of contact called me at least once a week to update any status and inform me of anything that was needed for a modification.
This all changed with Caliber Home Loans, you receive a general phone number and one one of XXXX " single point of contacts '' answer your call and say they all are your singlepoint of contact. Each of these " single points of contact '' is more clueless than the next and have XXXX knowledge of me, my loan or my current needs or modification situation.
I do not have any direct line for my Caliber single point of contact and have never received a return call from him. This situation is unacceptable and violates all the rules ofand purpose of having a dedicated single point of contact to work with you who understands your file and situation. I need to be assigned a real single point of contact ththat is compliant, with a direct phone number in the CEO 's office just like I had at XXXX. Please assign me a Single point of contact in the CEOs office of CaliberHome Loans ASAP. The current situation is totally unacceptable and noncompliant.
Please conform to the rules of proper modification management and compliance.
|
| 12/15/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
I have a Mortgage with Caliber Home Loans I had numerous unsuccessful attempts at a loan modification, I was turned down again and a NOD was filed on my house.
I called the bank and want to do a repayment plan with a substantial downpayment and I asked for 12 months to repay the balance I called many times to set up a repayment plan. each time getting a different : '' point of contact specialist '' Most of them were very inexperienced and gave me wrong information. I called with my lawyer on a conference call and got yet another inexperienced " point of contact person '' She put down numbers and submitted them for approval for a 12 month repayment plan ... well, she did n't have her numbers correct and she did n't account for money that was in the account for unapplied payments. causing me to be approved for a huge unaffordable monthly payment of almost {$10000.00}. When I called in to have this corrected, the first person I got was a trainee who did n't know what to do and then I got her trainer who too had wromg info and numbers.. Also, each person I talk to adds more fees on to the total.
The bank is trying to charge me for late fees that were included in the total due. This means that I will be paying late fees twice for each month or double late fees.
Also, I was OVERCHARGED from my XX/XX/XXXX statement to XX/XX/XXXX statement. by {$3000.00}
|
| 02/02/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
We were trying to resume payments on our father 's mortgage, who is XXXX at the moment, and the company that his mortgage is with is constantly giving us the runaround. We have sent in numerous documents more than once and it seems like it is not enough as we are always told something different everytime that we call. My brother and myself have been added as the authorized third party for the duration of the loan because of my father 's XXXX and we have even been working with The XXXX XXXX XXXX of XXXX XXXX as well. XXXX XXXX XXXX XXXX whom we are working with as well have sent over information to his mortgage company twice and they said that they are still waiting to hear back from them. We have sent in three loss mitigation applications. One was on XX/XX/2022. Another was on XX/XX/2022. And one was on XX/XX/2022. We have also sent in notarized documents. The first one for some reason they said they never received it. They told me it was sent to a location of theirs that is no longer in business. We sent in another notarized documents they we have the receipt for and that was sent out on XX/XX/2022. We have been trying to get this resolved really since last XXXX. It seems like most of the representatives at this mortgage company is not on the same page and we know that time is of the essence and we want to get this resolved as soon as possible
|
| 12/20/2016 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
This is an email I sent to XXXX that explains what has happened with XXXX as well as Calibur Home loans not resolving the issue : Hi XXXX, I have attached all the documentation for my escrow shortage. The first document is my escrow analysis showing a payment of {$1500.00} on XXXX. The next document is a copy of the check that XXXX sent. The next document is the XXXX from closing showing a payment on the very last page of {$1500.00} for XXXX half taxes. The second payment from XXXX was received at the County on XXXX/XXXX/15 and the XXXX Title XXXX was received on XXXX/XXXX/15. So, there was an overpayment of {$1500.00}. There was a letter sent to XXXX asking for direction on where the refund should go and I have attached the refund request letter from XXXX XXXX XXXX. The County stated that XXXX processes XXXX XXXX XXXX 's taxes for them.
I need this refunded ASAP. My escrow is showing a shortage and my monthly payment on my loan has gone up almost {$300.00} per month due to this error. I ca n't afford the additional payment so I need this figured out right now. I have been trying to resolve this for the last 4 months and everyone is blaming everyone else. I have also copied my loan officer on this email so if you could " reply all '' that would be helpful because she is trying to help me resolve the situation.
Thank you, XXXX XXXX XXXX cell
|
| 11/01/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Me and my wife bought our home in XXXX XXXX. My wife was laid off from Caliber Home Loans on XXXX/XXXX/XXXX. Caliber Home Loans cause a lot of problems for her after they laid her off. She had a problem with getting my payroll check which is to help pay the mortgage. So we fell behind. At the time I was only delinquent for XXXX XXXX. So I called in XXXX XXXX and tried to get a XXXX XXXX. I started sending in the paperwork they requested to obtain the loan modification. After I would send the paperwork, I would call and the Caliber Home Loans rep would say it takes 5 days to review the documents. So I would call back after 5 days and the Caliber Home Loans rep would say some documents was missing. I did this Over and Over and Over again with Caliber Home Loans Person of Contact, which was different people every time. At that time, my house was not in foreclosure. But due to Caliber Home Loans giving me the runaround, my house is now foreclosure. Countless of times, I receive letters in the mail dated the same date asking for different documents. See attached documents showing that. Now my wife has a job and all we want is to keep our home and get a loan modification to get back on track. Caliber Home Loans claims to be recording all conversions so please ask them for the recorded conversions my wife had with countless Caliber Home Loans reps.
|
| 06/13/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
To Whom It May Concern : I am a new costumer with Caliber Home Loans and have experienced many issues with the mortgage company 's automatic payment system. There is a general lack of record keeping that is worrisome in such a way that the costumer can not view previous payments that have been posted or the financial transaction history. This has resulted in me having been double charged for a recent mortgage payment. In cases of automatic payments this is especially problematic. For example, for my mortgage payment in the month of XXXX, I had set up an automatic payment from my personal bank account. However, the costumer has no way of knowing whether a recent payment has been posted or is pending. Based on this, I made a payment manually. But the next day I had 2 payments posted back to back. Any other major credit systems have options that clearly display the next scheduled payment. Caliber does not.
The management team is also unresponsive. I have contacted Caliber Home Loans and asked to speak with supervisors many times. Their team members have told me that the company is notoriously bad at handling double payment charges and I should instead go through my personal bank to dispute the double charge. I have requested to speak with a supervisor, however, I have not been contacted by a manager and it has been two weeks since the incident.
|
| 12/07/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Caliber Loan Number : XXXX On XX/XX/2020, I spoke with a loan agent by the name of XXXX XXXX about refinancing options and interest rates only. He asked if I wanted to submit a loan application and I explicitly told him, " No ''. I filed a complaint with Caliber Homes and no excuse or reason was provided for his unethical actions. Their response was, " Since you decided not to move forward with the loan refinance process, the Loan Consultant was required to withdraw your application in our system. " ( Direct quote ). As if this solves the problem. The issue is, I told him not to submit a loan application in the first place from the beginning. The call was recorded on their end. Caliber is saying that a loan number was required to be opened as part of their inquiry, so that the Loan Consultant could gather my information and be able to provide me the most accurate information available in regards to my refinance options. Even if this were the case, I should have been told that upfront and then why did he even ask if I wanted to move forward with submitting a loan application if this is normal/routine practice. I have spoken with plenty of other refinance companies and they were able to provide me with information that I requested without submitting an actual loan application. I believe that they are just trying to " beef '' up their numbers.
|
| 03/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have a mortgage with Caliber Home Loans , Inc . I pre-paid a portion of my property taxes for XX/XX/XXXXin XX/XX/XXXX. I called Caliber in advance of doing this, and they said that they would adjust the escrow if I sent them a copy of the cashed check and the receipt for the payment. They also confirmed in an email on XX/XX/XXXX that these two documents were all that I would need to provide. I sent the required documents in on XX/XX/XXXX, but my escrow had not been adjusted, so I called them on XX/XX/XXXX.
On XX/XX/XXXX, they now said they need a new tax bill from the city before they can adjust the escrow payments. This was never told to me previously, and the city will not issue adjusted tax bills until after XX/XX/XXXX. The tax payments in my escrow account include Caliber 's estimates for my future tax payments. They need to deduct the pre-paid amount from their estimate, since this is the amount that I have pre-paid and it will be automatically deducted from my next tax bill. Having a copy of a future tax bill is not relevant, as it is not material to the amount that I have already pre-paid - I am only asking them to credit my escrow by the pre-paid tax amount. By continuing to collect for these tax payments, I am effectively being billed twice for the same payments and Caliber is being unjustly enriched by collecting this money.
|
| 10/20/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
My home refinance settlement date was on XX/XX/XXXX. Caliber Home Loans was holding approximately XXXX of escrow money. As of the end of XXXX I had not received my escrow funds so I called XXXX. They stated that they mailed them.
I called again in mid XXXX because I still had not received my escrow account funds and asked if they could cancel the check and send me a new one and asked to have it sent as a rush/express because it was past the 30 days they have to refund my escrow funds. I need my escrow funds to pay off a debt that is accruing interest.
XXXX told me " NO ''. They said I would have to cancel the check they sent and that it would be a few more weeks to get my new check processed and sent. This is unacceptable. It has been almost two months and they have not been willing to do the right thing and refund my escrow balance in a timely manner.
The servicer has rights to enforce against the borrower when a deficiency occurs.
The consumer should have the same kind of rights. Servicing rules on the CFPB site have such language : The servicer must advance funds to make disbursements in a timely manner as long as the borrower 's payment is not more than 30 days overdue. Upon advancing funds to pay a disbursement, the servicer may seek repayment from the borrower for the deficiency pursuant to paragraph ( f ) of this section.
|
| 10/09/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
My original mortgage payment was {$1100.00} and was adjusted to {$1500.00} due to a shortfall in my escrow. It was discovered that Caliber paid taxes on two parcels one ending inXXXX and the other ending in XXXX. Parcel ending in XXXX does not belong to me. It is on record as belonging to me neighbor. Parcel ending in XXXX was paid by Caliber home loans in the amount of XXXX. As a result mortgage was increased to cover the escrow deficit. When I was contacted by Calibers debt collection agency for a late payment I took action to try and have the issue rectified. I had a research request in to remove the tax parcel that I do not own. After about 3 months the parcel was finally removed. Caliber home loans then readjusted my mortgage to {$1200.00}. Caliber home loans stated that I still owe the additional money that was dispersed for the wrong property tax. Every payment I made of the {$1100.00} each month did not cover the billed amount, due to not being the " complete '' amount it was put in a holding account until the entirety was paid of the increased billed amount. Causing me to have late payments every month. Caliber told me that I could dispute the late payments with the credit bureau but they would not adjust my payments to show that I was not late due to the fact that I did not pay their increased billed amount due to their error.
|
| 09/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I was notified through XXXX XXXX that there was a derogatory make on my credit. I pulled my credit report and it showed that Caliber Home Loans reported by mortgage 120 days past due. My mortgage with Caliber was placed in deferment because my husband and I were affected by COVID-19. Before my forbearance period was up my home sold and the loan was paid in full. I disputed this on the XXXX website. I am closing on my new home in 2 weeks and I can not have this false derogatory mark on my credit. This is a violation of the CARES ACT! I called Caliber home loans today XXXX and spoke to a teller who informed me it was reported to my credit this way because my loan was not " caught up '' before it was paid off. I asked to escalate the issue. I was then given to a " supervisor '' who then told me they did not report it to the credit bureau. I asked again to escalate the issue as time is of the essence because I am closing in 2 weeks and I can not have this on my credit. She refused to give me to anyone. She said it would be reviewed. Again, I explained my situation and was told there was nothing else she could do. I asked over 10 times to speak to someone in credit reporting or servicing and my request was denied. I have no other choice but to file a complaint in hopes that I can get this violation of the CARES ACT resolved.
|
| 05/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I have reason to believe the following mortgage agents are engaged in RESPA violations with realtor XXXX XXXX XXXX XXXX, Washington.
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Washington ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington ( XXXX ) XXXX XXXX XXXX Washington XXXX XXXX XXXX Washington XXXX XXXX ) XXXX * Phone number provided by XXXX XXXX does not match Washington Federal directory records , so can not say with 100 % certainty that this is the correct " XXXX XXXX referenced by XXXX XXXX XXXX
XXXX XXXX has admitted that our offer made on XX/XX/2022, which matched the asking price of the property ( MLS # XXXX ), was the higher offer. It was also confirmed in a mis-sent email that the other bidder 's offer did not have a lender that was willing to finance the loan. My realtor and mortgage agent called XXXX XXXX to assure her the nature of the dwelling was not an issue for financing. Nevertheless, XXXX XXXX let my offer expire because, per the submitted email chain, we refused to use one of the three agents listed above. Subsequently, she has also refused contact with my lender including members of his executive team.
Further, we have strong suspicions that XXXX XXXX did not present our offer to the sellers.
Attached is the email chain from XXXX XXXX to our agent, specifically requesting we use her three agents.
|
| 04/17/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have had automatic payments for my mortgage with Caliber Home Loans set up for almost two years. After I lost my job due to COVID I spent two hours on hold with Caliber to call in and request a forbearance and cancel my automatic payments out of my checking account ( this was a full two weeks prior to when it normally comes out ). The call ended with me assuming I was having a 3 month forbearance and my automatic payment was canceled.
Two weeks later the payment was still taken out. When I called Caliber and stayed on hold for another 2 hours, they apologized for the error and to reverse the transaction they claimed it would take 7-10 days to process a check. I told them this was unacceptable and I will incur overdraft fees. There response was I should call my bank and ask them to cancel the transaction. I expressed to them I do not want to call my bank ( XXXX ) because I don't feel they should have to do extra work for something Caliber messed up on. I asked to speak with two levels of supervisors and they gave me the same answer. Unwilling to expedite a prompt return of my money and simply telling me to go through my bank. I expressed I understand mistakes happen and not upset at the intital mistake an associate of theirs made by not canceling it but that two levels of management would not do anything to rectify the situation.
|
| 09/26/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
In XX/XX/XXXX, I was given a letter from Caliber Home Loans regarding my escrow account that showed that I had a shortage amount of {$19000.00}. After an exhausting process of trying to contact someone at Caliber who knew how to assist, I was told that Caliber " accidentally '' paid the property taxes of 3 other properties that had nothing to do with me. I was told that some parcel numbers got mixed up and the only thing I could do was wait for Caliber to contact each of the Townships while they requested a refund for the error.
In XX/XX/XXXX, my escrow account had a positive balance.of {$3600.00} and then in XX/XX/XXXX, my escrow account balance magically changed to - {$6100.00}. There is no details on any statements on what happened between XX/XX/XXXX and XX/XX/XXXX, but Caliber somehow lost approximately {$9000.00} and have had my escrow account starting at a negative from XX/XX/XXXX and through XX/XX/XXXX.
Today, XX/XX/XXXX, as of XXXX ET, I am being told that in XX/XX/XXXX a check was sent out that was just over $ 6k and that is why my account is short. I have never received a check from Caliber, nor was anything communicated regarding this.
I am demanding that someone contact me immediately to get this resolved ASAP. This is two years in a row now that Caliber has messed up my escrow account and this is getting ridiculous.
|
| 03/18/2021 |
Yes |
|
|
|
Web |
Servicemember |
|
My husband and I have been trying to refinance our mortgage with CALIBER HOME LOANS for over 6 months. We have had to call them several times a month to get any feedback on the loan, and we are still waiting to close this loan. At this point we don't have a close date and the paperwork we filled out at the beginning of this loan request has been refilled and our credit reports re-ran ( due to no fault of ours ).
I am beyond frustrated as we had to pay for the home inspection and we continue to receive the run around from this company.
I did ask in XXXX if I would have to pay another inspection fee if I pulled this loan and found another lender. I was told the paper work with with the final person before being handed over for closing. I understand COVID has affected the process but speaking with a few people connected to this loan ( outside of XXXX has said this is way out of the norm and with my credit rating their is no reason why this loan has not been closed.
I hope I am wrong, but the lower interest rate may be what is causing my problems. Is it wrong of me to think they have now received 6 months ( almost 7 ) months at the higher rate instead of the XXXX VA rate? I would sincerely appreciate any help you can provide as I have purchased many homes and refinanced many home loans and have never experienced anything like this.
|
| 07/31/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My husband 's employment contract was revised at the end of XX/XX/XXXX. He was worried that his job was being eliminated, so he notified our mortgage loan servicer, Caliber Home Loans ( trustee for XXXX XXXX XXXX XXXX ) of hardship and asked for Loss mitigation application info. He made mortgage payments until the end of XX/XX/XXXX at which point he lost his job. The XX/XX/XXXX., and XX/XX/XXXX. payments that he made were not credited to our mortgage. My husband was told not to pay anymore payments until loss mitigation was submitted. One payment was returned to us and there is a partial payment still sitting in our account that was never applied. Loss mitigation paperwork was promised on the numerous times my husband called requesting it, but never received despite the promises. Caliber Home Loans lied to us. On XX/XX/XXXX, we were served in person with a foreclosure summons. We did not receive a 90 day pre-foreclosure letter by certified or registered mail. We did not receive housing counselor information either. We contacted the NYS Attorney General 's office and eventually was referred to XXXX XXXX XXXX, a law firm that is representing us in the foreclosure case. We are currently in the settlement conference phase. My husband is now gainfully employed and prepared to resume payments, but Caliber has adjourned twice already.
|
| 10/08/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
To Whom It May Concern : I have been trying to get a modification with Caliber Home Loans. The representatives state that there was a payment missing but we have received proof that the payment was received by the previous lender XXXX. Then XXXX sold the loan to Caliber Home Loans.
As with most Americans our family was suffering a loss of income for several years. They denied the first modification which we are still trying to understand why. We called and spoke with a representative around XX/XX/2015 and were told there was too much debt. That did not make sense because they are only supposed to use income and current mortgage payment to arrive at an affordable payment. We were told to resubmit all documents again so we uploaded all the documents on their website and then received a letter indicating that they can not process at this time because you did not put your loan number on the documents indicated below. There are NO documents indicated below on the letter. Then they are asking to have the documents mailed, emailed, or faxed. They did not request this previously as the documents were uploaded to their website and this was easy. It seems now they are trying to make it difficult to get the documents to them in a timely manner. I need assistance in dealing with Caliber Home Loans.
Your cooperation is greatly appreciated.
|
| 10/22/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Caliber sold my loan to another company who is telling me theyre going to change my rates and they will refuse to do a refinance I had a refinance scheduled for a Thursday shelter in place started on Tuesday on Wednesday they called me and told me I could not meet in the office to sign the paperwork on my refinance and not to worry everything would be SS in place as soon as we were able to meet again in front of a notary and sign the new documents in the meantime I did do a forbearance with caliber and then I received notices that were over three months old that they had sold my loan not given a proper mailing address to the other company or utilize my proper mailing address the new company Then told me that they didnt have my information updated even though my loan would be officially theres that week but they were several weeks behind in processing that I would have to wait for them to update their system and then the meantime my forbearance had ended early according to them the payment will be due but they could not even except it because I was not in their system. I contacted caliber they directed me to the site to file a complaint but I dont think they realize my complaint is also against them Ill be filing a separate complaint against the new company as soon as they send me further information on who they even are.
|
| 05/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I called XXXX in XXXX XXXX in WA to try and secure a conventional loan using their physicians loan program. While working with the one of the XXXX branch managers, XXXX XXXX XXXX, told me he would hook me up with a way better loan than XXXX XXXX could offer because I sounded like a 'good guy '. The manager assured me the both he and his loan guy where once professional athletes, which made them very trustworthy. I was confused by this but decided to give his recommendation a try given how hard it is to buy a home in XXXX, WA, every advantage helps. The person he recommended me to worked for another loan company called Caliber Loans, his name was XXXX XXXX XXXX ID # XXXX. I told him I wanted a physicians loan and he assured me that they offered a physicians loan product so I proceeded to give him all of my financial information and allow him to run my credit. A day later after my credit had been ran the XXXX XXXX informed me they no longer provide a Physician 's Loan program and instead tried to push me towards a jumbo loan with low % down with a second loan at a very high rate in order to fund the first. XXXX lied directly to me about the types of loans he would be able to fund. My wife and I are well qualified buyers and very discouraged by this whole process. This is fraud and I want these fraudsters held accountable.
|
| 08/26/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I took out a home loan and signed a note in 2004 with XXXX XXXX for $ XXXX, They filed bankruptcy soon after ( RESCAP ). The Bankruptcy Trustee holds the note and claims it was never transferred nor sold. Since then recently and alleged XXXX XXXX XXXX claims to be the TRUSTEE representing a non existent alleged LSF9 MASTER TRUST out of the State of Delaware which has not proven it owns my note, nor has purchased my note for any consideration, nor has the original properly endorsed note. They are not the Beneficiary and have no right to transfer any Servicing rights to any other company, including an alleged Caliber Hoam Loans. This new company, Caliber Home Loans out of the State of Texas, has no standing to service my loan since they do not have any evidence that XXXX XXXX XXXX represents the beneficiary of my loan, and therefore can not act on behalf of an alleged LSF9 Trust incorporated in the State of Delaware, which has not shown to be the beneficiary either, nor paid any consideration for my note. It does not have my original properly endorsed note. This is all fraud and they have failed to include me in the class action as requested by my attorneys the XXXX XXXX XXXX which is properly authorized to file all the necessary complaints including with the FBI, Attorney General, etc. to get to the bottom of this fraud.
|
| 09/11/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I wanted to write you a formal complaint letter with regard to my loan modification. My loan was sold from XXXX to Caliber early this year. I completed an application for a loan modification following the sale. In XXXX, I received a proposal for a trial period of XXXX months. The problem was that monthly payment was the same as my previous, and the proposed terms was not a modification at all, but rather a 5 year interest only payment arrangement. During this time I was out of town for work, when I got back I immediately called Caliber homes to discuss that this was not a loan modification and that the monthly payments needed to be lowered, as due to divorce and other hardships I fell behind on my mortgage payment. However, I also stated that with the right loan modification, I would be able to make regular payments as I have good stable income, been with same company for XXXX years, and I want to keep my home and stay in my home with my XXXX kids.
Caliber informed me that there was nothing else they can do, because I have missed the XXXX week deadline for appeal, since then I was trying to work with HUD, and other mortgage counseling agencies, with no results.
I want to insist that Caliber homes review my file and hopefully provide a real land modification.
I am still working toward and want to find a resolution.
|
| 08/23/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Due to an extreme hardship & divorce I fell behind with the mortgage. Caliber Home Loans who has just recently purchased my home from XXXX XXXX has a foreclosure and sale date of XXXX XXXX on my home even though I was working with their loss mitigation Dept to try to modify the payment they accelerated the foreclosure and I have n't even been given the chance to work out options with them. I have n't even been given options! I received the application & a letter of approval to submit a modification application from them dated XX/XX/XXXX then got a letter dated XX/XX/XXXX that my application was denied cause I did n't turn in documents. Really a day later. That seems deceptive & misleading if you ask me. And they are n't honoring the chance I was given to Try to modify before I got the accelerated foreclosure letter from attorney sent XX/XX/XXXX. I had already turned in an application because I did n't wait for the one dated XX/XX/XXXX to come in the mail, I printed one off their website. But now the sale date is so close & I am still trying to modify. It 's a race against the clock & see which comes first. But they are dragging their heels. I turned in all documents they requested. And everytime I call to make sure they got it I 'm told I need to send something else!! And it takes up to 5 days for them to upload it.
|
| 09/05/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
On XX/XX/XXXX we had submitted the certificate of eligibility for the Sandy Forbearance program to Caliber home loans. After months of calling and asking for a response, they sent us a letter dated XX/XX/XXXX stating they require a Certificate of Occupancy prior to reviewing the loan for the program. On XX/XX/XXXX, when we received our CO, it was faxed to Caliber Home Loans. According to the letter requesting the CO, it states that upon receipt of the requested documentation, a Single Point of Contact representative will contact us to inform us that they have the information required. Subsequently, we will receive a follow-up phone call explaining the particulars of the forbearance. We have not received any phone calls, e-mails or US mail responding to the information sent. In addition, we had e-mailed a copy to XXXX XXXX, as he had requested that an e-mailed copy be sent to him. According to the law, we are eligible for a 12 month forbearance from the date we received our CO. We are facing foreclosure and have been patiently waiting for this offer of forbearance. I have been calling the Customer Service line at Caliber once a week since sending the CO and nobody is aware of any such forbearance. Time is not on our side. We desperately need this offer of forbearance, as we meet the criteria according to the law.
|
| 08/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We refinanced our mortgage with XXXX ( original loan # XXXX XXXX. This loan was to be serviced by Caliber starting on XX/XX/XXXX ( Account # XXXX XXXX.
We received a letter dated XX/XX/XXXX that our mortgage servicing was being transferred from Caliber to XXXX effective XX/XX/XXXX. At that time, our automatic mortgage payment to Caliber was canceled and and account closed by Caliber.
We never received a letter from XXXX stating that they will be taking over the servicing of our loan. When we contacted XXXX they stated they have no record of our loan but that it could take a few weeks to show up. We contacted them several times over the following 6 weeks and they opened an investigation. We received a letter from XXXX on XX/XX/XXXX stating that they are not servicing our loan.
During this time we also made attempts to work with Caliber have been met with the same response of " we are no longer servicing your loan ''. My account status with them shows a {$0.00} balance and a " non-active '' status.
In addition, We reached out to XXXX to see if they can help and they were met with the same responses from XXXX and Caliber.
We have not made a mortgage payment in several months despite repeated attempts to do so. We are very concerned that our credit will be impacted by this and are looking for resolution.
|
| 10/17/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I received an Escrow Account Disclosure Statement dated XX/XX/XXXX indicating an escrow shortage of {$3900.00}, making my monthly mortgage payment increase from {$1500.00} to {$1900.00}. This is highly unexpected, as my taxes did not increase by {$3900.00}. During multiple calls with the mortgage company ( on XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX ) I tried to explain that the shortage is likely due to the fact that the mortgage company made a disbursement in XX/XX/XXXX of {$4800.00} which is the entire tax bill for the year, instead of making quarterly tax disbursements as the mortgage company had done in the past. The mortgage company did not seek my consent to making a yearly payment instead of a quarterly payment. Even after agreeing to go back to making quarterly tax payments, when the mortgage company did a new escrow analysis, they found my escrow shortage to be {$280000.00}, which is still puzzling as my taxes did not go up by that much. The mortgage company is spreading the shortage over 60 months, but still, I do not understand why the shortage is so big. I am afraid the mortgage company is charging me more money than they should be. For reference, my taxes have been {$4900.00} in XXXX, {$4800.00} in XXXX, and {$4700.00} in XXXX. And my escrow shortage has been {$250.00} in XXXX and {$190.00} in XXXX.
|
| 06/21/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I recently purchased a home with the intention of enjoying my retirement with my husband. Before I closed my husband passed away leaving me grieving for his loss and with half of my monthly income. I struggled to pay this mortgage for as long as I could before falling behind. The struggle has been difficult on me, I reached out to my bank in an effort to see if they would offer me any type of mortgage assistance. It was long before I found myself in foreclosure and denied for at least 3 modification requests. I finally decided to give up and sell my home- thats when I discovered that my mortgage is also upside down and had to request help with a short sale. I enlisted the help of a realtor and listed my home, I live in XXXX California and at times it takes homes a long time to sell. My bank reviewed XXXX offer on my home and countered the buyer XXXX on their offer- the buyer increased their offer XXXX but the bank denied it saying that I have a sale date approaching and that they would rather foreclose. All I want to do is avoid foreclosure and I feel like Caliber couldve of worked with us a little better and been less aggressive given my circumstances. the offer that was presented wouldve almost payed them in full and I couldve avoided having a foreclosure on my record that will follow me for at least 7 years.
|
| 10/17/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
For the last 5 years, we have been making mortgage payments to Caliber Home Loans twice a month via our checking account online banking application, in the amount of {$1000.00}, on the XXXX and last day of the month. Caliber, up until XX/XX/2019, would place the first {$1000.00} in a suspense account. When the second {$1000.00} was received, Caliber would then apply the {$2000.00} to the {$1800.00} due and credit {$140.00} to principal. This practice is in accordance with our mortgage documents and the disclosures provided on Caliber Home Loan monthly statements.
In both XXXX and XX/XX/2019, Caliber applied the first {$1000.00} payment to additional principal, rather than place the funds in a suspense account. When the second {$1000.00} was received, it appeared that the monthly mortgage payment was short by {$850.00}. Collections calls began on the XXXX of XXXX and XXXX. In both cases, we spent extended periods of time on the phone with Caliber telephone to correct the payments so they are posted and applied accurately.
Caliber Home Loans is in violation of our mortgage agreement and is providing deceptive disclosures to their customers on their monthly account statements. The teller we spoke to on XX/XX/2019, XXXX, stated on our call that this is a known problem being experience by a number of customers
|
| 11/20/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have a loan through caliber home loans and have XXXX as a payment reduction plan.
I have made several attempts to contact caliber due to the fact that they are not paying the funds properly. Caliber pays the payment forward instead of reducing the principal of the loan. This has been going on for several years now. I call them and caliber will comply for a month or two and then go back to the same problem again and again. So I called XXXX to resolve this and have an audit performed as to insure my funds are being applied in the proper manor. Just as with me caliber keeps rotating staff so as to make it impossible to speak to a complaint person and refused to comply with XXXX to provide the nessasary documentation to allow this process to be completed. I called caliber at least 6 times and XXXX has sent repeated letters via email and even had a conference to insure that it was OK to provide this information to a secondary company for security reason. Now I 'm at the end and this is why I contact you. I have nowhere else to turn. I 'm trapped between XXXX large companies that keep placing walls that I can not get through. Caliber will not comply with XXXX even after all the attempted contacts were made and both companies have full documentation of all attempts, calls and emails that have been sent or made.
|
| 03/03/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
We are in the process of trying to short-sell our home. The bank has just requested that I provide them with the following information : PROPERTY INFO : - Copy of MLS - Property Condition : Good/Average/Fair/Poor - Current Marketing Condition : Stable/Declining/Improving - Repairs Needed? : Yes/No ( if repairs are needed, need description of repairs ) - Property Photos : Front of Property, Rear of Property, Close up of Address , Street View Left , Street View Right MARKETING INFO : - Positive Comments regarding property - Negative Comments regarding property - Number of Showings from your office - Number of Showings from other office - Number of Offers Received - Reduced List Price? Yes/No - Suggested List Price - Any additional comments?
- 3 Current Comps - 3 Recently Sold Comp - Marketing Trend : Improving/Static/Declining ( provide reasoning for trend selected ) - Problems marketing?
I do n't feel that the bank has the authority to require that our agent disclose a marketing strategy, disclose all offers, provide feedback, etc. This is asking our agent to provide information we are not comfortable sharing, as our agent is not the bank 's agent, he is the sellers agent. The bank has implied, through the negotiating firm, that any short sale would be denied if this information is not provided to them.
|
| 05/27/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I received a loan from XXXX in XXXX, XXXX with a fixed rate in XXXX, GA and they sold the loan to XXXX in XXXX. I had been paying my payments until XXXX sent me a statement stating that my mortgage was going to be higher. I asked XXXX to validate my loan since XXXX and they could not provide me the information for the correct numbers from my loan from XXXX to XXXX. XXXX put my house in foreclosure XXXX times and I had to file bankruptcy to stop the sale and get more time to get XXXX to send me the correct documents. XXXX sold the loan to Caliber Homes and they too now have my house in foreclosure for XXXX XXXX, XXXX.
I have been requesting for years from XXXX, XXXX for Caliber Homes to send me the correct numbers to validate the loan from XXXX and again I am going through the same thing. They sent me documents that date back to XXXX, Caliber Homes has no records of XXXX - XXXX and the numbers are very wrong.
I filed bankruptcy XXXX XXXX, XXXX and Caliber Homes is not approving my Stay of Execution so we can continue the investigation. I have reached out to RESPA as well.
I need to stop the XXXX XXXX, XXXX foreclosure sale date and have the mortgage company subpoenaed to get all of my records and make sure that they can validate my loan with the right numbers.
XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXXXXXX
|
| 06/14/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Borrower received a permanent modification offer. It was received via email on XXXX/XXXX/2016 from the bank 's attorney, XXXX XXXX XXXX at XXXX, XXXX, XXXX XXXX. The borrower came in on XXXX/XXXX/2016 to sign and notarize the documents. On that day, I, XXXX, contacted both Caliber Home Loans, and the attorney 's office in an attempt to collect the label that, in the documents, was supposed to be attached. In my conversation with XXXX, I was given the address to MAIL the documents to, and was assured that it would be " okay '' if the documents got there late. The attorney did not respond to me until XXXX/XXXX/2016, XXXX week later. She attached the mailing label in that email, but, per my discussion with Caliber on XXXX/XXXX/2016, I sent the documents via USPS. The borrower called to make XX/XX/XXXX payment and was told that the case was " closed '' and that the borrower needed to reapply for a modification, as the documents were received after the due date. The documents were not received by Caliber until XXXX/XXXX/2016, and they were due XXXX/XXXX/2016, the date that the lawyer 's office sent the label. Please see attached. I escalated the case on XXXX/XXXX/2016 through Caliber, and was informed today, XXXX/XXXX/2016, that they stick to their decision to close the case and the borrower needs to reapply.
|
| 06/10/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
In XX/XX/XXXX I took out a loan on my home with XXXX XXXX for {$310000.00} and made all the payments on time until XX/XX/XXXX that they convinced me to request a free no charge loan modification with the Federal Government, the HAMP Program. I sent in the required loan modification documents signed and notorized and they have never returned the signed copy by them. They have mis-applied all my payments made to Principal and the present balance of my loan should be down to about {$200000.00} with the obvious decrease in monthly payment amount. They reply that they refuse to answer my questions. The alleged " servicer '' Caliber Home Loans has acknowledge the " errors '' made to my account but refuses to audit the loan from the beginning since they have been modifying and changing the running balance and know it. The evidence in all the different amounts they claim are owed which is simply an accounting error on their part. They have never applied my payments correctly to Principal nor given me a signed copy of the modification agreement as you can see yourself. Please get the competent authorities involved and I have a right to be a part of any and all insurance and pooling and servicing agreements. They have used my signature to take out a line of credit secured on my home and this is fraud.
|
| 03/01/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
In a recent response from Caliber for case XXXX ( under the assistance section ) it was stated that it was unclear as to why I contended that Caliber has failed to offer me foreclosure alternatives. Since XXXX 2013 Caliber has only asked me if I had the information for XXXX, they have not demonstrated that they want to help me keep my home. I asked for a cease and desist because Caliber representatives were so nasty and rude. Please listen to previous conversations between me and Caliber that began in XXXX 2013. Even with the cease and desist, I call frequently and have spoken with at least XXXX different SINGLE point of contacts. Each person has a different message. As recently as XXXX XXXX I was told that the sheriff sale was scheduled for XXXX XXXX by XXXX different single point of contacts. On the same day, I called Caliber 's attorney XXXX XXXX. XXXX told me that I was misinformed and asked who told me that the sale was still on for XXXX XXXX. XXXX told me that he had documentation that there was no lien against my home and that the case was in loss mitigation and would not be in a sale on XXXX XXXX. Also, on XXXX XXXX, the Caliber contact stated that either I pay XXXX or lose my home in a sheriff 's sale on XXXX XXXX that was my only option. Only Caliber 's attorney was helpful and forthcoming.
|
| 04/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XX/XX/2020 I tried to pay my mortgage late. It was denied and Caliber Home Loans put me in the COVID CARE ACT refusing to accept XXXX/XXXX payments, marked late on my credit reports, sold the loan to XXXX XXXX as a refinance raising my monthly mortgage payments, sold to HUD with a Partial Deed of Trust. I have had my credit repair company work with me in sending Caliber Home Loans monthly letters for six months with NO reply or repair on my credit reports. When my home went into contract to sell the property in XXXX the Partial Deed of Trust showed up on the title records to the property with payment to be made in full to the Deed Claim. The refused payments were made to XXXX XXXX in XX/XX/2020 along with the XXXX payment to bring the mortgage current. XXXX also made several attempts to understand the split of the loan and could not get communication from Caliber. I have mailed letters to the Secretary of State, XXXX XXXX XXXX, and CFPB by certified mail and am still waiting for a report on financial facts proving my statement as NOT owing the Partial Deed of Trust. I am nor was in Bankruptcy. I am nor was in Short Sale. I am nor was in Foreclosure. WHAT I AM is Homeless with cash to buy my next property and can not get a loan due to the false reporting of Caliber Home loans on my credit reports!
|
| 04/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I would like the CFPB to recognize my right to rescind the mortgage transaction with Caliber Home Loans , Inc. due to their failure to provide full material disclosure as required by Truth in Lending, Regulation Z under the Consumer Credit Protection Act. Under 15 USC 1635, an obligor has the right to rescind a mortgage transaction within three business days of the transaction or until the required disclosures have been provided, whichever comes later. If the creditor fails to provide the required disclosures or notice of the right to rescind, this right of rescission is extended up to years in my case. I exercised my right to rescind within the three-year period due to Caliber Home Loans , Inc. failure to provide full material disclosure at closing. I sent three notices of rescission to Caliber Home Loans , Inc. via certified mail, and they failed to respond or file a judgment disputing my right to rescind within 20 days, as required by 15 USC 1635. This failure to respond within the 20-day period means that the rescission is final, and the security interest created by the transaction is void. I have an open lawsuit currently on Caliber Home Loans, INC. at the United States Federal District Court of Delaware, Case Number : XXXX. They have recently foreclosed on my mortgage during an ongoing case.
|
| 02/09/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
How to stop closure my house today CALIBER Home Loan they this guy tell. Me move out they said it house close! But I do n't know about it I know my loan I 'm pay off on XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX I 'm demo my house I have proved permit final inspection form XXXX XXXX .TX I 'm talk to someone employee CALIBER home loans I tell them r do n't what happened about it whatever I keep my house but bills statement too reference my payment only XXXX XXXX/mo they send me bills payment first time. Same lather on they call me collaction telling behind XXXX. I said why they tell me bank said NSF '' I do n't know NSF " mean! I pay them with debit card 2mo. Then next few moth call again tell me payment grow up XXXX/mo and tell me about principle that why too high I 'm payment about few month then I 'm stop to pay beanie think something not right t need to send me bills statement may be they over dabt. Then 5 month later send owe them $ XXXX+ tell me pay out title I said I do n't have I 'm loose job and nobody work I 'm pay For colleg daughter Then they send me from about lose job tell me waiting for approve from government but they send bills payment every month grow up over XXXX $ then send my account to collection agency I talk to them by phone I need to payment standard but they said no Waiting till now
|
| 05/21/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
The original loan was executed by the complainant and hi wife XXXX in XX/XX/XXXX in the amount of {$68.00}, XXXX with XXXX XXXX XXXX XXXX XXXX. As security for the note, the parties granted XXXX as nominee for XXXX XXXX. The note and mortgage were subsequently assigned to XXXX XXXX XXXX XXXX, who assigned them to XXXX XXXX XXXX Bank.
In XX/XX/XXXX, the parties filed for a divorce with XXXX notifying XXXX XXXX XXXX XXXX that she would not be paying any mortgage payments. In XX/XX/XXXX, XXXX XXXX XXXX XXXX filed a foreclosure action in the Court of Common Pleas, XXXX County, Ohio in Case No. XXXX against XXXX XXXX, XXXX on the unpaid principal of XXXX.
In XXXX XXXX, the Court granted XXXX XXXX XXXX XXXX summary judgment and the Complainant filed a Notice of Appeal on that judgment. In XXXX XXXX, the Complainant was contacted by Caliber Home Services with a bill that stated that I owed XXXX.
Caliber also stated that it would modify the loan and restart the mortgage if I paid XXXX by XXXX XXXX, XXXX to Trial Period Management, which I did.
On XXXX XXXX, XXXX, I was notified by the XXXX County Sheriff Department that my house is due for sale on XXXX XXXX, XXXX.
I 've never heard from Trial Period Management and was waiting for correspondence from them when I received the notification of the sale.
|
| 10/25/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I am being foreclosed on by Caliber Home Loans on XXXX XXXX, 2016. I am requesting information regarding my mortgage because i know that their are errors due to fraud, forgery, improper securitization, falsified assignments, robo-signing, predatory lending and many other defects. I have been asking for information for years. I also received confirmation from the federal foreclosure review that their were frauds and predatory lending for my mortgage. The original servicer XXXX is guilty of the same stated issues and when I have requested information because of the errors, I have been given the wrong/fradulent accounting. I requested a securitization audit for my sub prime adjustable rate mortgage and have been given inaccurate information. XXXX transferred their servicing to Caliber and Caliber tells me they know nothing about the defects, frauds, failed assignments, improper securitization etc. My mortgage was transferred to caliber with accounting errors, interest errors, and other defects. I paid XXXX of dollars to this mortgage and arrearages in a federal bankruptcy and those dollars paid in bankruptcy towards my subprime mortgage have not been properly applied. The fees and arrearages just kept increasing. I contend I am being foreclosed on and the mortgage amount has errors / is inaccurate.
|
| 04/23/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Homeowner did everything to try and save their home. They determined that the home was unaffordable for them and decided to pursue a short sale of the property. This was a difficult decision for the client to make, but realized this was in their best interest.
The short sale was initiated on XX/XX/XXXX with an approval letter being submitted on XX/XX/XXXX in the amount of {$440000.00}. We submitted a value dispute and appraisal showing a value around {$420000.00}. The property was built and designed for little people and does not conform with standard properties. In a detailed conversation with XXXX XXXX at the lender ; a possible approval was discussed at {$420000.00}. The buyer is prepared to close at this price and seller can avoid foreclosure.
On XXXX XXXX we received a denial notice from the lender advising that the offer was not high enough and they were proceeding with foreclosure.
Additionally, this is an invalid foreclosure. The original sale date was issued for XX/XX/XXXX. Since the sale has been postponed XXXX times, it is mandated by California State Law that new foreclosure proceedings must be filed starting the foreclosure process over. No new Notice of Default has been filed. Therefore, to proceed with the foreclosure sale tomorrow would be an invalid and illegal foreclosure.
|
| 03/26/2021 |
Yes |
|
|
|
Web |
|
|
I close on a mortgage in XX/XX/2020 with XXXX XXXX. They have since sold the mortgage to Caliber Home Loans. At the closing, there was an approximately {$3000.00} that was to paid off some debts. The debt in question was already being deducted from my paycheck. The lawyers agreed that after the full amount is paid through my paycheck, then I would get the check. That never happened. I kept requesting for the check with no real answers. As I was going through the closing documents I also notice that I never received an accurate closing documents with the actual expenses. The documents that I signed three days before closing were estimates not the actual expenses, because the estimates for the title company was different from what the amount on the title expense statement. This was confirmed by the original loan officer. I am requesting for a thorough recount of the closing process of the mortgage because I believe that I am currently responsible to pay back a mortgage amount that is not accurate. In addition, there was supposed to be a {$500.00} credit applied on the price of the house. This credit was not honored. Then I got an unpaid tax for 2020.
I tried to resolve the problem with XXXX XXXX with no success. So I am putting the complaints with the current loan servicer Caliber Home Loans.
|
| 07/21/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This will be the sixth complaint submitted to CONSUMER FINANCIAL PROTECTION BUREAU ( hereinafter " CFPB '' ) starting on XXXX XXXX, 2016 until XXXX XXXX, 2016 against CALIBER HOME LOANS , INC . This complaint will be another addendum to the prior XXXX prior complaints submitted against CALIBER HOME LOANS, INC., which are Case Numbers XXXX, XXXX, XXXX, XXXX, andXXXX.
XXXX ( hereinafter " XXXX '' ) my true and lawful Attorney-in-Fact contacted CALIBER HOME LOANS, INC., on Thursday, XXXX XXXX, 2016 and a XXXX, SINGLE POINT OF CONTACT SPECIALIST, TELLER ID. NO. XXXX answered the phone. Like the other XXXX prior case numbers as listed above, XXXX sternly intentionally refused, prohibited, and stonewalled XXXX from again finding out what steps if any CALIBER HOME LOANS, INC., has taken to close Caliber Account Number XXXX once and for all, because of the unquestionable, substantial, and tangible documents that have already been submitted to CALIBER HOME LOANS, INC., that said property by operation of law called " Rights of Survivorship '' transferred to XXXX XXXX XXXX XXXX, so there is no property affiliated for CALIBER HOME LOANS, INC., to foreclose on, as XXXX XXXX XXXX was the only person who signed the NOTE and made that promise to pay, not XXXX XXXX XXXX XXXX or anyone else for that matter!!!
|
| 07/06/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
1. XXXX county court docket. On XXXX XXXX, XXXX a XXXX XXXX is filed to foreclose the mortgage. On XXXX XXXX, XXXX Plaintiff files motion for summary judgement & to re establish a lost instrument. But then on XXXX XXXX, XXXX almost a year after filing the foreclosure plaintiff claims to have found loss instrument ( original note and mortgage ). Per Florida Fair Foreclosure Act Plaintiff must show is legal owner of promissory note that borrower signed at closing promising to pay debt. On XXXX XXXX, XXXX at final judgement granted by non jury trial plaintiff attorney shows me forged instruments note, mortgage. There is only XXXX original note & mortgage which are the ones signed at closing and these are not the ones I say with 100 % certainty and further prove it with a forensic examination report I have in my possession and Plaintiff has been provided a copy of. Per Florida statute XXXX a person is not liable on an instrument unless the person signed the instrument which I did not and a felony of 3rd degree. Some additional info provided above thru research.
2. This original XXXX mortgage loan acquired by XXXX was insured and has been paid and collected upon one time. Plaintiff has been trying to collect a 2nd time on a mortgage that has already been paid to them by insurance long time ago.
|
| 02/03/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Im writing about a dispute the following charge from Caliber Homes Homes.
XX/XX/2022, Caliber Home Loans Inc {$600.00} I was charged {$600.00} for this appraisal but was given an unfair home appraisal. Ive attached documentation of attempts to dispute the appraisal and repeatedly denied by the Caliber Homes Mortgage Company. The value they gave me does not coincide with what I could get for it and many homes sold in the area at the time. I corresponded with Caliber between the months of XX/XX/2022 and XX/XX/ 2022 to dispute their appraisal as quite wrong and it seemed like they were just wanting to get my XXXX to deny me a refinance. Additionally, I feel like there was some discrimination here as its common for appraisers to appraise less for XXXX and XXXX neighborhoods. This neighborhood is primarily XXXX and XXXX. I sent them 9 homes that sold in the area for more than what they appraised my home in the last six months. 9 homes is a big comparable difference in XXXXXXXX. They appraised my home at under XXXX, this is not even the amount of sales that happened in the last six months.
I refuse to pay for discriminatory practices and XXXX XXXX XXXX would not dispute the transaction for me anymore. My dispute process has been left to file a complaint for discriminatory appraisal practices.
|
| 02/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Me and my wife refinanced our mortgage in 2019 with a new bank. The refinance process took some time and escrow closed on XX/XX/2019.
Some months after the refinance process I noticed our credit scores dropped, I found Caliber Home Loans is reporting a 30 days late payment for the month of XX/XX/2019, I decided to contact Caliber Home Loans to resolve this mistake.
Base on my own records the 30 days late payments marks are inaccurate and completely wrong. The payment, with Caliber Home Loans, was due on XX/XX/2019 and escrow paid-off the loan on XX/XX/2019, then closed on XX/XX/2019. When I called Caliber Home Loans they claimed to received the pay-off amount on XX/XX/2019, on their end the payment was received 30 days late.
They are wrong, I send them proof of escrow closed on XX/XX/XXXX and before escrow closed they paid off the loan but I noticed they just don't care. I spoke with a manager of Caliber Home Loans and she accepted the payment was wired BEFORE XX/XX/XXXX BUT due to the time zone difference and processing delays the payment was posted until XX/XX/XXXX.
This is unfair for me and my wife since our credit scores were destroyed due to " the time zone difference and processing delays ''. The payment was made before 30 days late and they should correct our credit reports.
|
| 09/15/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I had a mortgage with XXXX XXXX that was subsequently sold to Caliber Loans. I was making my payment as scheduled to Caliber Loans when in XXXX I received a XXXX from XXXX XXXX stating that I owed taxes on XXXX! I was perplexed because after the sale XXXX XXXX did NOT send me a check for any amount so I called them to inquire. They then told me that they sent the check to Caliber Loans without my knowledge or consent. They provided me the XXXX delivery confirmation number and a copy of the check for XXXX that was cashed by Caliber Loans. So apparently of the XXXX only XXXX was taxable. I contacted Caliber Loans IMMEDIATELY to inquire what happened to my XXXX. Was it being sent as it should have been by XXXX XXXX? Was it being applied to my loan after the error had apparently been made?
I was told by Caliber Loans to fax all information to them and they 'd research the matter and I made repeated follow up calls with my contact person always " out of the office ''. Then in XXXX XXXX my mortgage was sold to XXXX XXXX without ever getting the {$1900.00} check, any mortgage credits or any explanation period!
I have included a copy of the faxed requests for an explanation, a XXXX copy, a XXXX Delivery to Caliber Loans confirmations, and a copy of my check that was cashed by Caliber Loans.
|
| 05/01/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I had suffered a XXXX XXXX in XX/XX/XXXX, I have suffered 2 other XXXX XXXX prior to that incident my wife was XXXX in a XXXX XXXX in XXXX after 22 years of marriage I was devastated but was able to recover from that and stay on top of my life caliber home loans is where my mortgage is financed through, I was given a forbearance application to file with a team of specialists that work for caliber home loans, I was not allowed to make payments during the application process as of XXXX XXXX I am 8 payments behind totaling {$8800.00}!! My payment is {$1000.00} per month, after I was denied the forbearance modification loan I was put in forcloser process when I was not able to come up with the amount in full due to the fact that caliber home loans does not take partial payment on a loan 120 days past due. I contacted caliber home loans offering them a informal repayment plan of {$2500.00} down and the monthly payments of {$3400.00} for XXXX and XX/XX/XXXX, once again in was denied due to the fact of my payment history. I built my home 26 years ago to raise my family in I'm a honest person that wants to keep his home I'm just asking for a new payment plan, when the banks faced difficulties with over extending loans the people bailed them out I feel it's only fair for the same in return.
|
| 07/03/2017 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I am a XXXX XXXX, we have been trying to close on a transaction in Arizona and had to postpone it is costing my XXXX hassle and money had to cancel his work responsibilities 3 times being is XX/XX/XXXX weekend also his holiday vacations. We were told the loan was fully approved and it has not. Listing agent issued 2 cure notices we had to pay {$500.00} for the first extension {$500.00} for the second extension, Cure notice in Arizona is a 3-day process. Cure notice expires tomorrow my XXXX will loose his {$2000.00} escrow money. The deal stated to be a conventional loan 1 week before closing Lender persuaded my XXXX that it was better to switch to FHA his payment will be {$200.00} lower we will have to extend COE for just a week since we had everything was done, inspection, appraisal etc. Then underwriter needed the second appraisal since the home had been Rehab completely just 3 months before, another delay due to waiting for the new appraisal. My XXXX had to get storage for his new appliances that were supposed to be delivered Friday, XX/XX/XXXX. pay extra for the landscaping delay since landscaper had already bought all materials and was ready to start the job. They have not cared what so ever about COE. And so hard to find the person in charge that could have help in this matter.
|
| 10/29/2021 |
Yes |
|
|
|
Web |
Older American, Servicemember |
|
I just refinanced my home loan, the company Caliber Home Loans told me it would be without any money from my pocket. They were supposed to roll over my accrued escrow amount to the new loan so that I could pay my property taxes and home insurance. What they did was use my accrued escrow to lower my mortgage loan amount and thus appear to give me a lower monthly payment on the loan. They only put {$890.00} in my new escrow account and my XXXX taxes are over {$4500.00} thus creating a huge shortage on my account. They indicate that they didn't know my taxes were that amount, but the county in which I live in Florida ( XXXX XXXX ) puts up the proposed tax information early in XXXX and in fact the information was on the County website. The closing of the loan was in XX/XX/XXXX, so all they had to do was look up the correct property taxes for XXXX before disbursing the funds. Now, I will have to pay out of my pocket close to {$5000.00} which include XXXX property taxes and Home Insurance for XXXX. This will obviously create a great financial hardship on me. I was informed that my accrued escrow amount would be rolled over, there was total of more than {$4000.00} in that account. I should not have to pay all this money due to their error and not verifying the correct tax payment for XXXX.
|
| 04/21/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Caliber Home Loans is attempting to foreclose on my home without following the proper procedure. After the initial complaints to the CFPB I continued to demand a single point of contact ( of which they supposedly said I was enrolled in ) without ever being given any contact information for a single point of contact. Caliber has made it impossible to attempt to talk to anyone about any type of loan mitigation process such as a loan modification. Beyond this we have not received a proper 20 day notice to cure, or a notice to accelerate the loan. We have also not received any proper 21 day notice to foreclose. As such Caliber is now pursuing an illegal and fraudulent wrongful forclosure.
Additionally I specifically sent them a certified letter explaining not to call any phone number for me on file, as I preferred all correspondence via letter for legal documentation purposes. They received this letter XXXX XXXX, 2015. Not only have they violated the FDCPA by calling multiple times after that date, they have also called at hours that the FTC has barred. For example on XXXX XXXX, 2015 I received a phone call from Caliber at XXXX. The the next day XXXX XXXX, 2015 I received another morning call at XXXX. Both calls were well before the XXXX allowed time for businesses to call consumers.
|
| 12/22/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
Hello, I established a refi on my mortgage with Caliber Home Loan in XXXX 2016, with 15 years refi rate lock of 2.75 % which expires on XXXX/XXXX/2016. I received my first loan disclosure on XXXX/XXXX/2016, which indicates a lender credit of {$2100.00} to close this refi before XXXX/XXXX/2016.
With anticipated refi closing date on XXXX/XXXX/2016, I have supplied all the documents in XXXX and follow-up documents in XXXX 2016. However, Caliber Home Loan 's underwriting process just keep delaying the loan closing date. Aftermath, they did n't schedule a notary to sign the closing documents until XXXX/XXXX/2016. Then they removed the lender credit of {$2100.00} at last minute! Before the final closing date, I still see the {$2100.00} lender credit on loan disclosure dated XXXX XXXX, 2016. Caliber Home Loan have removed this {$2100.00} lender credit on the date I signed my closing documents dated XXXX XXXX, 2016. This is outrageous that Caliber Home Loan removed this lender credit on the date I scheduled to sign the closing documents. Unfortunately, I have to sign amid they keep dragging and delaying the promised closing date.
My Caliber loan consultant is XXXX XXXX - XXXX, he is awared of this lender credit and delaying underwriting process.
Please help me.
XXXX XXXX XXXX XXXX
|
| 10/04/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Dear CFPB, I was told by Caliber Home Loans that during the Covid mortgage payment forbearance, that 7 months of payments that I deferred between XX/XX/XXXXand XX/XX/XXXX during the Covid pandemic on my Veterans Administration Loan with Caliber Home Loans would be put at the end of my mortgage term ofXX/XX/XXXX. It was explained to me that the 7 months of deferred payments would be added to the term ending date, so theoretically XX/XX/XXXX. I just received my loan 'Modification Terms ' from Caliber where they want to add another 25 months of payments to my loan!! My new loan modification date isXX/XX/XXXX!!!!! They lied to me and they have given me a trial period plan where my first payment due date isXX/XX/XXXX for my first mortgage payment since the deferral period that started inXX/XX/XXXX. I then make a second mortgage payment on XX/XX/XXXX which will complete the trial period before I sign my loan modification. My concern is that I need to make the payment on XX/XX/XXXXandXX/XX/XXXX which contractually is what they consider an acceptance to these new modification terms, but I will NOT accept the modification terms of ADDING ANOTHER 25 MONTHS OF MORTGAGE PAYMENTS WHEN I ONLY DEFERRED 7 PAYMENTS!!! PLEASE HELP THIS XXXX XXXX VETERAN WITH HIS VA LOAN WITH CALIBER HOME LOANS.
|
| 03/31/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I have a mortgage with Caliber Home Loans, since XX/XX/XXXX. The escrow amount for the mortgage had recently increased by about {$500.00} per month due to an increase in property taxes. The payment was {$2600.00} but increased to {$3100.00} effective XX/XX/XXXX.
While Caliber did notify me via postal mail, I did not notice that my payment was going to increase. I typically always pay more than the minimum amount due on this mortgage in order to pay it off sooner, but it wasn't enough to cover the new minimum payment due.
My normal payment of {$2700.00} was received by Caliber onXX/XX/XXXX, but was held in 'unapplied ' status until the remainder of the payment was received on XX/XX/XXXX.
And as you can see from the attached statement, it still is in some sort of limbo status, and my principal balance is not reflecting the payment. ***I have been accruing additional interest due to their failure to post the principle and interest payment when they recieved it on XX/XX/XXXX, and still not posted as of today XX/XX/XXXX.
Caliber made no attempt to call or leave a voicemail on my phone until XX/XX/XXXX.
I have never been late on a mortgage payment. And Caliber is being predatory with this late payment, that was due to a recent change in escrow and the minimum payment due.
|
| 04/13/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
There is a motion on XXXX/XXXX/XX/XX/XXXX @ XXXX XXXX county courthouse to reschedule foreclosure sale date based on 100 % illegal, fraudulent foreclosure. XXXX XXXX XXXX has sold, transfer or assigned this mortgage to Caliber Home Loans in XX/XX/XXXX.
1. Got out of non-jury trial XXXX XXXX, XX/XX/XXXX which I knew before walking into Judge chambers I was going to lose. To get an idea of what typically occurs @ these non-jury trials just imagine a handcuffed monkey trying to beat a Lion in a caged fight.
2. Five Year Statute of Limitations ( SOL ) Expired XXXX XX/XX/XXXX
3. One Hundred Per Cent ( 100 % ) Foreclosure Fraud : Forged and Notarized Original Mortgage signatures, Plaintiff lacks legal standing ( mortgage sold off originally by XXXX XXXX Bank to a trust ), robo signing. Their was the biggest lying straight face robo testifier from XXXX XXXX XXXX I have ever witnessed, it is sad and unacceptable how all their lies, fabrication were allowed into evidence while our strongest evidence by defendants Forensic Expert/Witness testifying original note is 100 % forgery denied her testifying at trial, XXXX due process.
XXXX law firm does all plaintiffs dirty work.
4. Force placed homeowner insurance obtained at illegal price gouging rates XXXX, XXXX times normal amount.
|
| 10/25/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Recently, our mortgage account was transferred from XXXX XXXX XXXX XXXX to Caliber Home Loans. Caliber Home Loans have rejected our payment claiming that the amount due is {$45000.00}. We entered into a contract with previous servicer and is therefore binding. I have attached the repayment agreement on which i have abided by terms under the new contract. The contract states the repayment plan expires on XX/XX/XXXX, yet caliber Home Loans are requesting an amount the does not comply with our contract. Caliber Home Loans have engaged in Floridas deceptive business practices. The servicer continues to deny that such contract exist and moving forward with the foreclosure action. On XX/XX/XXXX, i have been making payments timely accordantly to the contract, however the foreclosure case was never dismissed. When a defendants enters into a repayment plan the foreclosure action must be dismiss because the defendants have entered into a loss mitigation agreement with servicer. The foreclosure action has not been dismissed and Caliber is seeking a sale date yet i have been making timely payments since XX/XX/XXXX. We ask the Consumer Financial Protection investigate this matter, it is clear on its face that Caiber Home Loans have engaged in Fraudulent banking and business practices.
|
| 06/14/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I applied for a loan modification which was temporarily approved for 3 mos. The payments were being submitted as agreed. I attempted to make the 3rd and final payment but it was declined. Caliber Home Loans stated that they discovered a title lien on my property. I advised them that it was not me. My temporary modification was revoked. I did my part and reached out to the lawyer offices and XXXX XXXX XXXX XXXX XXXX. All companies involved agreed and stated that it wasn't me. However, Caliber Home Loans didn't take the time to investigate or contact anyone. They wanted me to produce a letter from a law firm stating the above. The law office in turn stated that for legality purposes they couldn't produce a letter since I wasn't a client and the mortgage company is well aware of this fact. The law office stated that all Caliber needed to do was call them to verify that I was not the person listed in the judgement. I resubmitted several loan modifications and an appeal which was denied. I was only given the option for a short sale or deed in lieu foreclosure. At this point, my home is about to foreclose simply bc of an error and someone failed to do their job. I'm currently working with a law firm who has verified that the lien isn't mine and helping me with some options.
|
| 08/29/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
At closing of my loan with Caliber Home Loans, Inc on XXXX XXXX, XXXX, for the amount of {$490000.00} - I was presented with a Compliance Agreement. I have no problems with compliance agreements to provide missing documentations but under this agreement, I as a borrower only have 7 days to comply with any request.
XXXX I have with this agreement is the small window I have to comply with this request. What happens, if I get a letter in middle of a vacation or business trip and I cant respond within 7 days? Under this agreement, my failure " shall constitute a default under this loan. '' This seems like a easy way for bankers take advantage of borrowers for noncompliance.
If I had known about this requirement with sufficient time to close, I would have never have gone through with this loan. Unfortunately, I had no time left to look for alternative funding options without my real estate deal falling through. Therefore, I was forced to sign this agreement to ensure I did not loss my {$10000.00} deposit as part of my sales agreement. I feel like the bank had me over a barrel and I had no choice but to sign this agreement. This agreement is 100 % in favor of the bank and offers zero protection to hard working consumers. I really appreciate you looking into this matter.
|
| 06/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
For reference, the mortgage providing company ( XXXX ) that I have been working with is a third party that connects me to other lenders. On the morning of XXXX, XXXX, on their website, I received a very attractive refinancing rate of 15yr at 1.75 % with a lending credit of {$6700.00}. A rate that they pull directly from the lending company ( Caliber Home XXXX ) that they work with. I applied for the rate and provided all the required paperwork for the loan. I signed a loan disclosure that contains the rate information. In the evening, I received a call from a credible loan officer saying that the rates provided to them from Caliber Home XXXX was a mistake. Caliber has published these numbers in the morning for 2 hours before realizing that it was a mistake and then took it down. I told the loan officer if he could look into it with Caliber to see if they would own up to their mistake and honor the rate that they advertised. Of course Caliber replied to the Credible loan officer this morning saying that they would not honor the rate. The difference between their current rate and the falsely advertised rate is about {$14000.00} worth of points. I have only attached the loan rate portion of the loan disclosure document since the document itself is above the size limit.
|
| 06/01/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
i have received conflicting information on what information is required of me, I have received numerous, ov er 20 conf using emails. I have received multiple phone calls for conference calls with mortgage companies only to be told that the mortgage company does not accept conference calls - all of this is done to delay the decision process. I have also had my privacy invaded, I provided checking account statements for the purpose of verifying the balance only to find that Caliber mortgage investigated all of my personal spending over several months and then they REQUIRE me to explain and substantiate my personal spending habits, spending that has nothing to do with evaluating my credit worthiness. I also believe that on ce Caliber Mo rtgage found out that I am employed by an XXXX XXXX , they systematically tried to find reasons to deny my loan, no doubt a form of subtle discrimination. I feel Caliber has evaded my privacy in doing an extensive investigation of my personal spending and then decide to discrimate against me because I am employed by an XXXX XXXX . I believe with my employment record and credit rating of over XXXX , any reasonable mortgage company would approve my loan. I believe there is a possibility of either discrimination or fraud at Caliber.
|
| 04/20/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
This is in regards to complaint # XXXX. I do not feel like Caliber Home loans has responded in a proper way with correct details, also they completely ignored the fact that the lender completely misled me as a customer. On FHA Mortgage 's it is required to collect all insurance in an escrow account, therefore they should have collected windstorm at closing. If they did not collect it at closing then they are implying it is not required and is therefore optional. For example if my property was located in a flood zone it would be required that I escrow flood insurance. If my property was not in a flood zone you would not require that I carry flood insurance and nor would you require me to escrow it. By that reasoning since Caliber did not collect Windstorm in my escrow account it either means one of two things which is that it is not required for me to carry windstorm or that it is not an FHA mortgage. Besides the FHA guideline issue that Caliber is ignoring, the mortgage lender that I dealt with directly clearly misguided me when it came to what my mortgage would cost. He should have known that this would happen, if he didn't know then how can he handle mortgages? This individual knew that my mortgage was going to be higher than what he quoted me but clearly hid it!
|
| 04/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I refinanced my loan with a mortgage company called XXXX mortgage and it is a cash out refinance. The title company called XXXX XXXX situated in Tennessee sent the pay off for my older loan with Caliber Home Loans on XXXX XXXX. They confirmed the account number and routing number to which the payoff to Caliber Home Loans was sent and we also got an a call with the customer service department of Caliber Home Loans to confirm the account details. Title company has a confirmation from their bank that the wire has been sent but Caliber Home Loans says they haven't received it and every time I have to speak with a new agent who makes me go through the whole process again of explaining the details and they are not looking into this issue. I am very concerned at this point as I am not getting appropriate help from my title company XXXX XXXX as well as the previous lender Caliber Home Loans to solve this issue.
I am not sure what could be the next steps for me as my credit report now shows 2 loans for the sane house now and will have to do 2 payments for no fault of my own.
Customer service is useless for me as of now and also none of the title company or mortgage company is helping me even trace the wire or letting me know what the next steps could be to resolve this.
|
| 01/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Caliber home loans are making people pay for things that they should not be paying for. I have a mortgage with them and they require me to have a homeowner 's insurance policy that includes coverage of certain things. The fact is that I also pay for insurance through my HOA that covers the same thing... my hoa policy is a HO3 ( exterior coverage ), so Caliber like other lenders should require me to pay for an HO6 ( interior coverage, which is a lot less ) policy only... .but they don't. They have obligated me to have both policies. I only found out after I purchased my home that this was the case. My neighbors do not have that problem with other mortgage companies. They are all paying for what they should be paying. I have called and wrote, wasted time and effort proving that they are the only one 's doing this and they do not care. They told me that if I cancel my policy that they would buy a new policy and that it would be more expensive and that there is no way around me not paying for it ... ..your only option with caliber home loans is to pay the property off or waste tens of thousands of dollars in unnecessary payments for the lifetime of the mortgage.
I can not imagine how many people are been charged double and do not know it.
This company is horrible!
|
| 12/07/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
I had a Real Estate mortgage with XXXX in XXXX. In XXXX I filed for Chapter XXXX Bankruptcy. In the Chapter XXXX Bankruptcy I surrendered the Real Estate Property to XXXX, the bankruptcy was discharged in XXXX, XXXX. In XXXX Caliber Home Loans, Inc. bought the Real Estate Loan from XXXX. In XXXX, XXXX I began receiving late statements from Caliber Home Loans. I had contacted Caliber asking that they stop sending me statements, that the loan was surrendered in Bankruptcy. I had gone to court on one occassion and informed the representative of Caliber Loans that we had surrendered the property. The attorney 's office was to inform Caliber. Caliber stopped sending statements. However, Caliber was reporting late payments on my credit reports. I called Caliber and told them that they could not report late payments on my report due to the Bankruptcy rule and gave them my case number. They actually refused over the telephone. As of XXXX/XXXX/XXXX, the Account Status on my XXXX Report was " OPEN '' and Payment Status was " LATE. '' Although Caliber Home Loans flagged my credit report on XXXX/XXXX/XXXX and states " account as BANK ADJUSTMENT / DEED IN LIU / BANK LIQUIDATION '' my Credit XXXX score is and has been affected all these months due to their negative reporting.
|
| 09/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I was contacted by Caliber Home Loans ( my existing Mortgage Company ) about refinancing to an FHA Streamline Mortgage, which I agreed to do. I had not yet made my XX/XX/2019 payment and was advised to not make that payment as I would pay that payment at closing. Closing was scheduled for XX/XX/2019, and I contacted my Mortgage company again to ensure that I didn't need to go ahead and make the payment. Again I was assured that the payment would wire and be paid before I was considered 30 days late. I paid my payment to the closer and the loan funded on XX/XX/2019. The payment posted on XX/XX/2019, causing my account to report as being 30 days past due on my credit report and my husband 's credit report ( XXXX XXXX ). I contacted Caliber today ( XX/XX/2019 ) to request that this be removed from my credit bureau report as I was advised this would not be an issue and reassured on more than one occasion. The agent advised me that due to FCRA, they can not remove this negative reporting and that collections continued to contact us during this process. I advised that the collections department did call my husband and he advised we were in the process of refinancing and their only response was that they are unaware of the process that goes on related to refinancing.
|
| 04/14/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have recently been declined for a loan due to Caliber Home Loans reported their account with my name being delinquent in access of 90 days or more. I 'm filing this complaint on this creditor for the last 5 months I have been disputing this creditor for malpractice in that this company persistently is deceiving the credit reporting agencies and the investigations conducted are not in depth to look in the history of this companies reporting. I have a credit report dated XXXX/XXXX/15 which has Caliber home loans last reporting XX/XX/XXXX in excess of 90 days. I have not received any correspondence from this company or it 's affiliates. This loan has apparently been transferred from another mortgage company XXXX which I have not been officially notified nor have I been notified from the current account holder. My last complaint to you Report number XXXX, XXXX, XXXX these are all saying that Caliber home loans are reporting to XXXX, XXXX and XXXX are reporting up to date as of XXXX 2015. How can a company last report XX/XX/XXXX and then after my information is updated can be current XX/XX/XXXX? That 's a total of 9 months lapsed!!!! How are the credit reporting agencies saying this is acceptable and in accordance with Fair Credit Reporting Act605-15 U.S.C. 1681c.
|
| 06/07/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage got switched over to Caliber home loans Inc. Mortgage Services as per XXXX 2016. I 've had nothing but problems with them. I have owned my house for 14 years and have had nothing but problems before and after they acquired my mortgage account.I have called them had spoken to costumer service they stated they do what they want not what I want and at the end of my inquire they ask me if there is anything else they can help me with, leaving me speechless. They do record the conversations and I do recall my conversations with them. Not applying funds on time, not complying with my request of payment history, annual report and all the activities recorded included late fees, attorneys fees applied to my account. Caliber Home Loan Inc. Mortgage Servicing refused to answer my question pertaining to my account. Caliber have refused to answer to my correspondence with inquiry pertaining with a double dipping payment caliber home loan is getting paid twice for the same negative escrow balance, not applying funds, submitting false allegation of missing regular monthly mortgage payments to chapter XXXX trustee for missing payments modification. It 's like they want possession of my home.Problems : Service issuesBilling collecting issuesCostumer Service issues
|
| 06/04/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I XXXX XXXX have been approved for a home loan modification with Caliber Home Loans Inc., through the efforts of a law firm known as the XXXX XXXX XXXX based in the state of California. After making my initial three modification payments, Caliber Home Loans , Inc. is now refusing any additional payments, including a certified check I sent during the month of XXXX 2017. I was only {$30000.00} behind in mortgage payments, and Caliber Home Loans is reporting on credit bureaus that I was {$140000.00} behind in payments. My problems began when I was almost killed in a work-related accident, however, I am fully back in the work force. Caliber Home Loans, Inc. is in direct violation of my rights under the Fair Debt Collection Practices Act, and not only do they have to accept my payments under the new terms of modification, but they must adjust my balance on credit accordingly. I have no other option but to submit my request for fairness directly through the CFPB as the XXXX XXXX XXXX has not acted quickly on this problem. I am well within my rights as an American consumer to utilize the services of the CFPB to help me rectify this serious problem. Caliber Home Loans, Inc. must accept my payments and abide by the modification agreement to be filed on public record.
|
| 01/29/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
My original mortgage at closing was about {$1800.00} I paid this amount for one ( 1 ) year. This included insurance and property taxes.
In XX/XX/XXXX, I received a shock! The mortgage company neglected to put in the MUD taxes in the note resulting in a $ XX/XX/XXXX increase in payments. This was a deceptive practice because being a retired police officer, I would not have purchased this home. I called everyone to ask why wasn't this amount put into the closing documents when my payment was estimated. No one knows the answer. It seems that I'm in this municipal district in addition to my property taxes. How in the world can that happen. anyway in order not to lose my home, I borrowed the money off my credit card and paid the taxes on the house directly. I then asked the mortgage company to adjust my escrow for this year.
Now they are threatening me with foreclosure. When I sent in my payment of {$1800.00}, they applied it to the escrow without my permission. I have sent the mortgage payment the same way for the past year but in order to continue this unfair tactic, they applied it to escrow. I guess they make a lot of money off interest in escrow. Now they want {$4000.00} f0r the mortgage payment. I need them to adjust the escrow so I can pay the mortgage.
|
| 12/31/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I recently ran my credit report and was shocked to see adverse history related to our Caliber mortgage. I have never been late yet Caliber shows that our payment was late in XX/XX/2019. I called the entity who confirmed the problem was because my monthly escrow required payment increased and I had failed to adjust the monthly bill pay to account for that adjustment. The company then confirmed that they submitted my customer notification to the wrong address. Their mistake has had a negative impact to my credit score and Caliber refused to adjust on their end.
Caliber 's unwillingness to correct their error is shocking and I am worried for other consumers who do not pay attention to their credit report. As a practicing XXXX, I take these matters seriously and hope the CFPB can put a stop to Caliber 's illogical ( and potentially illegal ) processes and procedures.
In summary, I have paid my mortgage on time while Caliber failed to properly notify me of an insignificant increase to the property tax component of my monthly payment thereby reducing my credit score.
Separately, it would be ideal if your organization could determine how many Americans have experienced an adverse impact to their credit scores due to Caliber 's unethical business practices.
|
| 05/01/2018 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I have been a first time home buyer since XX/XX/XXXX my initial mortgage was through XXXX It was sold soon after to Caliber home loan. I made consistent payments to for the loan since I've had my property. I started a refinance process Caliber back in XX/XX/XXXX I was alarmed because the initial loan officer XXXX XXXX submitted than drop my application and re ran my credit giving me two inquires. I allowed some time from now until then to pass and consider the option again after Caliber alerting me that I still qualified for refinance, wanting to pay some debt down with the equity in my home I started working with a new loan officer XXXX XXXX she started the application process for me again reassuring me that all would be taking care of and moving expediently fast to me making a payment for the appraisal of {$99.00} dollars because they had a prior approval for my refinance to now no contact of any sort and a letter of withdrawal that I never made to the company. this recent application has dragged my credit score down drastically and has left me with no communication for anyone on Calibers end. its very unfortunate that this company is allowed to treat there customers in this manner when we are making payments and effected personal by credit reports
|
| 12/12/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
I 'm currently in chapter XXXX bankruptcy. My mortgage was serviced by XXXX Transferred to Caliber Home loans.On XX/XX/XXXX I received a notice from XXXX that I missed 16 mortgage payments for my first mortgage.I called and spoke with a customer service and he explained to me my payments for the first mortgage we 're incorrectly applied to the second and they would transfer the payments back to the first and all would be current. Three years later at the end of my Bankruptcy Caliber home loans my new servicer answered the final cure payment stating that I 'm not current on my mortgage and I 'm {$16000.00} behind on payments. I called explained to Caliber on two occasions and in a email for payment history from XX/XX/XXXX until XX/XX/XXXX and was told they could n't provide that for me.I also emailed them which they answered and once again in a email stated they could n't provide info for me to call them.I proceeded to call them and they stated for me to ask my trustee for any info owed I explained in detail that 's not what I 'm requesting I need the info for the Second mortgage and they refused.My lawyer also asked their lawyer and they stated they could n't get me the info requested.This is why I 'm looking for information by submitting this form.
|
| 05/12/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have had an ongoing issue regarding my mortgage which ended up with Caliber, prior to which it was with multiple other services.
For some reason, over the years, I find that forced property and flood insurance ends up on my account. This has happened not only with Caliber but servicers prior to Caliber, even though my property is not in a flood zone.
Forced placed insurance was recently put on by Caliber in early 2015, after which I called them and told them about the problem. They admitted their error and insisted that the loan had to be " modified '' in order for the forced place insurance to be removed. Even though I volunteered to make my monthly payments as usual, the rep told me that during the modification, I am not to make any payments and that I would be contacted once the modification had been completed to alert me payments were due.
I was sent statements and began to make payments when my loan was modified after XXXX 2015. However, on recently checking my credit report I found that Caliber has marked me 90 days late from XXXX 2015 on my credit report. I have brought this issue up with Caliber recently, unfortunately their loan modification department replied that they had accurately reported the account as late on my credit report.
|
| 07/25/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have been working with Caliber home loans since XX/XX/XXXX in trying to obtain a loan modification. I have submit every single document that has been requested since my initial submission. I have received mailings on multiple occasions stating that my loan modification packet was complete and going to underwriting for review. Shortly after I would receive requests for additional information. After complying with all of the requests, the file was never decisioned. I was told I had to resubmit everything because the documents expired. This went on for 16 months straight. All the while I was in the XXXX County Foreclosure Mediation Program. Finally when the mediators set the case for a formal hearing on XX/XX/XXXX. Right before the formal hearing I finally received a decision letter. The loan modification was denied and I was denied all home retention options as my arrearages grew larger than FHA 's partial claim would allow. Caliber is at fault for neglecting to review my complete applications timely. I was prepared to begin making mortgage payments again as soon as the first application was submit. I am so disappointed in the actions of this servicer. Due to the length of time they wasted, I am now in close danger of losing my home to foreclosure.
|
| 11/25/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XX/XX/XXXX My complaint concerns two issues with a mortgage service company : 1. ) In an attempt to collect a mortgage debt from me the mortgage servicing company directed a company that broke into my home and locked me out. This case was summary judged in their favor in Superior Court XXXX. I disagreed and appealed that decision. The verdict was reaffirmed by the Supreme Court in XXXX last week on XX/XX/XXXX. I have attached a similar case from Washington State that verifies the opinion that I contend as decided by Supreme Court Justices in a similar lien theory state like RI. My only option aside from your office is to bring this to the US Supreme Court. I respectfully seek your assistance with this.
2. ) The mortgage company committed perjury in this case ; they provided an Affidavit to the Superior Court that mortgage payments were not being made at the time they locked me out and on another occasion they had entered my property. I have attached a detail of proof from RI Housing Mortgage which assisted me during those periods between XXXX and XXXX with XXXX XXXX XXXX XXXX payments which were disbursed on my behalf to the loan service company, accepted by them however not properly applied to my mortgage account. Please advise. Thank you.
|
| 01/28/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
This is my second complaint for an ongoing issue. My first complaint # XXXX has not been settled. I declared bankruptcy in XX/XX/XXXX. My case was closed in XXXX of XXXX. Caliber Home Loans still refuses to lift the hold on my account. I have no access to my account. No statements or online access. I pay an amoumt every month not knowing if it is correct ir not. They have blatantly disregarded correspondence from my lawyer stating that they are in violation on the NY State bankruptcy codes. How do they get away with this????? I never missed a payment in 8 years. The only way I can pay them is through my bank 's bill pay option or I can pay on the phone for a XXXX dollar fee. This is my home!!! They keep saying that an abandonment of property was never filed. The NY State trustee on my case informed them that no such document is required once the case is closed. Yet they refuse to grant me access to my account. I have not seen a statement since XXXX of XXXX. I am beyond XXXX about this. On top if this my mither passed away in XXXX of XXXX and they are still sending tax documents in her name and sicial security number. They were sent her death certificate a year ago and I have called XXXX other times about it. How can a company get away with this.
|
| 03/11/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have a letter prepared, including all documentation, to support my complaint which I want to upload to your website.
The complaint was previously submitted to the CFPB on XX/XX/XXXX and was received by the CFPB on XX/XX/XXXX which is also included in the documentation with a tracking document.
The company I am filing this complaint against is Caliber Home Loans , Inc . The loan # is XXXX. The complaint concerns additional payments I made to my account for escrow which Caliber Home Loans claims their policy is to not accept additional escrow. However, Caliber did accept additional escrow in the amount of {$100.00} to my account in XX/XX/XXXX. They refused to accept additional escrow of {$400.00} which I paid in XX/XX/XXXX claiming it is against their policy. There is nothing written in my loan agreement with Caliber that additional escrow is not allowed or accepted. They also would not return the additional escrow I paid until I requested an official escrow analysis although is evident on my XX/XX/XXXX statement that additional escrow was just setting in an account and not being applied to anything.
My docs and letter are attached but I had to break them up into 4 separate files since your system only accepts 10 MB per file.
XXXX XXXX
|
| 10/10/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
We have requested a loan modification twice from Caliber Home Loans within the last few months. They have denied us both times due to insufficient income. The first request we made was missing our rental income so we were advised to reapply which we did. The second application was denied for the same reason, and the appeal was also denied for the same reason, even though our income is now $ XXXX more than our debts. We initially fell behind because of a loss of income which has now been rectified. Also, our temporary modification we received from Caliber expired which increased our monthly mortgage payment from {$1800.00} to {$2400.00} per month. We are requesting for Caliber to review the attached documents again since their denial reason was incorrect. They also denied us due to their appraisal results showing that the home balance is 67 % of the appraised value of {$300000.00}. We are also disputing the appraisal amount. We recently received a letter from Caliber Home Loans stating that our loan balance is $ XXXX, but when we called in to inquire about the balance owed they were unsure how that balance was calculated. We definitely qualify for the 5 year loan modification extension and are requesting Caliber Home Loans to honor this request.
|
| 10/20/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
In XX/XX/XXXX, we requested a forbearance. In XX/XX/XXXX, we started paperwork to reinstate our loan. We were denied a loan modification but received paperwork for a Partial Claim. We returned the paperwork, signed and notarized, by XXXX XXXX XXXX was received and signed for 2 days before the due date. Approximately 45 days later, we had not received notification regarding the claim. The phone rep told us they did not have the claim in their system and we were denied. I emailed a copy of the original document which was XXXX XXXX XXXXXXXX and a copy of the proof of receipt from XXXX XXXX with the signers name and time of delivery. We've called XXXX times per month since XXXX. None of the reps have been able to give us a straight answer, and can only take payments and " put notes in the system ''. They can not transfer us to a manager or someone who can help us fix this situation. We have made our regular mortgage payments since XXXX, but they are not going toward our mortgage, they are sitting in an unapplied funds account. We've called and emailed numerous times, but haven't been given any options as to how we can get our loan back on track or how we can re-submit our Partial Claim paperwork. We're just sitting in limbo with no one to help us.
|
| 04/29/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I had a forbearance on my mortgage payments for Hurricane Irma. In XX/XX/XXXXI called to start paying my mortgage. Was told by the teller named XXXX that there are only 2 options coming from FHA. One is a Cap and Extend which will modify the loan, the other is a lien on the house for the amount due during the forbearance. I was guaranteed by 3 representatives that these were the only options available and everything would be settled in 30 days max. I got a call from Caliber Home Loans a couple of weeks later telling me I was denied for all options and would have to start the process all over again. They never informed me that denial was a possibility. To the contrary they said everything would be complete in 30 days max. Now, in this time I have arranged for loan with the SBA disaster loan department for {$40000.00} and a lien on the home. I'm being told by the mortgage company that this lien will not stand because my home mortgage will be modified and a title search will be run, and when they run title and see a lien for {$40000.00} on my home they will not modify it again. I don't have the money to pay back now and becuase I relied on the statements of the company ( nothing was given to me in writing ), I might not be able to pay them back.
|
| 12/15/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I took out a mortgage for $ XXXX with XXXX in XXXX. I have made all my payments on time but they have been misapplied by all the alleged servicers since then. In XXXX a fake straw software company called the XXXX XXXX XXXX XXXX , XXXX tried to assign my deed of trust. ( Exhibit C ) Then in XXXX another fake XXXX and XXXX XXXX XXXX again tried to assign my deed of trust ( Exhibit D ). Then at the beginning of this year XXXX, another fake servicer called XXXX XXXX XXXX attempted to assign my deed of trust. ( Exhibit B ). They allegedly made XXXX XXXX XXXX, XXXX. the " Trustee '' but there is a clear conflict of interest and XXXX XXXX XXXX, XXXX. has denied any involvement in my loan. My deed of trust on p. 24 ( attached ) specifically states that only the LENDER can substitute the Trustee. To date I do not have any evidence who the " LENDER '' really is. In fact, none of these private debt collector companies are the LENDER.These companies including the Trustee XXXX XXXX XXXX, XXXX. have not sent my Attorney the requested documentation. ( See letter dated XXXX/XXXX/XXXX attached ). They have not given me an updated running balance of all payments made to date, which leads me to believe all this is fraud and would like for the CFPB to intervene.
|
| 04/20/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
As of XX/XX/2016 my ( {$38000.00 } ) 20 yr. mortgage loan was suppose to be paid off with CIT/Caliber Home Loans. They are now telling me that it is a simple interest loan and interest is accrued daily on top of the interest and I still owe {$15000.00} even though I have made the 240 payments that my promissory note states. They do not give me a timeframe of how long this will take, because of the daily interest. My interest rate for the la st 20 yrs has been 10.85 % and payments have been made in a timely manner to them. I originally got a loan from XXXX XXXX and then it was sold to Caliber Home Loans. I have contacted them many times the last few years telling them that at the rate I am paying, this loan will not be paid off when loan states even if it all went to the principle amount. They just kept telling me it would be. Now that it should be paid in full, they say it is because of this daily simple interest charge, which I do not see anywhere in my contract. I dont feel I owe them anymore money and am at wits end trying to solve this. I have talked to someone about refinancing just to drop the interest rate but they too feel this should be paid in full and gave me this website to maybe get some help in resolving this matter.
|
| 05/08/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I have been making regular payments on my mortgage serviced by Caliber Home Loans. Back in XX/XX/XXXX the escrow was ajusted of which I have no record of receiving and I am in a Winter home at that time so the mail was an issue. However once I was aware I made every effort to correct and with each payment that was not the full amount of the payment they conviently placed in a suspense account and began posting late fees etc, I have since been in contact with them in both XX/XX/XXXX and again in XX/XX/XXXX with the same response " your payment was late '' not once was the payment late. They have reported to credit agencies that the payment was late. I sent in additional payments to correct and am still told I have not made my payment. I call d again on Friday XX/XX/XXXX with no satisfaction, I then asked to speak with a supervisor and was told it may take 24 to 36 hours and I was fine with that. On Monday I recieved a message on my phone from XXXX and I calle d back to a machine so I left a message to please call between XXXX and XXXX so I could have everything in front of me. I received no call back. It is now XXXX no call. I believe what they are doing with these payments is illegal. They are forcing late fees to hit.
|
| 02/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
See Complaint ID XXXX. The taxes have not been paid as of today. Taxes are now in collection at the court house and have incurred over {$800.00} in penalties and interest. I am now concerned that this is affecting my credit score. Concerned that my property will be put up for sale for tax collections. I have never missed a payment. I have now involved the State Department of Banking. The on-line escrow with Caliber only shows history back to XXXX, 2021. I have requested a detailed escrow statement showing all transactions since they have owned the loan ( XXXX, 2021 ). Have been told that this will be emailed to me within the next couple days. Have spoke with Caliber 11 times, been hung up on once and told that a supervisor would return my call but never did. Spoke with tax authorities more than twice and confirmed that Caliber has never called, left any messages nor attempted to make any payments. I have discovered via the XXXX website that I am not the only one having this problem with Caliber. Also discovered that Caliber 's license has been revoked in the state of California. I have issued a complaint via the XXXX as well. I would refi my loan with another company if I could get the same 2.75 % loan but that is no longer an option.
|
| 08/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Due to COVID, I lost my employment. As soon as the CARES Act was created by the government, I applied to receive delayed payments in XXXX. Caliber Home Loans approved of my application, and my mortgage payments were entered into forbearance guaranteed by the CARES Act.
I was issued a ninety day forbearance. When that was about to expire, I called Caliber Home Loans again in XXXX, and I was issued another ninety day forbearance period. My forbearance was guaranteed until XXXX.
I sold my house on XX/XX/XXXX, while still under forbearance. Yet, my credit company notified me that my credit report now had a 90 day delinquent payment reported to them.
I contacted Caliber Home Loans to make them aware of this, but they refused to change it- despite the documentation that I have to prove that I was in forbearance under the CARES Act during the missed payments.
I have settled the loan- paying it off in full prior to the expiration of my forbearance. Therefore, there were no delinquent payments, and I would like to have that removed from my credit report.
Please see attachments for proof of my correspondence with Caliber Home Loans, the payoff requests, the fact that I was in forbearance and any other pertinent information. Thank you.
|
| 06/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XX/XX/XXXX we paid XXXX for an Appraisal to get PMI removed. Caliber Homes asked us for more information in XXXX XXXX. They refused to take any information over the phone or by email. So we mailed it in not once but twice. They received the Appraisal back on XX/XX/XXXX or XX/XX/XXXX. When calling to check on the status I was told someone would call me back but they never did. On XX/XX/XXXX after a few calls, I learned they do have everything and our current ratio is 81.3 Percent. It needs to be 80 percent to have PMI removed. Today on XX/XX/XXXX I received a letter from Caliber Homes wanting me to send another XXXX and to start the process all over again. So I called back and again no one will talk to me and was told I am still missing information. That they sent a letter on XXXX requesting that information. But on XXXX I was told all information was there. My current ratio is 81.3 Percent so they should not need any further information especially since I was told everything was there on XXXX. They refuse to call me back and remove PMI. We have been going rounds since XXXX XXXX. Since then our house has gone up and I have a letter from the County assessor 's office that values my house higher than what I was told by Caliber Homes
|
| 10/12/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I purchased my home in XXXX. At that time, my legal name was XXXX XXXX XXXX. In XXXX, I filed chapter XXXX bankruptcy. Since I had XXXX mortgages, the XXXX ( The XXXX XXXX ) was discharged. Since, they have sold to Caliber. I learned last week that Caliber has marked the account as active and state that I owe approx. $ XXXX. I have called numerous times. The automated system does NOT recognize my ssi number, nor loan number. The only other option is to dial the ext of the person you wish to speak. I CA N'T get through to a live person. I sent an email and received an automated response saying they will reply in the legal amount of time. What is the legal amount of time? I had a loan officer call. She was able to speak to a supervisor who argued with the loan officer. The representative stated they will take the FULL 30 days before responding. This is clearly an error. The only thing received since bankruptcy was a XXXX for tax purposes, clearing the debt. I have never received anything since. I just want this corrected immediately and off of my credit report. I am not sure if XXXX forgot to mention bankruptcy or if Caliber did this on their own. Bottom line, I need this to be corrected immediately. This is horrible customer service.
|
| 01/09/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Since I have over 22 % equity in my home, I no longer am required to pay mortgage insurance. I requested to have the mortgage insurance cancelled, but Caliber denied the request without providing an explanation. Also, since I have over 22 % equity in my home, it is no longer a requirement that I make escrow payments to Caliber for homeowners ' insurance. I requested Caliber to stop charging me for these escrow items. On XX/XX/XXXX, I spoke to an employee named XXXX. XXXX said that Caliber will continue to change me for the escrow items, to include the homeowners ' insurance and that my request to discontinue escrow payments has been denied by the management of Caliber Home Loans. XXXX 's operator ID is XXXX. I asked XXXX why the XXXX homeowners ' insurance payment was not made to the insurer, XXXX XXXX. XXXX stated that Caliber Home Loans is going through bankruptcy and payments to all insurance companies had been suspended indefinetely. Despite faithfully and consistently making the escrow payments throughout the year, Caliber did not pay the homeowners ' insurance. The homeowners ' insurance was cancelled by the insurer with an effective date of XX/XX/XXXX. I had to pay the premium of {$2100.00} to XXXX XXXX out of my own pocket.
|
| 09/09/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Hello, on XXXX XX/XX/2020, I called Caliber Home Loans # XXXX about my escrow funds. Please note that my mortgage was paid off via a wire transfer on XXXX XXXX XXXX.Typically, wire transfer clear up in three business days between different institutions, which I contacted my new servicer, XXXX XXXX and they confirmed that the transaction was cleared. I also verified with the county of XXXX XXXX, where my property is located and my taxes are up date and have the new servicer 's information. In addition, I contacted my hazard insurance company and they also have the new servicer 's information and my insurance policy is also up date.
When speaking to several clerks and two supervisors at Caliber Home Loans they all dragged me along the same theory and avoided to provided an actual status of my funds. All they kept on repeating was 21 days. I find this egregious and deceiving practices towards consumers. I feel that I have the right to know the status of my funds and I also feel that my funds should be returned to me the soonest, not when some institution feels like doing it. They should have the power to hold my funds hiding behind some internal policy when all has been cleared on my account. I respectfully request an explanation.
|
| 03/06/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
I entered into a HELOC with the XXXX XXXX in XX/XX/XXXX. XXXX put a lien on the property at the concurrent with the execution of the HELOC documentation. Later that year, I was forced to file a Chapter XXXX Bankruptcy due to the failure of my business, and I received no further communications from XXXX. In XX/XX/XXXX, My wife and I each received an IRS Form XXXX ( Cancellation of Debt ) from Caliber Home Loans indicating that the debt had been cancelled. I did an on-line search for Caliber and called the Caliber Customer Support number to clarify what the XXXX was and to request that the original XXXX lien be lifted. I assume that Caliber bought the debt from XXXX. The customer service rep could not find any listing for this loan in their data base and gave me a number for the lien/debt collection department. I called this number, got put on automatic hold, and eventually was disconnected. I tried calling 4 more times with identical results. I included the XXXX in my personal income tax filing for XX/XX/XXXX. I now have my house up for sale and have gone through a local Title Company to assist in getting the lien lifted. The Title Company was told by Caliber representatives that company might reinstate the debt collection effort.
|
| 07/11/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
From Friday, XXXX XXXX, 2016 until Friday, XXXX XXXX, 2016, XXXX XXXX XXXX XXXX and Her True and Lawful Attorney-in-Fact XXXX ( hereinafter " XXXX '' ) has made it crystal clear via faxes sent and eighteen phone call conversations with CALIBER HOME LOANS, INC., during the timeline as stated above that XXXX XXXX XXXX has been deceased for approximately three years and eight months, and secondly, the property that CALIBER HOME LOANS, INC., is attempting to attach to CALIBER CONDUIT ACCOUNT NO. XXXX, is not and has never been property that was or is a part of THE ESTATE OF XXXX XXXX XXXX. ( open first " XXXX Attachments. '' ) CALIBER HOME LOANS, INC., was also clearly notified on Monday, XXXX XXXX, 2016, via a " GENERAL POWER OF ATTORNEY '' that no USPS mail or any other mode of mailing shall cease and desist from being shipped to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, but CALIBER HOME LOANS, INC., has now violated the FAIR DEBT COLLECTION PRACTICES ACT twice by shipping USPS mail to mailing address as stated above, instead of following what the GENERAL POWER OF ATTORNEY clearly instructs, which is to mail to XXXX, XXXX XXXX XXXX, c/o XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. ( open " Fourth Attachment. '' )
|
| 10/28/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
Please help me at Caliber Home Loans. everyone I speak to is trying to help but simply can not provide the necessary info. I need to have a simple letter / email drafted by your company saying one of the Lein mortgages ( one filed incorrectly by Caliber ) will be released from docs already submitted to and by you and even sent to me via an agent of yours. I am on day 18 of being in contact with your single point of contact and even a level 2 Mgr ( XXXX XXXX XXXX ) who is by the way amazing! ) Everyone seems to be doing all they can but no one is owning this. I dont understand how hard it can be to simply write an email to me explaining one of the mortgages above was and will be released? I just left the hospital and is still under doctors care, in bereavement, unable to work, going thru potential divorce, trying to close out a home after simply using your Covid forbearance Im at wits end. And I have worked within XXXX XXXX for years at the XXXX and XXXX level. I cant imagine if this was someone else. By the way, kudos to your agents/ reps/ mgmt etc who tried all they could but simply were not able to provide a statement that caliber even plans to release the partial claim leins filed under FHA case in XX/XX/2021 and XX/XX/2021.
|
| 12/18/2018 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
On XX/XX/18 I discovered that Caliber home loans XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX, XXXX XXXX XXXX have put together a loan package in my name with personal information stolen from XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX. This illegal loan was originated by Mr XXXX XXXX lic # XXXX, NMLS # XXXX, of Caliber home loans, our ( my XXXXyr old ) was given to Mr XXXX XXXX by XXXX employee XXXX XXXX ( loan officer ) who was terminated by XXXX on XX/XX/18, Mr XXXX XXXX is and was unlicensed in TN. My FTC complaint # XXXX my XXXX complaint # XXXX my cfpb reference # for XXXX XXXX-XXXX. I have had to freeze my credit right in the middle of the home search. My identity and credit are now in permanent Jeopardy and have suffered irrevocable harm by being passed around. I have never met Mr XXXX XXXX and have never heard of Caliber home loans. I did not give anyone permission to run credit and I have not filled out any mortgage applications with XXXX or Caliber home loans. This loan package was then transferred back to XXXX by XXXX XXXX, ( where our information was stolen from in the first place ) onXX/XX/18. The personal information was given back to XXXX in PDF form, it was stolen from XXXX in paper form ( hard copies ).
|
| 03/29/2018 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I am trying my best to obtain a mortgage to move into a new home and some late payments are coming up on my report that are making it difficult to be approved. The mortgage this related to was my first property and first time being a landlord and I was really inexperienced with the damages that could be caused in the future in losing tenants, late payments, and the delays that can happen in trying to sell a property.
Below are the months and dates that i would like to considered to be removed from my report Date : XX/XX/2017 Amount : {$1600.00} Actions taken by company : XXXX late payment reporting Was Amount Paid : Yes Reason for Lateness - loss of a tenant Date : XX/XX/2017 Amount : {$1600.00} Actions taken by company : XXXX late payment reporting Was Amount Paid : Yes Reason for Lateness - loss of a tenant Date : XX/XX/2017 Amount : {$1600.00} Actions taken by company : XXXX late payment reporting Was Amount Paid : Yes Reason for Lateness - Property sale closing was delayed past the agreed date with the buyer Date : XX/XX/2017 Amount : {$1600.00} Actions taken by company : XXXX late payment reporting Was Amount Paid : Yes Reason for Lateness - Property sale closing was delayed past the agreed date with the buyer Thank you!
|
| 12/16/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
`I am trying to do a repayment plan with Caliber Home Loans.
I have called in many times and was told I was " approved for a 12 month repayment plan '' They told me the downpayment of {$70000.00} must be in by XXXX XXXX ( I was told the letter is in the mail and I should receive it on XXXX XXXX a day after it is due to be there ) as of now II have received no paper work from them at all. I am reluctant to release {$70000.00} to them with out anything in writing stating that the NOD will be removed, further they said I must pay $ 9600 month on the balance owed which should be {$39.00} and should be divided by 12 months.which comes to much less that {$9600.00}. the reason why I asked for a 12 month repayment plan was to have affordable repayments. It turns out that they are charging me more money than the statement says I owe and they are charging me late fees for the months I am behind in addition to the late fee on the statement charging me for those same months. They also are computing the 12 month repayment plan on 11 months which is unfair and raises the monthly payment. I am unable to talk to anyone besides a point of service person who tells me that all the numbers are computer generated and no one can make any changes.
|
| 11/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I started a loan process with Caliber Homes the Loan officer was XXXX XXXX. The start of this loan was in XXXX, and he has delayed in correspondence as well as communication. I was due to close 5 different times, each time Mr. XXXX had a different answer. He also seems to be very Bias towards making the loan happen. He continuously sends me emails each time with the same questions. I have reported him to his company, he seems to be accusing me of not be a hard-working XXXX XXXX woman. He seems to not believe that someone can actually get up and go to work each day not working one, not two but three jobs. He has accused me of acquiring funds in an unlawful manner. He has not been honest with me, and I am about to loose the sale of this home as the seller has waited 4 months for Mr. XXXX who appears to be giving us the runaround. He has shown no discretion in my loan. He has contacted every employer at my firm as if I was lying about my employment and my income. I have been more than fourth coming with all of my finances and still, he seems to be showing me a lot of XXXX. I have written formal letters and still, he finds a reason why I shouldn't be a homeowner. I am so upset at this point and would like to take legal action.
|
| 09/21/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
I filed a complaint, CFPB XXXX, against Caliber, # XXXX, months ago, received a " satisfactory '' response ( $ XXXX ) from VP Assistant XXXX XXXX on XXXX XXXX.
I changed insurance companies from XXXX XXXX $ XXXX ) canceled on XXXX XXXX, 2015, engaged XXXX on that same date and was quoted {$2000.00} on XXXX XXXX. They sent Caliber a proof of insurance letter in XXXX XXXX {$2000.00} ) but later they raised the premium ( {$2400.00} ) and I canceled on XX/XX/XXXX, I started XXXX homeowners on in XXXX XXXX ( {$1700.00} ).
I have sent Caliber {$4900.00} to clear insurance refunds along with my monthly payment XXXX {$850.00} XXXX every month, they misapplied the escrow funds, chaos ensured.
I have just received a mortgage statement XX/XX/XXXX from Caliber charging me a {$1200.00} monthly payment due XX/XX/XXXX and I had a past due of $ XXXX outstanding principle has increased from {$110000.00} in XXXX to {$120000.00} today.
I paid Caliber the refunds due them and lowered my cost of insurance from {$3000.00} XXXX XXXX to XXXX XXXX to {$1700.00} and my payments increased.
My calculations show me paid up-to-date and my escrow at a surplus of about {$600.00}. I have asked for and received no information from them. Can you help?
|
| 08/27/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
In XX/XX/XXXX my mortgage was sold by XXXX ( XXXX ) to Caliber Home Loans. I had been working with XXXX to catch up with a couple of missed payments ( in XXXX ) when ( also in XXXX ), the mortgage was sold to Caliber. In XXXX, I caught up on my payments and brought the loan current. In late XXXX, Caliber began to claim that when they purchased the loan from XXXX, there were unpaid property taxes and several months of missed mortgage payments due. I strongly argued that I did NOT owe anything else and provided proof on multiple occasions. See the plethora of attachments for complete history. Caliber would not accept what I kept telling them as truth and in early XX/XX/XXXX began returning my mortgage payments with notes that I owed more than the monthly payment. I have now been served with a foreclosure notice and am in desperate need of assistance. I am at a loss of how to proceed. The toll this situation has taken on me personally and financially is immeasurable. I ca n't sleep. I have been communicating with Caliber for months with promises they would make things right, but I can not get anyone to " hear '' me or respond to my multiple fax and fed ex package delivery of proof. The documentation is attached as requested.
|
| 03/09/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XXXX Sold My Mortgage to XXXX XXXX Serviced by Caliber Homes. I Had Credit Life and Disability with XXXX, they Foreclosed was about to Lose so they Withdrew, and 5 Years Later with No Payments, and No New Contract Signed, and No Money Paid to bring Claimed Arrears Current, they Sold My Mortgage to XXXX XXXX! There Has been Several Class Action Law Suits Against XXXX. if XXXX had Not Sold My Mortgage My Wife and I Could have Been a Part of the Class Action Suits! so We were Cheated Again we went to Court XXXX XXXX Ohio XXXX on XXXX Judge XXXX XXXX Could See by His Own Review The Numbers Were WRONG Also if My Attorney XXXX XXXX had Not went XXXX XXXX and Presented My Payment History The Judge Could have seen I was Being Cheated Every Way Possible. XXXX XXXX XXXX XXXX XXXX is a Subsidiary of XXXX and if You Review them You Will See they are Being Sued and are No Longer Offering Credit Life and Disability. XXXX XXXX Purchased My Mortgage in a Portfolio of Mortgages to Make a Profit Bragged They Paid Pennies on the Dollar and Offered Me a Settlement of XXXX When i Only Owed XXXX if XXXX Would Have Processed My Claim Correctly i would Not have Paid on my Account from XXXX Instead i Payed until XXXX So They Owe Me XXXX Back.
|
| 03/06/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
I entered into a HELOC with the XXXX XXXX in XX/XX/XXXX. XXXX put a lien on the property at the concurrent with the execution of the HELOC documentation. Later that year, I was forced to file a Chapter XXXX Bankruptcy due to the failure of my business, and I received no further communications from XXXX. In XX/XX/XXXX, My wife and I each received an IRS Form XXXX ( Cancellation of Debt ) from Caliber Home Loans indicating that the debt had been cancelled. I did an on-line search for Caliber and called the Caliber Customer Support number to clarify what the XXXX was and to request that the original XXXX lien be lifted. I assume that XXXX bought the debt from XXXX. The customer service rep could not find any listing for this loan in their data base and gave me a number for the lien/debt collection department. I called this number, got put on automatic hold, and eventually was disconnected. I tried calling 4 more times with identical results. I included the XXXX in my personal income tax filing for XXXX. I now have my house up for sale and have gone through a local Title Company to assist in getting the lien lifted. The Title Company was told by Caliber representatives that company might reinstate the debt collection effort.
|
| 10/24/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Caliber Home loans, inc., is reporting to all three credit reporting agencies 1 ) XXXX XXXX 2 ) XXXX 3 ) XXXX, that I have ( 2 ) two ( 30 ) thirty day lates. This is simply not true. I pay my mortgage on line on their site within the ( 30 ) thirty day billing cycle each month. The first ( 30 ) thirty day late was reported in XX/XX/2019, when I made my payment on XX/XX/2019 and Caliber Home Loans chose to post my payment on XX/XX/2019 making it appear as though I was more than ( 30 ) thirty days late. The second time I paid my mortgage on XX/XX/2019 and Caliber Home Loans chose to post my payment on XX/XX/2019 which is still within the ( 30 ) thirty day billing cycle. Caliber Home Loans is making a pattern of this behavior intentionally reporting erroneous information to the credit reporting agencies, damaging my credit and ability to refinance my home with Caliber or any other lender. I have written to the California state attorney general about the first incident in XX/XX/2019 and Im going to write another letter concerning this second incident in XX/XX/2019. This practice and behavior of reporting erroneous information to credit reporting agencies is damaging to me and it inhibits me from moving forward financially.
|
| 05/25/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/XXXX, I received a letter from XXXX XXXX, XXXX proving that my account is owned by XXXX XXXX, XXXX XXXX XXXX, XXXX, Washington, DC XXXX, Tel. ( XXXX ) XXXX. The Federal Authorities are presently investigating all these accounts opened and unlawfully using my name and Social Security Number, as well as the different versions of my Note.
Also, XXXX confirmed that their " records indicate that the account transferred to Caliber Homes Loans , Inc. ( " Caliber '' ) on XX/XX/XXXX ''.
Since I did not receive a notice of that transfer from Caliber within 30 days of the transfer, ( XX/XX/XXXX ), pursuant to 15 U.S.C. 1641 ( g ), I automatically rescinded the loan under 15 U.S.C. 1635 and informed and served all parties involved.
Therefore, based on the above, we now request that Caliber return any and all documentation, including notes, deeds of trust, communications with and between XXXX XXXX, XXXX , XXXX, XXXX XXXX, XXXX,, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX, et. al, and any and all Account Payment Histories, regarding the above referenced account, and or any other accounts you may have information about.
Also I found there were at least two ( 2 ) notes presented in different cases.
|
| 02/20/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I had a decrease in my salary last year because of my employment changing. My previous employer laid me off because of the company down sizing. I've requested a mortgage modification and submitted my financials several times to my mortgage servicer Caliber Home Loans.They have sent me 2 modification offer with trial payments plans. 1st-Trial payment plan for XX/XX/2018 gave me a payments but they were filing a private mortgage insurance claim in the amount of {$51000.00} per Customer Service Caliber Loans, at that time I was delinquent {$3300.00} why is Caliber filing a PMI claim in the amount of {$51000.00}. I filed a consumer complaint and resubmitted a modification request with financials to caliber. I received XXXX the 2nd Trial modification with the trial payments, I called Caliber Mortgage Customer service they stated hey were filing a private mortgage insurance claim in the amount of {$39000.00}. my mortgage is delinquent in the amount of {$9000.00}. Again why is Caliber mortgage filing a private mortgage insurance claim for that amount when I'm not delinquent for that amount. I want to pay my mortgage obligation but I don't want to be taken advantage of financially. See Attachments Please! Please! Please Help
|
| 10/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Back in XXXX of XXXX I submitted a prior request to your office. My XX/XX/XXXX mortgage payment was reported 30 days late in error. At that time, the company did admit an error with their system, the payment I did in fact make online on XX/XX/XXXX was delayed in posting to XX/XX/XXXX by their own admission and agreed to take it off and they did. Subsequently the error was corrected and the complaint closed. Then a year later, they go back and reported it again late after not even servicing this loan since XX/XX/XXXX when it transferred to XXXX. I immediately called them on 2 separate occasions this year and Caliber on each occasion stated yes it was an error and that per RESPA laws you can not report a payment late within 60 days of a transfer to a new servicer. I reminded them of this prior complaint with your office and was reassured that it would be corrected once more. It still has not happened. At this point I would like them fined. They can not keep changing my reporting or refuse to correct their system error. It is in writing that it would be corrected. It was and for whatever reason a year later after not even having the loan, they reported the payment again late despite the admission of their system error.
|
| 09/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have a mortgage with Caliber Home Loans. The mortgage is currently 5 years and 2 months old. I had an appraisal done on my home in XXXX of 2020 that stated the home was worth {$420000.00}. Caliber Home Loans received a copy of that appraisal in XX/XX/2020 and they have it in my mortgage records right now. I currently owe {$320000.00} on the mortgage. Using these solid numbers, the current Loan To Value is 76.5 %. Per the PMI rules for my loan, the LTV must be below 80 % and the loan must be 5 years old or greater. I currently meet both of those criteria. Caliber Home Loans is telling me that I have to get another appraisal ( at my cost ) in order for them to consider removing the PMI monthly premium.
I have called multiple times into their call center and have not been able to get anyone on the line that can answer even basic questions about PMI and what is necessary to get it removed from my mortgage. They just state repeatedly that I have to get another appraisal, which I know I do NOT need to do.
They also do things like put me on hold for 30 minutes or more, transfer me around to others who also know nothing about PMI, and refuse to let me speak with a XXXX or anyone that can speak knowledgeably about PMI.
|
| 07/29/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
First mid XXXX I received an email saying my escrow was up about {$450.00} and I would be getting a check. I then called and advised Caliber that I would not want the check and to put back into my escrow account, because my taxes had already gone up due to the fact, I did wish my payment to go up. I was told they do not things like raise and lower payments and I disagreed and advised I would send the check back. I tried over and over to have anybody from that company help and they refused. Then in XXXX I got another email stating my payment was going up {$200.00} a month due to a short fall in my escrow. I called and still no return calls no help. This is the kicker I put {$50.00} in escrow on my XXXX bill knowing another short fall in coming and they placed into principal account instead. When I called no return call again. The person I talked said you are not allowed to add to escrow. They have stolen from missed you my funds and I want this company to be investigated. I called the VA and was advised this is a widespread practice for this company! If they can raise your payments, then they should be able to lower them. Either way to steal money is wrong and by not putting my funds where I ask them to be wrong!!
|
| 11/02/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
Now that we were finally discharge from Chapter XXXX it did n't take no time for Caliber Home Loans to call me and harass me and tell me we owe for XXXX payment and XXXX payment XXXX. Our mortgaged payment is XXXX and we have been sending XXXX. We sent XXXX payment out the XXXX and they are saying we did not pay it. Also there asking for XXXX payment already and we just mail it. We have 15 days and they say we are a month behind every month. This is not right we have made our payments faithfully and the extra money we sent was for the modification that we though we had in XXXX and they fail to tell us after we were approve for it that they took it away. But they are saying we owe {$2000.00} which is a lie and then they said they will charge us a penalty every month for non- payment. Because according to them we are late even if we have 15 days to pay. I am sick in tired of XXXX, XXXX XXXX and now Caliber they are all evil and do n't care about the person only on how they can XXXX us over. We pay a high interest rate of 9.35 and they figure if they can say we owe nobody else will finance our mortgaged and they can take advantaged. We need this to be resolve again and taken care of as our payments are paid in full.
|
| 03/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I wrote a formal letter on XX/XX/XXXX, requesting that Caliber Home Loans remove private mortgage insurance, as the LTV is now at 73 %. My husband and I have worked diligently to pay down the loan to 78 % LTV since we closed on our new home in XX/XX/XXXX.
We originally put 10 % down when we first purchased the home. We were able to make a large sum payment a month after our home purchase of $ 50k to get it down to 80 %. We've continued to paid it diligently and brought it down to 78 % but the PMI still isn't removed. My husband and I have both called in to ask customer service to remove it. Nothing has been done.
According to the amortization in my signed closing package it is removed at 77.78 % LTV. The website also says it is automatically removed at a 78 % LTV.
I've attached the letter I mailed and also submitted to them online requesting the removal of PMI ( this letter includes a copy of the original signed closing disclosure ). I've also attached our signed closing package with amortization schedule that shows when PMI is removed. I also attached the website print out explaining when PMI is removed. Lastly, I've attached a recent mortgage statement showing what our loan balance is currently showing.
|
| 01/14/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
My husband and I obtained a mortgage as co borrowers. he was later diagnosed with XXXX. when he passed away I made the mistake of furnishing a death cert. the account then changed to the estate of my husband.
In 2018 I paid off the mortgage with an escrow balance. the balance was sent to me in the name of THE ESTATE OF ... .I CAN NOT CASH THE ESCROW REFUND. I am told I have to open up probate in order to cash the check ...
II have tried several times to fix this, I hired an attorney to try and straighten this out. since I am co borrower the title goes to me. the lender never contacted me about the attorneys letter and the return of the check. the lender never voided the returned check, and will only issue a check in the estate of my husband.
I am told I have to open probate for one check. everything else was put in my name because he knew he was going to lose his fight with XXXX.
Is there anything I can do? I need help. being a widow is bad enough on social security without having to take care of things like this.
the lender was supposed to pay the property taxes out of escrow and did not. forcing me to take money I dont have out of pocked to pay the property taxes on time. this is a hardship. please help
|
| 09/22/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I submitted a 1st mortgage loan application online with Caliber Homes on Friday, XX/XX/2016. Prior to submitting the online application I contacted Loan Consultant XXXX XXXX with Caliber Homes at the XXXX XXXX branch. I told XXXX what my request was and she told me to submit my application online and put her name on the application so that it would be forwarded to her. I did not hear back from XXXX, so I called her two business days later, on XX/XX/XXXX, and left a voice mail. XXXX returned my call that evening. She did n't really understand my request and pretty much told me that she did n't think I should proceed with my loan request. Quite frankly she did n't even know what product I was looking for. So I told her what loan product I was considering and that Caliber Homes does offer the loan product, which is an FHA XXXX She then told me that another loan consultant handled these transactions. I told her that I would like him to call me. I never heard from him, or XXXX again. In addition, I NEVER received my early disclosures. I also never received any documentation from the mortgage company if my loan was declined or conditionally approved. The mortgage company never processed my " COMPLETE '' application.
|
| 08/29/2017 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On or about XXXX XXXX I received notification from my employer 's health plan that their database was compromised. They then offered me an ID theft protection plan. I checked all my records at that time and found nothing was affected.. When I went to file my taxes, I come to find out that my SS # was compromised and they took my tax refund. This was cleared up by the IRS for that year. Then in the midst of doing my taxes for the following year and secondarily at the request of the IRS an audit was requested. I come to find out that my SS # was used to get a vehicle loan in the state of CT. This was reported to the IRS and now they are requiring me to pay a tax penalty on this loan that I DID NOT report. In conjunction with my CPA and the theft ID program I/we have been attempting to get a letter from XXXX XXXX XXXX indicating that this is a fraudulent loan and that a letter is needed from them saying that so that I can turn it over to the XXXX XXXX of XXXX I have sent several letters and along with several phone calls have tried to get this resolved. They keep sending the information to the wrong address or they keep giving me the run around as to who to call, they never give a name of a person to speak with.
|
| 02/16/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
XXXX/XXXX/XXXX emailed hardship application and supporting financials to Caliber XXXX/XXXX/XXXX Caliber requested rental agreement for rental income XXXX/XXXX/XXXX LOE needed for one item on the RMA XXXX/XXXX/XXXX Letter from Caliber acknowledging receipt of a complete packet, review to be conducted in 30 days, letter is attached XXXX/XXXX/XXXX contacted XXXX for status update, XXXX advised that the in house was completed but then they realized that this loan qualified for HAMP review ; file went back into review on XXXX/XXXX/XXXX XXXX/XXXX/XXXX Caliber advises file pending review XXXX/XXXX/XXXX Caliber advises need more information to complete review-additional docs send right in XXXX/XXXX/XXXX Caliber advises again more information There have not been any missing documents letters received by the homeowners. It has been nearly 90 days since the original packet was sent to XXXX ; XXXX review should have been completed prior to an in house review. We do not understand how they can get away with violating the guidelines. This loan is incurring additional interest and escrow advances making it more difficult to leave modification options available Caliber needs to be looked at for violation of CFPB guidelines
|
| 04/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I was notified by email ( see attached ) of an overage in my Escrow account and that a check had been mailed to my " address on file. '' I called Caliber Home Loans within XXXX hours of receiving this notification to verify my address at which time I learned they had the incorrect address. The representative said the refund check could be voided and a new check could be sent to the correct address. I was told " this usually takes up to 30 days but most times it does not take that long. '' Nearly 30 days have passed and I have not received the refund check, so I called XXXX again today. Upon calling today I was told that the check had been voided but they " didn't complete the second stop correctly. '' I then asked if the refund could be wire transferred or the refund check could be sent via overnight or XXXX day mail. I was told that could not be done. I then spoke to a supervisor ( XXXX, ID # XXXX ) who said she would " escalate '' a new check being cut and sent. However, she could not guarantee when the check would be sent. Also, I spent 30 minutes on the phone with Caliber trying to get this rectified, meaning I forfeited my entire lunch break to try and resolve something that was created by Caliber.
|
| 01/31/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
My escrow account is in the negative due to Caliber Home Loans paid taxes for my house and another house with the same street name from my escrow account. I called in XX/XX/XXXX and was told it would be fixed. Called a few more times in XX/XX/XXXX and was told it was being fixed.. Well it's XX/XX/XXXX and still no resolve. I received a statement stating my mortgage was going up to XXXX due to my escrow acct was XXXX. I called and was told they are still working on it. I was transferred to XXXX XXXX the 3rd party carrier and they said they only did what Caliber told them to do. OnXX/XX/XXXX I was speaking with XXXX agent ID XXXX at XXXX XXXX and she stated it was not her problem and transferred me to XXXX agent ID # XXXX. XX/XX/XXXXi received a new statement stating my new mortgage payment would be XXXX starting XXXX. Caliber has not received the refunds for the payments they made in error for the taxes. However, I was told if i do not make the monthly payment until they fix it, I could go into foreclosure. I am a single mom who busted my XXXX to get my family in a house. I have paid all mortgages and for them to threaten me that i may lose my home for their error is absurd. I need help. Please Help me.
|
| 10/30/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
The current holder of my mortgage, a hedge fund, bought the loan from XXXX in an auction two years ago, no doubt at a substantial discount ( although I ca n't find out what they paid ). The servicer, in moving to foreclose, was required to go through Mediation by Oregon Law. In this process we applied for a mortgage modification to allow us to stay in our home. First HAMP was denied ( see attached for reasons- they gave us no information about how they arrived at not being able to fit a modification into the XXXX-XXXX % DTI ). Then we were denied for an in-house modification for the reason that the LTV was less than 70 %. This calculation is only based on the original loan balance and a drive-by BPO ( of which there were XXXX that varied by XXXX % in their valuation ). The holder of the loan is unwilling to consider the back interest and tax/insurance escrow owed in the basis of their calculation. If they did, the LTV would be between XXXX- XXXX %, depending on which BPO was used, well within their " standards ''. Their method seems a logical fallacy. Either the additional debt owed to them should increase the base loan or reduce the value of the home, because the net result is they we have less equity.
|
| 09/08/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I desperately wish to stay in my home. I do not have anywhere to move to with my kids. I now have the money to make regular mortgage payments.
I was in personal bankruptcy. The mortgage company, Caliber Home Loans, agreed to provide me with a loan modification on my home mortgage ( Loan number _________, Property : XXXX XXXX, MA XXXX_ ) so I voluntarily dismissed my personal bankruptcy case in early XXXX. I filed a loan modification application with Caliber on XXXX XXXX. Caliber agent XXXX ( ID No. XXXX ) advised me on XXXX XXXX that I only had two remaining documents to submit in order to complete my home loan modification. I submitted one document the lease agreement for my basement apartment -- on XXXX XXXX. The other document required verification of my wages -- could not be signed by a company officer from my company until XXXX XXXX because they were all on vacation. I have an email date stamp showing I submitted this final document on XXXX XXXX as I both faxed and emailed this document. Caliber Agent XXXX and Supervisor XXXX ( Agent ID XXXX ) just informed me it closed my loan modification application subsequent to XXXX XXXX. Caliber has a sale date of XX/XX/2017 to sell my home. Please help!!
|
| 02/04/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
We contacted Caliber Home Loans to apply for a home mortgage to purchase a new home and were fraudulently misled with regards to the loan terms. We made it specifically clear that our intent in requesting the mortgage was to purchase a new home, and we would then immediately sell our current home, and apply those proceeds to our new mortgage. Because of this, we needed a mortgage that would allow us to make a large lump sum payment once we sold our home and lower our monthly payments going forward. Once we sold the house and made the lump payment, Caliber refused to honor the terms promised to us by our loan officer, and will not lower our monthly payments despite use making our large lump sum payment, and have instead shortened the duration of the loan rather than lowering the monthly payments. Despite repeated requests for resolution, Caliber has refused to honor the terms promised to us by our loan agent though our loan agent has confirmed that the loan terms we received were not the terms that we requested, were promised, or were told that we were signing. These are fraudulent and predatory loan practices taking advantage of the consumer, and we are requesting assistance in resolving this issue.
|
| 06/24/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Issue : Setting up recurring payments with Caliber Home Loans I closed on my new home on XX/XX/2019. XXXX XXXX transferred my loan to Caliber Home Loans. Every month, I have tried to set up recurring payments via the company 's website but every month I receive an error message that I can't set up my recurring payment until next month.
I called Caliber 's customer service today ( XX/XX/XXXX ) to ask how to set up recurring payments. They told me I would need to wait until my next manual payment is processed ( XX/XX/XXXX ) and I'll then be able to set up the recurring payment anytime from XXXX XXXX XX/XX/XXXX.
My complaints are as follows : 1 ) I should be able to set up automatic payments at any point in time in order to avoid missing a payment on my mortgage.
2 ) If Caliber is to keep this " window of opportunity '' there should be a notification of the window of opportunity on the company 's website when I go to arrange recurring payments. Otherwise, only seeing that I can sign up " next month '' makes it look like the company is trying to make me miss my next payment.
I am trying to meet my obligation and should be able to do so easily. Caliber is not making it easy to meet my obligation.
|
| 05/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
Older American |
|
There are scores of complaints and lawsuits against Caliber Home Mortgages for the same practice of stalling requests for loan mods, especially with houses like ours which had significant equity still and could be sold by the financial institution for a profit.
We are a senior couple who has a file over 200 pages thick, detailing our never-ending effort to get a loan modification, while we were in the process of selling our house. Often, on the same day we would get two letters, with the same date : one saying they had what they needed to process our loan mod, the other saying that they still needed more information. We sent the exact same information several times, but they responded after more than 30 days, so they needed another months ' information. In the middle of this battle, they said we were in foreclosure, and reported this to the credit bureau, although we never received anything from the courts, and the house was sold through traditional methods. This credit blemish has stopped us from purchasing a retirement condo ( we're both XXXX ) and I am wondering if there is a class action suit we could join or if there's another way of getting caliber to reverse their credit bureau report.
.
|
| 04/15/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Caliber Home Loans is not reporting accurate information to the major credit bureaus in regards to my " monthly '' payments received, monthly payment amount, which is XXXX not XXXX or XXXX and matter has caused a negative impact on my credit, score and job clearance. Per my credit reports On XX/XX/XXXX and XX/XX/2017, Caliber reported that my account was delinquent by 30, 60, 90 days when in fact my account is current and does not reflect reporting for the months of XX/XX/XXXX, XX/XX/XXXX nor XX/XX/2017. I have recently reached out to various Caliber Customer Service employees whom referred my inquiries to their " Credit Department, '' however, the issue still remains unsolved and incorrect. I am fully aware that XXXX 's reporting is the XXXX of each month, however, XX/XX/XXXX 's reporting should reflect XX/XX/XXXX 's payment which has not been reported and the same for XX/XX/XXXX 's reporting. To date, my next scheduled payment is not until XX/XX/2017, which my reporting should reflect on time. Caliber is not adhering to their reporting schedule nor are they reporting accurately, which causes a financial and employment strain on its customers, due to their inability to report accurate information.
|
| 08/19/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
MY MORTGAGE LENDER ( CALIBER HOME LOANS ) HAS DENIED MY LOAN MODIFICATION REQUEST AND THEY INSIST ON A SET OF WRONG ASSUMPTIONS ABOUT THE VALUE OF MY HOME!!!
CALIBER REVIEWED ALL MY DOCUMENTS AND THEIR MODIFICATION DEPARTMENT STATED THAT MY INCOME IS SUFFICIENT TO QUALIFY ME FOR ASSISTANCE PLANS, BUT THEY SAID THE VALUE OF THE HOUSE IS TOO HIGH.
I HAVE ASKED THEM REPEATEDLY TO PLEASE REVIEW MY EVIDENCES ABOUT THE POOR CONDITION OF MY HOUSE 'S INTERIOR, BUT CALIBER DOES NOT ALLOW ME TO AT LEAST PRESENT MY PROOFS OF THE LOWER VALUE!!!
THIS IS SO UNFAIR TO ME THAT THEY WONT EVEN LOOK AT MY OWN COMPLETE APPRAISAL!!!
THEY SHOULD AT LEAST JUST LOOK AT MY EVIDENCE, AND ALLOW ME TO PRESENT MY INFORMATION, AND THEN DECIDE IF I QUALIFY OR NOT.
FURTHERMORE, I CURRENTLY HAVE AN ACTIVE FILE THAT AS OF TODAY CALIBER IS STILL REVIEWING FOR MODIFICATION AND THEY JUST ASKED FOR MORE ITEMS FROM ME. SO WHY ARE THEY REFUSING TO POSTPONE THE SALE DATE TO COMPLETE THEIR OWN REVIEW PROCESS???!!!!
I 'M A SINGLE MOM STRUGGLING VERY HARD TO SAVE THE HOME FOR MYSELF AND MY KIDS AND THE LENDER SHOULD TRY & SHOW SOME GOOD FAITH TO COOPERATE IN FINDING A SOLUTION, INSTEAD OF CONSTANTLY PURSUING ONLY FORECLOSURE!!!!!
|
| 08/05/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
I currently notified the mortgage company because I noticed that my mortgage does n't report to the credit bureau. They informed me that since my xhusband filled for chapter XXXX in XX/XX/XXXX that is the reason. I explained to the mortgage company we have been legally divorced since XX/XX/XXXX and that in the divorce decree my xhusband relinquished all aspects of the property and a quick deed has also been issued to the mortgage company. The mortgage company informed me that since my xhusband never reaffirmed the dept that there 's nothing they can do. I informed my xhusband of the new findings and he stated he was never notified or informed that he needed to reaffirm the dept with whom he filed chapter XXXX with nor did he keep any of the paperwork. Not even the mortgage company that we previously had informed us as to why I could n't receive or why they were not reporting to the credit bureau until this new mortgage company that the loan was sold to informed me as to why I never get a mortgage statement and why they do not report to the credit bureau. Now I need to have the mortgage company to report to the credit bureau since I make all the mortgage payments since XX/XX/XXXX .
|
| 03/20/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My wife & I had a FHA backed XXXX yr mortage serviced by XXXX XXXX XXXX, signed in XXXX, XXXX. We filed for Chapter XXXX bankruptcy protection in XXXX XXXX, including our mortgage in the filing. All mortgage payments & arrearages were being serviced per our Trustee 's Agreement on time, & without prejudice, even as we attempted to refinance our mortgage to a much more advantageous rate. We finally found someone to do an FHA Streamline on our mortgage, when we were informed that XXXX XXXX XXXX filed an insurance claim in XXXX XXXX against our FHA MIP due to our loan " being delinquent. '' Our mortgage was then " picked up '' by Caliber Home Loans, whom we were informed would be our new loan servicer. We were also told we no longer had an FHA Loan, according to Caliber. We have no idea how we could be taken out of our FHA loan-preventing our Streamline Refinance- & put into some " XXXX status '' as we were informed that our mortgage is now in. In addition, we are still paying FHA MIP payments in our mortgage payments on our mortgage since Caliber took over our mortgage, as well as we have yet to have our mortgage payments be reduced after a significant drop in our homeowners policy as well.
|
| 07/20/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Complaint vs. Caliber Home Loans , Inc .
I am filing a complaint against this mortgage company for the following reasons : 1. During the payoff process of a mortgage loan I had with this company, there were multiple unauthorized and/or undisclosed fees that the charged me during my loan closing.
2. Escrow balance due to borrower in excess of {$3700.00}. This company did not disclose the amount of time they would be hanging on to my money. Now after the loan has been paid off and they have in excess of {$3700.00} in excess of what they were owed for the loan payoff, they do not wish to release the escrow balance owned to me until 21- days from the loan payoff funding date. They then say that they will allow themselves an additional 10-days if the check is not process in the first 21-days.
Caliber Home Loans has no problem calling and or threatening their clients if they do not make their mortgage payments on time. However, when they owe their clients escrow money, they take their sweet time in returning the over-payments and do not fully disclose when they are paid out. Seems like this company should play by their own rules and treat their clients fairly.
XXXX XXXX XXXX, Texas
|
| 05/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Records Partial Deed of Trust of XXXX XXXX XXXX XXXX XXXX, MO XXXX stamped by notary does not contain my " wet ' signature of valid proof this Partial Deed is valid and agreed upon by me. I requested the deed be removed before the closing sale of the said property and it was not removed, nor proved valid of funds owed by me. I requested my funds reimbursed and credit reports corrected.
Defamation Negligent Enablement if Identity Fraud and document reporting Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 and 28 U.S.C.
Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) A Notary Public is a state public officer appointed and commissioned by the Governor whose function is to : administer oaths, take acknowledgments of deeds and other instruments, attest to or certify photocopies of certain documents, and perform other duties specified by law.
Responsibility of a notary provides for authentication in lieu of notarization in 28 U.S.C. ... That section provides that to meet any notarization requirement under federal law or practice, an unsworn declaration under penalties of perjury is sufficient.
|
| 01/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
On XX/XX/2020 with out ever applying Caliber Home Loans offered us a loan modification with a principal reduction. In order to have the offer completed we needed to At that time we were not able to make the trail payments.
Since then our situation has changed we would like to take Caliber up on the offer. Now that we can afford it Caliber wants to do a ( DIL ). In fact all Caliber has only been interested in doing a DIL for years now. We were very surprised when Caliber offered us the Loan Modification. Pleasantly surprised. Now that we can afford it we feel they do not want us to Modify the loan. We feel the Loan modification offer by Caliber was a fake offer they knew we could not afford the payments at the time so they offered it to us. Now that we can afford it they will not give it to us. We feel Caliber is really in the real estate business not the mortgage business. They use the ( DIL ) to accumulate properties then sell the to their sister company the XXXX XXXX XXXX at a discount then the Trust resells it at a profit. We believe the FED makes whole to Caliber on the loss on the loan and they are ripping of the tax Payer on a Major League level. You must investigate this.
|
| 09/02/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
The purpose of this complaint is to inform your office of the fraudulent and unethical business practices of Caliber Home Loans ( Caliber. The complaint involves my Forbearance of my mortgage payment due to the COVID-19 pandemic.
During ALL my communications with Caliber, I have been emphatic about what I was willing and able to do once my forbearance had expired ; resume my monthly payments that I was paying prior to the pandemic, with a final payment for the COVID-19 Forbearance balance due and payable at the end of the loan ( Deferment ). I never wavered from this stance from the beginning, and up to this point.
It is my understanding that Caliber knew this ; yet what is apparent now, is that they ignored my requests and through gaslighting and erroneously papering the record the are demanding that I pay back the {$26000.00} in bi-monthly, extra payments, or refinance the entire loan at a higher interest rate.
At this time, I would like to open this complaint against Caliber, and possibly XXXX XXXX XXXX out of XXXX, South Carolina. But, please be advised that I have additional information to provide, and willing to supplement this complaint as needed.
Thanks XXXX XXXX
|
| 01/12/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I called trying to get a loss mitigation option to short sale my property. I litigated through my attorney the foreclosure. I believe that the mortgage was not properly foreclosed on in accordance with the laws XXXX XXXX and XXXX. I personally feel that the investor lack standing to foreclose. They do not have a original mortgage note properly endorsed to them.
The law firm that prosecuted my foreclosure did not send their motion for judgment of foreclosure to my attorney of record. This is the fact even though my attorney was on record as my representative. The judgement of foreclosure was granted with out opposition.
I had some contact the XXXX XXXX XXXX XXXX on my behalf requesting a short sale to avoid the foreclosure. After being told to call back with proper authorization they were told that the investor does not do short sales. Moreover that after the sale the lender would give {$6700.00} for keys. Their would be no consideration of a deed in lieu or other loss mitigation option.
I believe that they refuse to accept any other loss mitigation option because they are aware of the violations of my rights in the mortgage recovery proceeding and wish to clean it up by sale.
|
| 06/05/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
We applied for a modification with the mortgage company ( Caliber Home Loans ). We submitted complete package in XX/XX/XXXX. The modification cane back with a 5 year lower interest rate, at the end if that term the payment tripled. We called in, and a single point of contact person told us to appeal the decision. We write in again asking for a long term fix. They denied that appeal. They did told us to reapply for another modification, because the first one is off the table. We submitted documents again, the modification payment tripled. We appealed that, and were denied in appeal again. We were told to resubmit, as we did. We submitted on XX/XX/XXXX. We were placed in a forbearance agreement., after waiting thirty days for an answer to the modification. We never agreed to that, or asked for that. Then to cancel that, we had to be recorded saying we refused it, and all rearage would be brought current immediately. Once again not what we asked for. Six months later, we have resubmitted Paper work again for a modification. Each single point if contact has different answers, and no way to get information we need. We are told there is not anyone else to talk to ... a nightmare ....
|
| 04/21/2022 |
Yes |
|
|
|
Web |
Servicemember |
|
I am applying for a VA loan with Caliber Home Loans. I meet all qualification criteria and intend to occupy this home as my primary residence. However, my loan officer told me Caliber Home Loans does not believe I will occupy this as my residence and has rejected my application. They are discriminating against me and not taking my intent to occupy on face value because I am a property manager and own multiple homes. They believe I am lying and will buy this as in investment home. I do intend to move in, and I have told them that I am downsizing because my son is going to XXXX and we need to move closer to the school our girl 's attend to reduce our commute time. My closing is on XX/XX/XXXX and I am in jeopardy of missing my closing date. Since they have delayed this process, if I go with another lender my interest rate will increase by more than 1 %. This is very stressful and I do not believe they are acting ethically. As a veteran, I served my country and now my integrity is being questioned and I can not get a loan simply for the fact that the underwriter does not believe I will be moving in the home. Please help me so I can move forward with closing on, thank you so much.
|
| 07/26/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I have just read the ruling on the case of XXXX XXXX XXXX XXXX v. XXXX No. XXXX, XXXX XXXX XXXX XXXX, As Trustee for HOME EQUITY ASSET TRUST XXXX HOME EQUITY PASS-THROUGH CERTIFICATES, SERIES XXXX, Appellant, v. XXXX XXXX ; Unknown Spouse of XXXX XXXX ; XXXX XXXX XXXX, XXXX. ; XXXX XXXX XXXX Successor By Merger To XXXX XXXX XXXX XXXX XXXX, XXXX. ; UNITED STATES OF AMERICA ; Any and All Unknown Parties Claiming By, Through, Under and Against The Herein Named Individual Defendant ( s ) Who Are Not Known To Be Dead or Alive, Whether Said Unknown Parties May Claim An Interest As Spouses, Heirs, Devisees, Grantees, or Other Claimants ;Unknown Tenant # 1 ; Unknown Tenant # 2 ; Unknown Tenant # 3 ; and Unknown Tenant # 4, The Names Being Fictitious To Account For Parties In Possession, Appellee. District Court of Appeal of Florida, XXXX District, dated XXXX XXXX, 2017. And am hereby filing this criminal complaint with the CFPB to be forwarded to the competent Attorney Generals and the FBI regarding the attached fraudulent Assignment of Deed of Trust and involvement of Caliber Home Loans and XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, as alleged TRUSTEE, and the alleged XXXX TRUST, et al.
|
| 10/08/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
|
Web |
|
|
This complaint is related to my efforts to file a loan modification application, statements made by the bank to me about whether they would forestall the foreclosure, and irregularities I noticed. Caliber Home Loans sent me a modification loan application which I filled out and mailed back. I received a letter from Caliber stating I did n't send my pay stubs or completed the forms and that I had 30 days to get back to them- the letter was dated XX/XX/2016. But I did send my pay stubs along with the budget and forms filled out and signed when I originally mailed them back. So I called the bank to let them know I was faxing the papers over but alos wanted them to know that I have a copy of the application in front of me and I sent them everything. While one the phone with them they said the house is in active foreclosure scheduled for XX/XX/2016. I asked Caliber to please stal the foreclosure while they review my paper work but they could n't give me a yes or no answer that my loan application has been expeditied for review.
I sent documentation that the bank is denying was received. Which has occurred before. Sometimes a CFPB complaint will get the bank to stall a foreclosure.
|
| 03/26/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I recently discharge from bankruptcy and I was reviewing my mortgage and noticed that my loan balance balloon to almost {$100000.00} from the original loan amount of {$54000.00}. I do not understand how the mortgage balance increase to such an extraordinary amount. I reached out to Caliber Home Loans on XX/XX/XXXX, XX/XX/2020, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to get an explanation as to how I could owe more on the mortgage than the agreed original amount. None of the responses I received made sense, as they were saying the outrageous increase was due to a deferred balance amount that is the cumulative difference between my monthly Average Billing amount and what I would owe if you were not signed up for Average Billing. I furthered inquired as to what average billing was and when did I signed up for such a terrible program. Caliber could not provide any proof or information and indicated that it was part of my home modification. I asked Caliber to furnish that proof and XX/XX/XXXX and they requested I give them up to 30 days to comply. It has been more than 30 days and Caliber has not provided proof as to when I agreed to be put in such a terrible program.
|
| 01/12/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I had filed and was awarded bankruptcy in XX/XX/XXXX. Included in the bankruptcy was a home that had been awarded to my ex-spouse during the divorce under XXXX XXXX. My credit report shows the loan was discharged due to bankruptcy in XX/XX/XXXX and XXXX discontinued reporting on my credit report.
My ex-spouse had stopped making payments on the house and subsequently, the loan company started foreclosure proceedings. I was no longer responsible for the loan, with the discharged bankruptcy on court record however, in XX/XX/XXXX, XXXX XXXX sold the loan to another company, Caliber Home Loans. Caliber proceeded to put me back on the mortgage, even with the discharged bankruptcy and began reporting on my credit report XX/XX/XXXX that the loan was over 180 days past due. I contacted Caliber, gave them my bankruptcy information, my attorney 's information and asked them to remove the information from my credit report. I was not a part of that loan when they acquired it in XX/XX/XXXX as the discharge was in XX/XX/XXXX. They have failed to do so even at the request of my attorney, proof of the bankruptcy discharge and request of myself. The are still reporting on my credit report.
|
| 07/12/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
On XXXX XXXX , 2004 I signed a Multistate Fixed Rate Note Single Family XXXX XXXX XXXX whereby in paragraph XXXX ( Borrowers Right to Prepay ) of the form it provides : When I make a Prepayment, I will tell the Note Holder in writing that I am doing so. '' This renders the note non-negotiable. I have told the Note Holder multiple times that I have made prepayments to the loan and that it is not a negotiable instrument pursuant to sect ion 3-104 ( a ) ( 3 ) of the U.C.C., a promissory note can not be an instrument if it contains such an undertaking : the rules of negotiability apply only to promise to pay money, not to other, non-monetary undertakings. Sending a notice certainly is an act in addition to the payment of money, and the notes language seems to constitute an undertaking to perform that act. '' My XXXX Loan number is : XXXX and I have demanded a full Accounting of my original loan number : XXXX allegedly now serviced by Caliber Home L oans with loan number : XXXX . Therefore, based on the above, this is a notice to the Note Holder of all the above, and ask the Consumer Financial Protection Bureau ( CFPB ) to intervene and audit my loan.
|
| 12/25/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
Despite Maryland to the contrary, Caliber Home Loans refuses to pay escrow account earned income to its Maryland borrowers. See, in relevant part, this section of Maryland Code : MD Comm L Code 12-109 ( 2013 ) What 's This?
12-109.
( a ) ( 1 ) In this section the following words have the meanings indicated.
( 2 ) " Lending institution '' means a bank, savings bank, or savings and loan association doing business in Maryland.
( 3 ) " Escrow account '' means an expense or escrow account which tends to protect the security of a loan by the accumulation of funds for the payment of taxes, insurance premiums, or other expenses.
( b ) ( 1 ) A lending institution which lends money secured by a first mortgage or first deed of trust on any interest in residential real property and creates or is the assignee of an escrow account in connection with that loan shall pay interest to the borrower on the funds in the escrow account at an annual rate not less than the 6-month average dealer bid rate on nationally traded certificates of deposit, as published by the Federal Reserve in " Selected Interest Rates ( Daily ) - H.15 '', as of the first business day of the calendar year.
|
| 05/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I called my mortgage company for a payoff, I got a robot that gave me a payoff that was good for ten days. I mailed a check to them on XX/XX/1922 for {$170000.00}. I did not hear from them. They returned my check and said it was not the right amount and gave me a new amount that was {$140.00} more than the quoted payoff. They did not call me and advise me the amount was wrong but chose to communicate by the postal system which created additional interest on the loan. I don't feel I should have to pay them the additional monies since they knew my intent with the check and did not contact me in a timely manner costing me additional money. I am a senior citizen and every dollar counts. I called several times to the mortgage company to get this resolved and when I finally contacted a human, they said they were sorry for the inconvenience. {$140.00} is not an inconvenience. They choose to use communication that extorts additional money from their customers. I do not think this is legal. Their form letter was sent on XX/XX/XXXX and not signed by a human. The letter says this is an attempt by a debt collector to collect a debt. I was not behind on my mortgage, this is absurd.
|
| 10/13/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
The company continues to take advantage of me. They know that I can not afford an attorney to fight this issue. I did not have access to my account information online and I was not getting paper statements until XX/XX/XXXX. I requested information to help me understand where things went wrong. After they sued me and I went to court, they have been penalizing me for this. Once I found out that the breakdown was that my payments were not being applied properly, all of a sudden they justify it by saying that it was because they were paying for home insurance on my behalf. I have been carrying my own home insurance because they told me that I did not qualify for them to cover it. I have had my car & home insurance with XXXX XXXX up until XX/XX/XXXX and then I had it with XXXX XXXX to this day. I never consented for them to open an insurance policy for me. Why would I carry XXXX insurances? They never discussed this with me. I never gave them consent to do this. I just learned about this insurance when I received a letter dated XX/XX/XXXX from XXXX saying that insurance is to renew on XX/XX/XXXX. Please help me get this resolved and have my account adjusted appropriately.
|
| 12/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I am trying to get PMI taken off of my house. I sent the print off that Caliber sent me on XXXX XXXX/I overnighted it. I included a check for an appraisal and all of the improvements I have made on my home. Keep in mind, the paper I mailed back to them is the one they sent me when I inquired about PMI removal. After hearing nothing back, I opened a case with XXXX Caliber mailed me a blank paper just like the one I filled out. I filled this one out and sent it in again. I didn't hear from them for a week or 2 and then I received a check from them for the same amount as the one they cashed of mine originally. I kept receiving random letters from them, then I got one saying under Federal Rules, my improvements didn't apply. I did my research and this was incorrect, additionally, they never even sent anyone out so they wouldn't know. Days after this, I receive another letter asking me to send a check for an appraisal but this letter has a higher price than the first XXXX. The first letter they sent me asked for {$150.00}, and now this one is asking for over {$400.00}. It seems like they are doing everything they can to make this difficult and not allow me to remove PMI.
|
| 10/16/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Principal payment only I have incidents with caliber home loans twice within the last 3 months.
The first incident payment was sent electronically, the payment showed that it was received but never posted to principal balance until 2 emails ( my second showed that I was XXXX ) It was taking care off. After this incident, the payment was received and has been posted correctly.
The second incident payment happened recently. I called caliber after 5 days ( gave them time to work on it, and I did sent email in between ). I called them on the 6th day, talked to agent who did not show motivation in helping client and no clue of what Is going on to locate the payment, no alternative suggestions. All I got was they have not received payment. I did confirm with my bank that the payment was received and processed by caliber.
In my opinion and experiences with thsi company, I feel that they make it difficult for us as consumers to pay down the loan in order to gain more interest. It is unfair practice and seem cheating on our hard earned money.
I need someone to investigate this company and taking care of this issues because I am sure I am not the only one this happen to
|
| 09/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
To whom it may concern, Our property taxes went up, we were never notified by Caliber home loans, we paid a mortgage payment {$160.00} short and they marked the whole payment late as they refused to apply the funds to our account which is predatory as they and reported it to the credit bureau 's and my and my wife 's credit went down XXXX points each- all over {$160.00}, they had over {$4000.00} unapplied on our account and chose to mark us late which is not accurate. We also have {$2500.00} in escrow. This is a gross misrepresentation and abuse of power by Caliber Home Loans We have never paid our mortgage late and we didn't pay the mortgage late, it was short and we rectified the issue, now they will not return our calls to have this fixed with the credit bureau 's as we are in the process of taking out a loan for legal fee 's in order to have my children removed from their mother who has lost my autistic daughter multiple times.
I believe Caliber Home Loans made a false representation to the credit bureau 's, our mortgage was short an immaterial amount and they had the bulk of the mortgage payment in their account and falsely reported us late when we were not.
|
| 06/05/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I received a copy of a forbearance plan that caliber home loans put together on XX/XX/XXXX.
I called and spoke with caliber home loans on XX/XX/XXXX about some additional details with the loan.
I sent the letter off at the post office in XXXX XXXX, OK with the provided envelope from caliber home loans. The letter was going to XXXX XXXX. ( Is a 2 day delivery time with USPS. ) I called caliber home loans on XX/XX/XXXX, to see what the status was and to see if they have received the letter.
The CSR indicated that they have not and informed me that sending a letter takes 7 to 10 business days.
Knowing that I received it on XX/XX/XXXX and sent it out the following day and the postal standards indicated by the caliber CSR then I would not have had enough time to get this to them with the provided postage.
I asked the CSR if he could send me another copy of it, and he stated he would, after belittling me about not making copies of it. He also stated that it may take 24 hours.
I feel that throughout this whole forbearance process, that caliber has not treated me fairly and I feel that they have intentionally held the process up for whatever reason they have had.
|
| 03/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Caliber Home Loans was required to pay my property taxes via my escrow account in XX/XX/XXXX. As of today, XX/XX/XXXX, my property taxes are still outstanding. I have contacted Caliber three times and have been told they show that the taxes were paid on XX/XX/XXXX ( which is a violation, even if it were accurate, because they are required by regulation to pay in XX/XX/XXXX per Florida requirements ). I have now closed a refinance loan with another lender and had to pay my outstanding taxes ( again ) and the late penalty. I would like my escrow refunded as my taxes were never paid. Caliber Home Loans has not been responsive and I am concerned I will never get my escrow funds back. I have documentation showing the taxes were never paid, but that nearly {$4000.00} was withdrawn from my escrow account on XX/XX/XXXX. I also called the XXXX County Tax Collector who verified that my taxes were never paid on or around XX/XX/XXXX and that as of today they are still outstanding. These taxes will be paid soon by my new title company, however Caliber Home Loans needs to refund my escrow in the amount it withdrew plus the late penalty fees I had to pay due to their negligence.
|
| 07/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I've been attempting to have my sister assume my loan, I contacted the Mortgage company Caliber Home loans. About a month ago I was told that my they would contact the assumptions team and would send out a packet to fill out. I was informed it may take 30 days, the 30 days have come and gone and I have yet to receive the packet, I would understand the actual process of underwriting to take this long, but to even receive the application to take 30 days sounds ridiculous. After waiting the 30 days I have called the mortgage company and each time I inquire about this process I'm told I have to speak with the assumptions group and each time they transfer me I'm on hold for more than 2 hours at a time at which point I get disconnected anyway. I'm not sure what's going on with that company, but they have failed to help me as requested. Having worked at a bank previously I know there may be delays, but I also know when the proverbial ball has been dropped and I feel like it has been dropped this time.
First time I contacted Caliber Home Loans was on XX/XX/XXXX.
I have subsequently spoken with 5 representatives from that company each with varying results of failure.
|
| 11/22/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXX Loans incorrectly reported 30 days late for our XX/XX/XXXX mortgage payment. We disputed the error both directly with Caliber as well as with XXXX. On XX/XX/XXXX at XXXX XXXX, we received a message from a Caliber representative stating that the 30 days late was corrected and that our credit reports would be corrected in ~ 1 week. We have the recorded message. To this day, our credit reports have not been updated to reflect the 30 days late correction and we have received zero written correspondence from Caliber regarding the correction. We 've talked many, many times with several Caliber representatives about getting our credit reports updated and each time, receiving no information or wrong information. We talked with a representative on XX/XX/XXXX and was told that the corrected account information would download to the Credit Bureau 's on that day and for whatever reason, this did n't happened. When we called on the XXXX of XXXX to follow up, we we 're told the Credit would n't be updated until XXXX of XXXX. This is totally unacceptable and we need help resolving the issue. This has cost us a higher interest rate for the purchase of a 2nd property.
|
| 01/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
This complaint is against Caliber Home Loan. I have a mortgage and an escrow account with Caliber. In XXXX Caliber didn't pay my property taxes while I was paying them into my escrow on a monthly basis. Every quarter I would receive a delinquent notice from my city tax department, and I would organize a conference call with XXXX XXXX XXXX XXXX. to resolve the issues.
In XXXX, Caliber re-calculated my escrow account and sent me a letter. I agreed with Caliber ( XXXX ) to pay the shortage. I paidXXXX on XXXX ( with a note that this money have to be applied to my escrow ). The money were misplaced to my mortgage principal. After multiple calls, and HOURS on hold with Caliber, they agreed to reverse this payment to the escrow account ( request placed on XX/XX/XXXX ). The reversal was finally processed on XX/XX/XXXX. I also pay my monthly statement balance ( mortgage and escrow ). Amount due on XXXX XXXX was {$1700.00}, which I paid and it is reflected in Caliber system. But it seems that they misplaced that payment as well, and as a result I'm charged with {$64.00} late fees.
I also asked a qualified supervisor to call me ( multiple times ) which never happened.
|
| 01/12/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
On XXXX XXXX I submitted my mortgage payment through Caliber Home Loans online site. I have been paying my mortgage this way since I got the loan and I have never had any problems until XXXX. My payment was denied. I called and was told my account was closed. This information is incorrect. My account is valid and funds are available. I made my payment again on XXXX XXXX and again it was rejected. I called again and talked to a supervisor who was no help at all. I was told I could not have the phone number to their accounting department to try to straighten this out as they do not take phone calls! What? That 's ridiculous. How can you resolve an issue if you ca n't talk to anyone! I called my bank and they said a payment was never initiated by this company. I ended up sending a check overnight and I am still waiting to see the outcome of this " try '' which will be # XXXX now. I am concerned because everything I am reading on the internet it seems this is happening to a lot of people every XX/XX/XXXX. Seems to be too much of a coincidence to me. I do not want my account to be late or late fees added when I am doing everything I can to keep my account current.
|
| 06/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Caliber Home Loans assumed servicing of our home mortgage from XXXX on XXXX XXXX, XXXX. For XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX we did not receive monthly statements with Caliber. The first monthly statement we received was dated XXXX XXXX, XXXX. We have repeatedly requested that Caliber send us the statements for XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. In response to a previous complaint, they responded on XXXX XXXX, XXXX : " We are still investigating why you did not receive the statements in XXXX and XXXX XXXX and XXXX XXXX. '' To date we have not received the statements for XXXX XXXX, XXXX XXXX, XXXX XXXX AND XXXX XXXX. Please see page XXXX of the attached letter for confirmation of Caliber 's statement.
We need these statements because XXXX has recently confirmed that they did not post our XXXX XXXX, XXXX payment to our account. Subsequently this caused a cascade of problems with Caliber. Caliber has been unwilling to address these missing statements or provide relief for the mistake made on XXXX XXXX, XXXX. They have corrected problems in our account that occurred in XXXX and XXXX XXXX but have not addressed the XXXX XXXX, XXXX issue.
|
| 07/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/XXXX I submitted a payment of {$1200.00} to Caliber Home Loans. This payment cleared by the XXXX. They are incorrectly reporting that this payment was over 30 days late pulling my Credit score down. They also did this in XXXX of XXXX. We have called them countless times about this issue, sent emails, and even sent certified letters in the mail and they refuse to correct there mistakes.
In XXXX of XXXX Caliber also claimed we had no home owners insurance since XXXX of XXXX and that we were going to be charged a fine for this and we had 30 days to get insurance. We thought this was incorrect but got new home owners insurance which was effective XX/XX/XXXX. Then around XX/XX/XXXX caliber decided they were going to take out there own policy on us with our permission. So they caused us to have 3 active policies, and be charged a fine which sent our escrow plummeting. We contacted them to fix this and they still havent so we are paying an extra XXXX $ a month due to there error.
Due to there repeated XXXX ups we are unable to get a new loan and are going into debt trying to keep up with the money they say we need to pay caused by the mistakes they made.
|
| 07/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/22, I contacted Caliber Home Loans to initiate the process of having my home appraised with the goal of cancelling PMI due to the substantial increase in my home 's value. The Caliber associate I spoke with stated that I would likely not succeed in this process because of " investor requirements '' concerning cancellation of PMI. Specifically, the associate stated that the investor for my loan is XXXX XXXX, which requires a 2 year payment history before cancellation can be requested ( absent substantial improvements to the property ). However, the CFPB website states the following : " Loan investors, including XXXX XXXX and XXXX XXXX, often create their own PMI cancellation guidelines that may include PMI cancellation provisions beyond what the HPA provides. But these guidelines can not restrict the rights that the HPA provides to borrowers. For example, the HPA does not contain any requirements for a loans tenure before a borrower may request cancellation or be eligible for automatic PMI termination ( known as a seasoning requirement ). '' I believe that the 2 year payment history restriction represents an infringement of my rights under the HPA.
|
| 05/08/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
In XX/XX/2019 we purchased a home. Shortly after the time of purchase we provided a letter of tax exemption to the mortgage company as well as the county, school and township. My husband is a XXXX Veteran and receives 100 % tax deduction granted per the VA. We are were aware that until everyone was notified that we would have to pay the taxes on the property. After a few months we called Caliber Mortgage and reminded them of the tax exemption and that we were awaiting the return of tax money paid on the property. Since then we have called at least once a month. Each time the response is they have to do a 21 day escrow analysis in order to see if the money should be returned to us. Caliber Mortgage has also made an attempt to pay the county taxes even after being notified of the tax exemption. The county has since stated they are returning the funds to Caliber Mortgage. Yet Caliber mortgage still says we have to wait for yet another 21 day analysis to return any funds. We have been paying our mortgage on time monthly which includes taxes that we are exempt from without fail. We would like our refund and to no longer be billed for the taxes on the property.
|
| 07/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
We have been a home mortgage Customer with Caliber Home Loans for more than an year and recently refinanced with themselves right during COVID19. They reported 1 day late payment to all 3 credit agencies which hit my credit score heavily which is adding mental stress on top of all COVID lockdown, pandemic related health concerns and managing family to stay safe.
1. The whole world is in lockdown during this late payment time and we are unable to perform our normal tasks and live normal life.
2. They never sent a single email even they captured our email during financing.
2. They sent letter in postal mail about pending payment but due to COVID safety and health concerns we are unable to open the letter on time due to quarantine.
3. They do have all our Bank information where they are withdrawing from last year and we are unaware of their stringent rules that I have to manually re set up Bank information.
4. This is only first payment after refinancing and they did not communicate me on time and in right channels.
5. Their phone calls are mixed with marketing calls and unable to differentiate between all their calls are coming from same number.
|
| 06/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I got phone call from Caliber Home Loans on XX/XX/XXXX.
They told me that I was due for pay for XX/XX/XXXX, and my previous loaner XXXX XXXX XXXX transfer service to Caliber on XX/XX/XXXX.
Actually I had already payed until XXXXBut Caliber said they didn't receive it, and asked me to called XXXX XXXX XXXX to make sure the transfer.
When I called XXXX XXXX XXXX, and they told me the service had already transfer .But XXXX XXXX XXXX XXXXonfirmed I payed it already and payment due date is XXXX requested document for payment history, statements and bank transfer history, and upload to Caliber website, but Caliber 's manager doesn't want to help me and still told me They will not use my documents to change anything.And Caliber asked to call XXXX XXXX XXXX to FAX them.But now they still said it's not their problem and push to XXXX XXXX XXXX.The same thing when I called XXXX XXXX XXXX they said they transfer everything very detail it's Caliber 's problem.They even don't want to call each other to verify.I do whatever I can do now.No one can help me .They just push.I need help because two accounts with two months payment it's around XXXX XXXX missing.
|
| 06/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I got phone call from Caliber Home Loans on XX/XX/XXXX.
They told me that I was due for pay for XX/XX/XXXX, and my previous loaner XXXX XXXX XXXX transfer service to Caliber on XX/XX/XXXX.
Actually I had already payed until XXXX.But Caliber said they didn't receive it, and asked me to called XXXX XXXX XXXX to make sure the transfer.
When I called XXXX XXXX XXXX, and they told me the service had already transfer .But XXXX XXXX XXXX confirmed I payed it already and payment due date is XXXX.I requested document for payment history, statements and bank transfer history, and upload to Caliber website, but Caliber 's manager doesn't want to help me and still told me They will not use my documents to change anything.And Caliber asked to call XXXX XXXX XXXX to FAX them.But now they still said it's not their problem and push to XXXX XXXX XXXX.The same thing when I called XXXX XXXX XXXX they said they transfer everything very detail it's Caliber 's problem.They even don't want to call each other to verify.I do whatever I can do now.No one can help me .They just push.I need help because two accounts with two months payment it's around XXXX XXXX missing.
|
| 07/19/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
XX/XX/XXXX I inquired to caliber home loan about email they sent saying they can drop my mortgage insurance and lower payment on my current mortgage.On the phone loan consulatant XXXX said there is no costs but {$190.00}. I pulled over as he said he must wait on the line while I initial documents online and he can change anything going forward such as term amount etc. I asked about closing costs and was told there were no costs other than {$190.00} as they already have mortgage on house and are simply refinancing. After reviewing it they were tacking on an extra {$10000.00} to my loan for closing costs and XXXX said they would be waved or reversed. So in addition to {$10000.00} closing costs my interest rate would be even HIGHER if I refinanced. So within 30 minutes after I told him I wanted to cancel via phone and numerous emails. The Following day XXXX continued to process loan even after I told him I didn't want to go forth especially with paying higher interest and putting an extra {$10000.00} on refinance loan. I contacted his boss XXXX who then after I told him why I didn't want to proceed asked me why not and continues not to stop this.
|
| 07/18/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
XXXX, XXXX XXXX XXXX true and lawful Attorney-in-Fact XXXX ( hereinafter " XXXX '' ) contacted XXXX, SUPERVISOR, TELLER ID. NO. XXXX of CALIBER HOME LOANS , INC at ( XXXX ) XXXX, Extension No. XXXX to follow up with the phone call XXXX had with XXXX on Tuesday, XXXX XXXX, 2016, because XXXX never contacted and followed up with FTLC on Wednesday, XXXX XXXX, 2016, Thursday, XXXX XXXX, XXXX, and Friday, XXXX XXXX, 2016 as XXXX had promised. Instead of XXXX answering the phone on Friday, XXXX XXXX, 2016, a XXXX, TELLER ID. NO.XXXX answered and took XXXX phone call. XXXX conveyed to XXXX that XXXX stated that SHE would be the one handling CALIBER HOME LOANS, INC., CONDUIT ACCOUNT NUMBER XXXX and XXXX had not heard back from XXXX for the last couple of days to find out if CALIBER HOME LOANS, INC., finally closed CALIBER HOME LOANS, INC., CONDUIT ACCOUNT NUMBER XXXX? XXXX stated to XXXX that XXXX was in a meeting. When XXXX asked and pressed to speak to XXXX 'S SUPERIOR OFFICER ( S ), XXXX denied, prohibited, refused, and stonewalled XXXX so as to get this matter addressed, resolved and cured ASAP, which then she abruptly hung up the phone on FTLC.
|
| 03/31/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Settlement process and costs
|
|
Web |
|
|
My loan was sold by XXXX to Caliber. I called in to make arrangements. XXXX/XXXX/15 I made the arrangement with a representative who told me I would be sent a letter to agree to and sign to get the deal going ... .I never recieved a letter to sign, however I did recieve a letter XXXX the wrong dates and amounts I had agreed to. the letter said the money was due on XXXX XXXX or I would be in default and the amount due is incorrect ... ..
In the meantime my wife is handling all the business of the loan, altho the loan is in my name, I sent a letter of authorization on XXXX XXXX, 2015, They have not uploaded it as of yet and they refuse to speak to my ; wife, I was unavailable to give them verbal authorization and was sure of the fact that I had sent the authorization and they would speak to her. they told me that the letter of authorization was there but has n't been uploaded yet so they wo n't speak to her, allowing us to clear up the situation ... the letter threatens me with default if the money is n't in on XXXX. XXXX, but that was not our agreement ... ... .I will be penalized because of the inefficency of the company that holds my loan.
|
| 11/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I trust this letter finds you well. I am writing to you as a valued customer to address a matter of concern regarding the late payments recorded on my account. I have recently noticed that there have been late payments recorded on my account. I kindly request your understanding and assistance in removing the recorded late payments from my account history. I am committed to ensuring a more consistent and timely payment schedule in the future and value the positive relationship I have with CALIBER XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the CALIBER customer service representative. I am aware that the company has policies in place regarding late payments, and I sincerely hope for your understanding and consideration in this matter. If there is any additional information required or a formal process to follow, please guide me through the necessary steps. Thank you for your time and attention to this request. I appreciate your efforts in helping me maintain the accuracy of my account information.
|
| 01/24/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Please explain what this corporate advance in the amount of {$130000.00} is for.
Looks as though XXXX tried to shove the XXXX loan into the XXXX Trust on XXXX/XXXX/XXXX before the XXXX cut off date. XXXX never owned the XXXX loan, XXXX only acquired the right to service the XXXX loan. Then Caliber returns the loan back to XXXX on XXXX/XXXX/XXXX, 2 days before the loan was allegedly sold to the XXXX Trust? Please explain this back room deal in detail. The print out from my XXXX online mortgage transaction history shows the corporate advance. The Detailed Account History from XXXX is attached that was provided in response to my CFBP complaint in XXXX XXXX against XXXX for fabricated documents used to illegally purport ownership of my home. On this account history the corporate advance information was omitted. What are XXXX and Caliber trying to hide? The fact that they are working together to steal my home.
XXXX/XXXX/XXXX ( XXXX ) XXXX/XXXX/XXXX - XXXX The XXXX Trust closed in XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX/XXXX/XXXX ( XXXX ) Looks like the XXXX XXXX was returned to XXXX XXXX allegedly sold the XXXX XXXX to Caliber on XXXX/XXXX/XXXX.
|
| 02/27/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I wrote a letter to the company via fax about putting money against my principal to lower my loan interest at the end of the year. Instead of me keeping my money in the bank with .o8 % interest versus my loan interest which is 3.375 %. The company, did not respond for about two weeks. I call up the customer service and I was told there is a fee of {$50.00} and I was also told that they have a procedure, called the " recast '' that I needed to follow. I told the lady whom I have spoken with to send me the instructions for me to follow.
I received the instruction asking me to pay {$250.00} for processing fee. When I applied for the loan. I remember there is no pre-payment penalty. All I want is to reduce my principal balance and pay my loan as soon as possible and do not want to go to their long process with a big fee. I wanted to pay my loan now but I am still short.
If needed, I can send you a copy of my letter to the company about my intent and a copy of their procedure with regards to this matter to be more specific. I have experienced to pay off my mortgage loan before at no cost with only a minimal fee for money transfer. Thank you.
|
| 03/31/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
we were advised our mortgage lender put us under forbearance due to hurricane disaster relief in Florida in XX/XX/XXXX for 2 months, and put payments on the end of loan. when it was time to pay, they extended again stating we can have more time since we were getting roof repaired and not to pay until XX/XX/XXXX XXXX in XX/XX/XXXXthey asked for paystubs since they were under impression myself or spouse job changed. we both have been employed in same job over 5 years. we did send stub what they asked for XX/XX/XXXX and current XX/XX/XXXX. we received a call XX/XX/XXXX, & XX/XX/XXXX collection call stating all of the funds were now due. Asked why, they stated forbearance was closed or denied due to lower income now than it was in XX/XX/XXXX. I stated that was impossible and why was this not questioned or asked prior to them closing it. They said we can apply for a loan modification and if cant afford it will sell the home in short sale. I advised we just purchased the home, and had no intentions of selling. we paid 2 months worth of the 6 months arrears over the phone, but are still in default because of their instructions or lack there of.
|
| 04/07/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Over a year ago my mortgage was transferred from XXXX to Caliber Home Loans. It was a very tumultuous time period because I 'd filed for bankruptcy BUT my home was NOT included and I always paid as agreed. Apparently, per Caliber Home Loans over 2 years ago XXXX XXXX XX/XX/2012 XXXX they said that I did n't make a payment, which is not true because my payments were made automatically using automatic bill pay set up with my credit union. My credit union shows the payment made per the history provided. As of recently, I am receiving mortgage statements equating to the missed payments plus late fees that they just tacked onto my account. Everytime I call Caliber loans, I speak with a different representative who provide a different story regarding my account and want me to agree to pay the late charges when I was never late. Also, prior to this discovery, they were not reporting on my credit report and NOW they want to report derogatory information which absolutely not true. Please provide the necessary assistance I need because I will not pay XXXX for payments Caliber say I missed in XXXX XX/XX/2012 to XXXX. I 've always paid my mortgage.
|
| 12/20/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I lost my job in XX/XX/XXXX and was without adequate replacement income until just recently. I originally contacted our lender not long after it became apparent we would not be able to pay our full mortgage amount, and continued to send partial payments as we were able. Submitted loss mitigation application through our lender in early XXXX, and throughout the process submitted all documents as requested. At no time was unemployment forbearance discusses ( did not even hear of this option until this month from another party ), and was not told of Save Your Home California until XXXX, when we were denied assistance by our lender and told we did not qualify for any assistance with our lender. Unfortunately I do not have many documents from along the way, as I was not expecting this outcome and did not take detailed notes about all phone calls, but I have recently informed my lender of our extreme dissatisfaction with their assistance in saving our home, and their lack of information provided about all options that may be available to us. Assistance is currently in review with XXXX, but foreclosure process has been started by our lender.
|
| 01/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I refinanced my mortgage through Caliber Home Loans. I worked with XXXX XXXX ( NMLS : XXXX ) to start the process and gather all documentation. I received disclosure documents a week prior to closing which indicated that I would be getting approximately {$2500.00} back at closing. On the day of the closing, I received an email with an updated loan disclosure, which included 50+ pages. I did not have time to review before closing, so I emailed and called XXXX to get a summary of changes. He never got back to me. After the closing, I attempted to contact XXXX ( or anyone else at the company ), but I did not receive a call from anyone. The last minute change reduced my cash back to {$2000.00} and I received no explanation why that happened.
Additionally, my wife received a piece of mail 5 days after closing that was supposed to have been received 3 days prior to closing. The document is dated one day after the closing.
XXXX was extremely responsive prior to closing, but went completely missing the morning of the closing. I feel wronged by this inaction and lack of communication and believe that he should be reprimanded for this.
|
| 03/22/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Company refuses to provide me with the process for paying additional money on my account. I submitted inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and although their email response states I will hear back within 5 days, I have not received the information requested. Additionally, my online payments used to have a way to pay extra money ( an amount of my choosing ) to my account ; however, that has disappeared. I received one response that I need to call to get the information. That is not acceptable! This simple question can be answered in writing. The only reason for them not to answer is that they want to continue charging as much interest as possible. This is the second time I have had to contact you to get this simple question answered. They restored my online ability to pay an amount of my choosing online mysteriously in that case, stating it was always there. This time I will attach proof that it is not there. And I want to request that it REMAIN until my account is paid in full. Furthermore, they have not at a minimum provided me with mailing instructions either for mailing in extra amounts of my choosing to my account.
|
| 08/06/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
I have made several attempts over the past few months to have Caliber and XXXX to accurately report my on time payments on my credit file to no avail and to date, I have been unsuccessful. Caliber 's last report date was XXXX XXXX, 2017. Is there a reason why XX/XX/XXXX and XXXX 2017 reporting was n't made on this date ( XXXX XXXX, 2017 ), when in fact Caliber is responsible for reporting on the XXXX of each month? Per my reporting via XXXX pulled on XXXX XXXX, 2017, XX/XX/XXXX and XX/XX/XXXX payment status reflects " NR '' while XX/XX/XXXX, XX/XX/XXXX and XXXX 2017 were left blank without a reporting status. XX/XX/XXXX - XXXX 2017 should all reflect as " paid on time '' not NR for No Reporting or left blank. This is an on going issue that has not been directly addressed. My concerns are " specifically '' geared towards the above mentioned months NOT anything beyond that. Again, I am requesting that Caliber correct and update the reporting of my on time payments for the months of XX/XX/XXXX - XXXX 2017. See the attached supporting documentation. Please do not respond with a letter that does not specifically address my concerns.
|
| 03/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Our mortgage was sold to Caliber Home Loans from XXXX. We were to begin making payments to Caliber. We authorized our first payment to Caliber to later find out that Caliber turned the payment over to XXXX to cover a past due payment. I called and questioned why the payment did not get credited to the account number and company that I authorized it to go to and was told that Caliber. After questioning serval for phone agents I did not recieve satification in their responses. Since the payment would not be credited to the account I began to apply for a modification because we would now be behind with Caliber. After submitting modification paper work I was told that I need a profit loss statement because I received a XXXXmisc at the end of the tax year. I explained that I did not have a company and worked as a testing administrator as needed. I was told to find one online and fill it out. I found a generic form and filled it out averaging the total for the year in 2 statements and submitted the forms. Still upset that the payment did not get credited as authorized I was then told that I need to resubmit forms with my signature.
|
| 01/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I fell behind on my mortgage XX/XX/XXXX and contacted Caliber on XX/XX/XXXX to discuss what my options were to cure the default. Per XXXX ( employee id XXXX ), I could extend my forbearance or apply for loss mitigation and she would mail paperwork to my home. On XX/XX/XXXX XXXX ( employee id XXXX ) stated that my deferment agreement was due back by XX/XX/XXXX with a mortgage payment due XX/XX/XXXX. I never received this agreement nor did I receive any phone calls about a possible deferment. On XX/XX/XXXX, XXXX ( employee id XXXX ), stated that if I was unable to make a payment then I would have to apply for loss mitigation. I told XXXX our hardship would be resolved so we could resume payments XX/XX/XXXX but XXXX said that was not an option so I submitted my paperwork on XX/XX/XXXX. On XX/XX/XXXX a letter was mailed stating my request for assistance was denied due to me not accepting the deferment option. My mortgage company forced me in to a plan that I could not comply with, forcing me to apply for an alternative only to be denied. I have only followed the instruction of my mortgage company and will now be left homeless.
|
| 09/28/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I originally was approved for a home loan with Caliber Home Loans back in XX/XX/2020 at a XXXX interest rate. I also originally obtained homeowners insurance with encompass and bundled auto insurance as well with a home insurance yearly premium at that time of {$930.00}. I later took the vehicle off in XX/XX/2020 of the bundled insurance bringing my home owners insurance premium up at that time to XXXX. I later refinance loan in XX/XX/2020 and my homeowners insurance yearly premium at that time again was {$1100.00}. In the refinance documents in XXXX Caliber had my yearly home owners insurance rate on the closing documents of {$1000.00}, which was {$100.00} short by 3 months. Now Caliber is saying my escrow is short {$310.00} due to caliber trying to play catch up to their error. Which is causing escrow shortage.I understand there are increases but my main concern is the shortage in my escrow account that shouldnt of happened based on caliber home loans mathematical error. I feel this is unfair, kinda swept under the rug when speaking with agents and is a very high personal concern of mine that was this may happen again.
|
| 10/28/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I became delinquent with my condo association dues and in order to catch up a settlement stipulation was proposed and accepted. Approximately 6 months later the attorney who I was sending payments to was fired by my home owners association. At this time the balance owed was approximately XXXX dollars. The new attorney fees brought the balance up to approximately XXXX dollars. I was approved for a short sale by the mortgage company but received an estoppel letter from the home owners assoc attorney, demanding XXXX. After the sale was stopped the attorney demanded the XXXX in full ( even though i was making payments on the settlement stipulation ) or threatened foreclosure. They did foreclose and the association bought my condo at auction for XXXX dollars. Now the mortgage company is auing the homeowners assoc and me.
In spite of the fact that I had received a modification on my mortgage and was current I believe my homeowners assoc and thier attorneys strong armed me out of my condo.
I am niw looking at probably having to file bankruptcy due to their actions. Any assistance you can provide will be greatly appreciated.
|
| 02/09/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have been working with Caliber regarding a loan modification and have submitted all documents in a timely manner. Since XX/XX/XXXX, I have been submitting all documents on time and within a 3-5 day period to ensure there is no time gap in between. I feel it is completely unfair to now tell me on XX/XX/XXXX that the application can no longer be reviewed because the docs were not received 37 days prior to the sale scheduled for XX/XX/XXXX when on XX/XX/XXXX I was requested to send in documents and sent them in within 3 business days. Why even tell me to send in the documents if they were aware they could not review it? Hence wasting my time when I could be preparing for something else. Now I am worried again about the upcoming foreclosure and do not feel I have been provided with alternatives options to save my home. At this point in time, I do not nor have I ever had a designated point of contact through Caliber nor has anyone reached out to me when I became in default to provide options to save my home. I initiated contact and reached out to an attorney to find out my options and feel my rights are being violated.
|
| 05/15/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
X/X/2016 Requested and received a payoff letter on our mortgage to sell our home XXXX {$170000.00} payoff amount XXXX XXXX offer on our house and signed a lease on new home Packed up and moved out X/XX/2016 After accepting offer and signing a lease on our new residence ; Mortgage Company went a new payoff letter ( {$200000.00} payoff amount ). We contacted Mortgage Company and they requested that we ask the buyer for more money. Buyer did not qualify for increased amount. We asked the bank to consider the fact that we accepted the offer on their mistake and asked for forgiveness. The Mortgage Company did not respond and on XX/XX/2016 we lost the sale. We were paying on our lease x 3 months at this point. on XXXX Mortgage Company sent us yet another payoff letter for {$170000.00}. We found another buyer and sold the home and paid off the mortgage. Mortgage company financially stifiled us for 4 months and then after the sale was completed ; listed us on Credit report as 6 months in arrears and Bankrupt. Attempted to dispute and they sent a letter stating that they were correct.
|
| 01/29/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I filed Bankruptcy in XXXX of 2014 which excluded my home and truck : XXXX were exempt and it states it on the Court documents. My mortgage company, Caliber Home Loans, has listed my house on Bankruptcy status since that date for which it was exempt but I just found this out recently and the mortgage co. informed all the credit bureaus also that it, my home, was in Bankruptcy status also, which I have a recent letter from them stating they informed them, so when I was getting credit help they stated that prior reporting was accurate and the request to remove anything they were unable to do.
I went to get preapproved for a home loan and the Loan Officer told me that it was under Bankruptcy so I would not be able to get a loan for 7 years.
I have been in contact with my mortgage co. and they know it is exempt but will not remove the status and I have been shuffled from person to person. My credit is bad enough without this but not as bad without this on it. I want it to be taken off my credit reports, all XXXX, and reflect that it was knowingly put on the credit report information that was not correct.
information.
|
| 09/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I refinanced a mortgage with a different company and the title company sent wire transfer to payoff existing mortgage confirmed receipt on XX/XX/XXXX. Amount exceeded mortgage payoff by XXXX ( as estimated by refinance company ). Original mortgage company determined the excess and is withholding remitting the overpayment to me for 21 days arbitrarily stating CFPB policy requires them to hold the funds for 21 days in the event the bank reverses the payment yet wire transfers do not have the same 21 day reverse window that other payments like personal checks have. Therefore Caliber is withholding XXXX for 21 days unnecessarily and refuses to send funds any earlier. State at 21 days they will then " mail '' a check to me by regular postal mail only which gives them even longer to hold my money interest free. Even if you can not resolve this for me personally, I believe mortgage companies obviously need even stricter regulations to prevent them from abusing the consumers by withholding substantial funds for extended periods to further enhance their profitability and cash flow at the expense of the consumer. Thank you.
|
| 09/22/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Why did your company deny my right to a complete servicing file, in CFPB complaint number XXXX? In your response dated, XX/XX/2016, your company responded ; " Please note, all other items are considered unduly burdensome and will not be provided. '' My house has a set foreclosure sale date, XX/XX/2016, due in part to errors contained within account. How is assisting me, by providing requested documentation, I have rights to under RESPA, in efforts to prevent the foreclosure of my home, " unduly burdensome ''? How is obeying, rules and regulations, set forth by RESPA, in execution of duties as role of servicer, " unduly burdensome ''? Please explain in detail.
Your companies arrogance, and blatant violation of rules, set forth by agencies of the US government are troublesome, and should IMEDIATLY, brought to the attention of regulators, and appropriate action should be taken, at once.
Please cease foreclosure proceedings in relation to this account, and fix all errors, in relation immediately!
Thank you for your cooperation as we do n't want to lose our home and this information will help us to save our home.
|
| 12/08/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/XXXX my Attorneys sent CALIBER HOME LOANS, XXXX XXXX XXXX XXXX. and the XXXX XXXX XXXX XXXX C/O: XXXX XXXX, at XXXX XXXX XXXX, XXXX, XXXX, TX XXXX, along with a copy to the Attorney General of Texas, and the Department of Justice of the U.S., FBI, Fraud Investigation Department, along with XXXX XXXX XXXX, XXXX, ( Servicer ), the attached letters requesting TILA documentation under Regulation X and to date, they have still not replied. On my Deed of Trust signed on XX/XX/XXXX ( attached ), specifically on page 13 of 16, number 24, it clearly states that only the LENDER can substitute the alleged TRUSTEE. Yet on or about XX/XX/XXXX, XXXX XXXX XXXX, acting as Vice President of/obo Attorney in Fact for Caliber Home Loans, Inc., the SERVICER, allegedly assigned my Deed of Trust to XXXX XXXX XXXX XXXX, ACTING AS TRUSTEE FOR THE XXXX XXXX XXXX XXXX at the same address as Caliber Home Loans, XXXX XXXX XXXX, XXXX XXXX OK XXXX, which we believe to be a fraudulent document recorded on Public title which is a felony. Also, there is no mention of the assignment of the Note which violates the FCPA, 15 USC 1641(f)(g).
|
| 08/14/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have filed for a loan modification and was just recently informed that it was denied because I took to long and did n't have the money to make the 31 % money in excess. Now I have been waiting for a period of over a month to be told that my paperwork was put in late but I went through a credit counseling agency that looked over all the paperwork, submitted for me. If it was n't for the mortgage company taking their grand old time telling me over and over I was missing documents, the paperwork would have been out arrived in time and they never mentioned that to the credit agency that submitted the paperwork.
For the last month I called and was kept being told it was in review. However on XXXX XXXX I was told it was denied. The practices of this mortgage company to me are morally dishonest because they said if I came up with XXXX dollars then they would work with me.
None of these do called programs have been able to help me and my wife and I are both XXXX and now will be evicted from our home.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXX XXXXXXXXXXXX could help us, I find that totally unbelievable.
|
| 04/03/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
Older American |
|
I was marketed by Caliber Home Loans via a letter. I applied for the refinance of my home with Caliber Home Loans, only after they assured me that a prior Chapter & BK and included foreclosure would not be an issue. I was charged for an appraisal an we supplied all of the requested documentation to process the loan.
We are then told that they could not approve the loan based on the BK and Foreclosure. When I mentioned the statement from the loan officer XXXX that she had received written permission regarding this, then the issue of disputes on our credit report were brought up. I requested that information so we could correct those inaccuracies on our credit report. I was told that it would be sent and it was not.
Now I am told the the Fanny Mae DU system did not accept our loan file. I believe this to not be true and also feel this process of obtaining a XXXX DU finding would have be done in advance of ordering an appraisal.
I feel that our loan file was not processed in a manner to protect us from un-necessary charges of the appraisal fee and I do request an immediate refund of this expense.
Thank you.
|
| 01/06/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Caliber Home Loan purchased or was servicing the loan from the prior company never notified all interested parties as I am on the note and deed but not on the Mortgage. I have been trying to save the home as I purchased the properties with a partner which is the primary person on the documents.
I have received recently information regarding foreclosure which I was never notified of the initial delinquency or intent to foreclose and nothing regarding a lender placed insurance policy placed on the home. I requested copies of original signatures on the documents signed at closing ie Note, Deed etc. To date they mentioned since Im not the initial person on the loan they can not speak to me but they have initiated me in the foreclosure process. I would like to modify these loans as they are upside down the amounts owed currently and the values and underwater. No one from this Mortgage company ( which the original company XXXX ) has contacted me directly via phone other than initiated a foreclosure process..
Please look into this company and its current dealings as I am in the dark about the documents requested.
|
| 08/16/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My current loan company, Caliber home loans, paid taxes on a parcel number that was not mine, and was actually discontinued before I bought my property ; from my escrow account and now will not refund my money. To add insult to injury, they are wanting me to pay more money into my escrow account for my taxes when they used my money wrongly. They made XXXX payments of XXXX $ to parcel XXXX and XXXX payments of XXXX $ to parcel number XXXX, neither of which have ever been mine. Total of {$2700.00} which was removed from my escrow account and never returned. I also paid an installment for XXXX for XXXX $ I have filed many complaints and have been trying to get it solved for over a year now. They told me to give them more time. I called in 3 months, and the representative had told me they closed my compliant without resolving it or refunding my money. I want some one to be held responsible for this error and want my money refunded into my account instead of them trying to take more money from me. I have always paid everything on time and all my paperwork and payments have been on time. Please help me solve this.
|
| 02/08/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
On XX/XX/2018 I sent my mortgage holder, Caliber Home Loans Inc. XXXX. XXXX XXXX XXXX, TX XXXX a check for {$4000.00} to cover my normal monthly payment and extra on principle. On XX/XX/2018 the check cleared my bank but was never credited to my account. According to the back of the cleared check it appears that it was Cashed by XXXX XXXX XXXX. The back of the check said " CR PAYEE ACCT LACK END XXXX XXXX XXXX XXXX ''. I understand that it means it was credited to Caliber Home Loans account with lack of endorsement, guaranteed. Caliber claims they have no record of it. Around XX/XX/XXXX I was finally able to talk to someone from the home loan department at XXXX XXXX XXXX who directed me to send my information to XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. Which I did and after 3 months have heard nothing.
In XX/XX/2018 Caliber Home Loans started charging extra to make payments on line. I made the XXXX payment by check, they received it but did not apply it as I requested. The XXXX payment was made by phone, which they miss applied. It appears they are trying to force payments to be made on line.
|
| 06/22/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I took out a home loan in XX/XX/XXXX with XXXX XXXX which filed Chapter XXXX Bankruptcy. I spoke with the Trustee and they informed me that the loan had not been sold. I did a HAMP modification and the current Servicer has not given me the documents requested regarding the HAMP Program and signed modification agreement. As anyone can clearly see the payment history and loan balance do not make any sense, since I was current on all payments and therefore received payments from the Federal Government according to the HAMP guidelines, which Caliber Home Loans refuses to give me a copy of. They start their balance sheet on XX/XX/XXXX which was the first payment due with an unapplied funds account with {$100.00}, a Late Charge of {$780.00}, and Fee Balance of {$1000.00} which are absolutely incorrect and I have been paying on this since XX/XX/XXXX, plus interest and other late fees and costs, while I patiently waited for my " free '' HAMP loan modification. Once again I request that the Attorney General and the Consumer Financial Protection Bureau please audit this loan as soon as possible since I suspect fraud.
|
| 03/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
You transferred the servicing of my loan to XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX loan number XXXX ) effective XX/XX/2021. I made three mortgage payments by ACH transfer to you on XX/XX/2021, XX/XX/2021, and XX/XX/2021. I have attached copies of my bank statements with these payments highlighted.
I was informed by XXXX, XXXX that the XX/XX/2021, payment was transferred to them. As shown on the attached bank statement for the month of XX/XX/2021, on XX/XX/2021, you refunded the XX/XX/2021, payment to the bank account from which it was paid. The XX/XX/XXXX payment has neither been transferred to XXXX, XXXX nor refunded to me, as I believe is required by law.
I have had numerous telephone conversations with your Customer Service Department, as well as with Customer Service of XXXX XXXX XXXX, to get this matter resolved, to no avail. In the meantime, XXXX XXXX XXXX is attempting to collect late fees from me, and has even sent two Notice of Default Right to Cure letters because of your failure to transfer the XXXX payment as required by law. This is causing my wife and I a great deal of stress and XXXX.
|
| 06/17/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
My payments are due on the XXXX of each month. Each month, my bank sends by " bill pay ' ', Caliber Home Loans a check on the XXXX of each month enough time for Caliber Home Loans to process the payment before the XXXX . I have documentation that shows recent payments were sent to their XXXX XXXX and w as scanned in the mail by t he USPS. However, Caliber Home Loans is not processing them until after the late date, thus sending me late notices and charging late fees. Caliber tells me they must process payments within 24 hours, but are not. If they are picking up their mail, then the payments are sitting on someone 's desk. They say its my problem that they are not responsible for the mail, but it is sent to them and I have no control over how many times they visit the XXXX XXXX . Ev en if we mailed a personal check to them to their XXXX XXXX by their direction, it appears that personal check would not be processed in a timely manner. I am concerned they are reporting late payments to the credit bureaus and I do n't deserve this type of treatment since they own the above issue.
|
| 01/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I submitted a complaint bc I keep receiving emails from Caliber Mortgage that states my mortgage payments are applied to another address. Ive forwarded the emails to my loan officer who has tried to rectify the situation. I will continue to submit complaints, until they acknowledge and correct the issue : below is a cc of what I receive every month. I do not live or hv ever lived at the address below.
Thank you for your recent payment!
Confirmation Number : XXXX Property Address : XXXX XXXX XXXX, XXXX, PA XXXX XXXX Account Number : XXXX Your Bank Account or Card # : XXXX Below is a summary of your one-time payment to Caliber Home Loans , Inc . Please keep this confirmation for your records.
Scheduled Payment Date : XX/XX/2021 Payment Amount : {$1100.00} Total : {$1100.00} Note that payments may not post to an account the same day as scheduled when submitted after XXXX CST, Monday through Friday. If received after the cutoff time, the payment will be processed the next business day.
If you have questions about this transaction, please contact one of our Customer Service agents at ( XXXX ) XXXX.
|
| 08/03/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
The enclosed Assignment of Mortgage filed in the XXXX of the City of XXXX on XXXX XXXX, XXXX, was manufactured in order to pursue an illegal foreclose action.
On XXXX XXXX, XXXX XXXX was [ XXXX ] ot licensed or registered to operate in the State of New York according to the XXXX ( XXXX ) whom can be reached for this verification at ( XXXX ) XXXX ( Monday through Friday, XXXX to XXXX ).
XXXX and XXXX did [ XXXX ] ot exist on XXXX XXXX, XXXX and XXXX XXXX was [ XXXX ] ot an employee ( Assistant Secretary ) of Mortgage Electronic Registrations Systems, Inc ( MERS ) on that date. MERS is a shell corporation with no employees.
XXXX XXXX was also showing to be an employee ( Assistant Vice President ) of XXXX XXXX XXXX on the same exact date of XXXX XXXX, XXXX.
XXXX Mortgage, XXXX publicly went out of business as per its Chapter XXXX liquidation filing under its bankruptcy. XXXX also went out of business in the year XXXX.
Additionally, XXXX XXXX also signed the enclosed Assignment of Mortgage as an ( Assistant Secretary ) for XXXX on XXXX XXXX, XXXX. XXXX publicly went out of business in the year XXXX.
|
| 07/10/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
The problem is that someone else used my physical property description on their FHA Partial Claim mortgage. The FHA mortgage was given to the borrower on XX/XX/2022. The borrower signed on XX/XX/2022. The property description attached WAS NOT to his property, but listed the physical description to my property ( which is in a different county ). It appears that the borrower 's original mortgage has been transferred to another company and I reached out to the new company- with no resolution. Please note, this problem was identified when I tried to refinance my own mortgage to make some home improvements. Both my mortgage and title companies have reached out to HUD and the current mortgage company for the borrower and have gotten no answers/assistance/resolution. This has been going on for months- and we keep getting the runaround. We need this title issue fixed immediately as it is currently showing a HUD lien on MY property- which is incorrect.
**Note : a copy of the borrower 's FHA Partial Claim mortgage is too large for me to attach to this online complaint, but I do have it should it be needed.
|
| 04/02/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
The mortgage Officer attempted to secure me a cash-out refinance. I have very unique circumstances which I explained to the loan officer. The mortgage on the property was in my deceased mother 's name. The property was titled to myself. I had been making all payments since the property was purchased in XXXX. The loan did not materialize because of late payments made in XXXX. The loan officer was negligent because the payment history was disclosed to him pretty early in the process. He requested I pay for an appraisal at a cost of {$500.00}. He knew that the loan was not possible due to the late payments. I was not sure how this affected the transaction. The mortgage was not in my name, he is the trusted professional, not me. I counted on his expertise in this matter. I have had 3 different appraisals since XXXX of XXXX ( Mortgage 1, Caliber Loans, and XXXX XXXXXXXX XXXX XXXX ). Caliber Loans is the only financial institution to charge me an appraisal fee. I strongly believe Caliber Loans should return my appraisal fee because they ordered it knowing the loan would not proceed due to late payments.
|
| 09/09/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
My mortgage was sold XXXX to Caliber Home Loans after my bankruptcy. At that point I attempted to obtain a mortgage modification and this has been a year long process that has gotten me nowhere but further behind in my payments. No matter what documents I submit they ask for more. When they give me a list of needed documents, I submit them only to find out they need more. After my bankruptcy I began making my mortgage payments to keep the delinquency from growing and for XXXX months they accepted these payments and then all of a sudden they said they could not accept the payments anymore. Understandably the fines and fees continue to grow. On XXXX XXXX, 2015 I was told by their agent that if I came up with $ {$17000.00} and was willing to pay {$960.00} per month extra for XXXX year, we could settle the whole thing. I had to the end of the month to come up with the money. I called on XXXX XXXX, 2015 and all of the sudden the deal changed. They said they needed more money up front and could only finance the deficit for eight months. It seems as though they really do n't want to help me settle this.
|
| 05/30/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
I received a notice in XX/XX/XXXX that my mortgage payment would increase by {$610.00} per month beginning XX/XX/XXXX.
The reason was an escrow shortage. They said my escrow account is short {$4200.00} and that following repayment of the shortage, my mortgage payment would be {$1400.00}. This is an increase of {$260.00} per month.
I sent the mortgage company ( Caliber Home Loans ) a certified letter requesting specific historical information on beginning and ending balances since the inception of the loan in XX/XX/XXXX, tax and insurance bills received and disbursements made. The notice I received only shows the previous year. I received a refund of excess escrow in {$1200.00} in XX/XX/XXXX. My mortgage payment has been adjusted multiple times since the loan originated. Consequently, I have no confidence that the accounting is correct. So, I requested full documentation of all escrow activity.
My understanding of my rights is that a reque3st for information must be handled within 5 business day. The mortgage company received my letter on XX/XX/XXXX. I have not received any response to date.
|
| 09/02/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
XXXX XXXX, Vice President with Caliber Home Loans response to CFPB # XXXX is that Caliber Home Loans have not violated any servicing guidelines on my loan. Caliber also claims that Caliber has already provided me with supporting documentation and/or clarification relating to XXXX XXXX. When in fact all of the supporting documentation that I have received from Caliber to date supports that she was/is an employee of XXXX XXXX XXXX XXXX. aka Caliber Home Loans and/or XXXX XXXX XXXX. To date I have received no supporting documentation that XXXX XXXX had power to execute on behalf of XXXX XXXX XXXX., XXXX XXXX XXXX of North Carolina or XXXX. Furthermore I do n't have documentation that she had power from Caliber Home Loans either, because she is not listed on nether one on the Certificate Of Incumbency that I have on file for Caliber Home Loans. I only have documentation that she worked for XXXX. XXXX XXXX. I have never been notified by XXXX or XXXX that my servicer changed to XXXX XXXX XXXX XXXX. If Caliber or someone would deeply Investigate th is matter, I am sure we can bring it to a resolution.
|
| 10/26/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My mortgage is serviced by Caliber Home Loans. On dozens of occasions I have received email and mail marketing solicitations from their originations unit, encouraging me to refinance. On at least five occasions, I requested to be removed from their marketing list electronically, to no avail. I then called a representative and asked to be removed, again to no avail. Finally, in XX/XX/XXXX, I emailed XXXX XXXX, Caliber 's SVP of Strategic Growth whose signature graces every solicitation. I received a letter back on XX/XX/XXXX apologizing and confirming that I had been removed from the marketing list, and cautioning that I may receive one more mailing. Over the past few weeks, I have since received multiple additional letters in the mail. Today, I received a letter dated XX/XX/XXXX, weeks after I received written confirmation that these annoying letters would stop.
My right to opt out is guaranteed by the Gramm-Leach-Bliley Act. Either Caliber 's process is unable to comply with my request, or they are willfully ignoring my request. Either way, it 's time the federal government knew about it.
|
| 01/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We closed a home loan with Caliber home Loans in XX/XX/XXXX ( first mistake ). On XX/XX/XXXX we get a notice that our ACH has been canceled and in a separate envelope, we had a mortgage statement asking for a payment. I called Caliber ( spent 9 min getting through all their prompts trying to get to a live agent ) and inquired about our loan status and ACH. Our account online shows as active and the next payment is due XX/XX/XXXX ( which has me confused since they just mailed me a statement asking for payment ). Additionally - our online account with Caliber shows no indication the loan has been sold and will still allow extra payments. I was then told ( by the agent ) they are sending me a check ( in about a month ) for our escrow balance and I had to figure out what to do with that money with the new mortgage provider XXXX? I understand loans get sold but we have had no communication related to the sale, our online account with Caliber is still active and allowing payments, no clarity on why escrow was not transferred over and we have no information or communication from this new company.
|
| 01/18/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I filed Chapter XXXX Bankruptcy on XX/XX/XXXX to save my home and the criminal Attorneys informed the Court that I was late on my post-petition payments which is a lie, misrepresentation, and fraud on the Court. I made all my post-petition payments as agreed and the Chapter XXXX Trustee made all the pre-petition payments as agreed to XXXX XXXX XXXX, XXXX, acting as alleged Trustee, while Caliber Home Loans claims to be the Servicer, and acting as Attorney in fact. The XXXX Law Firm handling this failed to present the evidence to the Court at a hearing on XX/XX/XXXX. I spoke with XXXXaliber Home Loans directly, in both departments Customer Service, and the Bankruptcy Department and they admitted that they make a mistake and would update the account and send me an updated payment history for post-petition payments and they have still not done so. I would like the CFPB to investigate and refer this fraud to the FBI immediately. They purposely hid all the payments made from the Court in order to lift the automatic stay and try to steal the home of my XXXX and XXXX year old parents and myself.
|
| 02/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XXXX XXXX we refinanced our home with XXXX XXXX. Both XXXX XXXX and our previous lender paid our property taxes that were due XX/XX/XXXX.
XXXX XXXX payment was processed first so the check from Caliber Home Loans would be refunded back to Caliber and then back to me as an escrow refund.
I called in XXXX to find out the status of the refund and hit a brick wall. No refund was issued but they said to keep an eye on it. Calling every two weeks through today, XXXX XXXX and there is still no refund in sight. Frustrated I emailed my county tax commissioner who stated that not only have they issued the refund but the check to XXXX XXXX ( part of Caliber ) but XXXX XXXX cashed the check on XXXX XXXX. This was a bulk refund that included several hundreds of thousands of dollars. Caliber continues to claim theyve not received it even though they cashed it.
I continue to be told that there is a finish date on my account for XX/XX/XXXX and that they will continue to investigate where the check is.
The check is sitting in their account earning interest on money that doesnt belong to them.
|
| 07/23/2016 |
Yes |
- Other financial service
- Credit repair
|
|
|
Web |
|
|
Dear Consumer Financial Protection Bureau : ( 1 ) Property located at XXXX XXXX XXXX XXXX new jersey XXXX should not be in mu name, XXXX XXXX XXXX. I, XXXX XXXX XXXX, did not sign the application for the loan, and the contract was legally rescinded.
( 2 ) There is a legally binding contract ( SHORT SELLAGE-bank approval ), and the buyer is in breach of contract.
( 3 ) A foreclosure is in process, and their paperwork service of process is defective. I was not served the complaint or summons and the default judgment awarded them is VOIDED. Their was no due diligence on their part when they intentionally knew the mailing address XXXX XXXX XXXX XXXX Georgia XXXX.
XXXX XXXX ) I, XXXX XXXX XXXX, keep have the same problem with self-proclaimed thugs, lawyer judges, et.al in the state of New Jersey and they need to STOP, adhere to their Laws/Statutes/Codes/Rules.
Make them understand this simple concept : What they are doing is wrong.
Please provide immediate resolute remedy without them further negatively affecting me, XXXX XXXX XXXX-The Innocent victim.
XXXX and XXXX, XXXX XXXX XXXX
|
| 05/15/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
I initially filed a claim against XXXX. They informed me that " the mortgage was sold and servicing was transferred to XXXX, XXXX XXXX XXXX, XXXX. This has lead to a Summary Judgement for Foreclosure. The Sheriff Sale is pending now, for XXXX XXXX, XXXX. The listed Plaintiff is TRUST, c/o XXXX XXXX by assignment. According to an independent Forensic Loan Audit, the " mortgage was in Violation of the " FTC Act and Unfair & Deceptive Acts and Practices. '' Some of the specific Violations cited were 1 ) Unconscionability, 2 ) Duty of Good Faith and Fair Dealing, 3 ) Unfair and Deceptive Acts and Practices, 4 ) Preditory Lending, 5 ) Lack of Due Diligence in Underwriting, 6 ) Inappropriate Loan Program, 7 ) Deception, Fraud, Unconscioable, 8 ) Equity Stripping, 9 ) Targeting, 10 ) Acccording to the Audit, the lender Violated section 5 of the Federal Trade Commission Act. A copy of the Forensic Loan Audit is attached ; a partial list of excecive collection calls, after contact ; Letters re : Request for " Validation '' of Debt.or stop contact ; copy continued contact. & response to request..
|
| 06/22/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I purchased the property XXXX XXXX XXXX XXXX XXXX, MO XXXX on record, XX/XX/XXXX, with XXXX XXXX County, MO with DAS Equisition. The loan was transferred during the purchase grace period to Caliber Home Loans with no payments on record or due at the time of transfer. Caliber Home Loans has a Partial Loan Deed of trust as loss mitigation on record for the property, dated XX/XX/XXXX, and has refused to provide financial documents on the payment history of my loan during the time of their holding. Caliber Home Loans had already sold the loan according to records of the XXXX date.
Caliber Home Loans has changed the dates on late credit reporting, the partial deed of trust and signature, and the timeline of my payment history, which Caliber Home Loans states are correct. The above-mentioned documents are all different timeline dates. If Caliber Home Loans refuses this final time to present detail financial records of the loan during the time of their holding, remove the late marks on my credit reports and refund the amount owed to me, I am prepared to follow the next step of legal action.
|
| 07/23/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This will be the seventh complaint submitted to CONSUMER FINANCIAL PROTECTION BUREAU ( hereinafter " CFPB '' ) starting from XXXX XXXX, 2016 until today XXXX XXXX, 2016 against CALIBER HOME LOANS , INC . This complaint will be another addendum to the prior XXXX prior complaints submitted against CALIBER HOME LOANS, INC., which are Case Numbers XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX.
XXXX ( hereinafter " XXXX '' ) my true and lawful Attorney-in-Fact contacted CALIBER HOME LOANS, INC., on Friday, XXXX XXXX, 2016 and someone named XXXX, SINGLE POINT OF CONTACT AGENT, TELLER ID. NO. XXXX answered the phone. Like the other XXXX prior case numbers as listed above, XXXX kept XXXX hostage, by delaying, prohibiting, and stonewalling XXXX from speaking to a SUPERVISOR or HER SUPERVISOR, until SHE finally connected XXXX to XXXX, SUPERVISOR, TELLER ID. NO. XXXX relating to CALIBER CONDUIT ACCOUNT NUMBER XXXX almost XXXX minutes later. This abusive and intentional draconian practices needs to cease and desist IMMEDIATELY now and in the near future anytime XXXX contacts CALIBER HOME LOANS , INC .
|
| 11/30/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I was affected by Hurricane Harvey and was approved for a forebearance plan on XXXX-XXXX-17 with Caliber Home Loans that would allow me to skip my mortgage of XXXX for months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The forebearnace plan was offered to me, and since I needed to make home repairs, I took advantage of it since I was told my balance would be added to back of the loan and that my payments would resume as normal in XX/XX/XXXX. Today, I fear Ive been scammed. Ive received bills and a certified letter stating Im at risk of foreclosure and the total amount is due. Yesterday I spoke with XXXX in customer service and was told that I could avoid foreclosure my remodifyinh My loan and that it was already going through that automatic process which could result in higher interest rate ( my current rate is 3.625 and he stated it may go up to 4 percent or more. Caliber has taken advantage of hurricane Harvey victims by promoting payment plans via get help hooks on their website and yet developing a scheme that is only benefiting them, and will only hurt their clients. Please help.
|
| 06/09/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I would like to explain my situation to you. We, XXXX and XXXX XXXX were supposes to be foreclosure on our home on XXXX XXXX, 2015. The foreclosure did not materialized. I call the law company XXXX XXXX XXXX XXXX XXXX XXXX XXXX and told them. I Caliber Home Loan and told them. They sent me out a new bill on XXXX XXXX and I call a good company XXXX XXXX ) who was sent a proposal to Caliber. I did not know the illegally foreclosed on our home on XXXX XXXX and coupon for {$71000.00} payment amount was not due until XXXX XXXX. We did not receive a notice for the lawyer or anything. They did it under the table. My account number with Caliber was XXXX. I have all documentation. The loan was transferred to Caliber from XXXX who is still apart of Caliber. I hope you can help me get my house back. The people who purchased the home is XXXX XXXX, who was going to let me stay but claim his partner with not. The only number I have for them is XXXX. First name XXXX and do n't answer my phone call at all. My number is XXXX. I have leave my home soon.
Thanks for the letter.
Sincerely, XXXX XXXX
|
| 07/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Our loan officer has been very hard to work with for us personally and our realtor. She does a terrible job of checking emails so every time we email her, we have to start a new thread otherwise she claims she never received it. She also has asked for the same documents repeatedly saying they are not to her satisfaction. Our employer has also complained about how many times they have been contacted to verify the same information. We had an issue with an inspection and the seller agreed to pay the contractor directly to fix the problem and said they could issue the check at close. Our realtor checked with our loan officer and she said that was acceptable. On closing day, two weeks later, she comes back and tells us we can not have a credit issued at close since they did not order the inspection. The inspection was a part of our purchase contract, as was the seller agreeing to fix the issue. It has been an overall headache and i feel like this loan officer and her underwriting team have made it even more difficult. They lack communication amongst themselves and with their clients.
|
| 07/13/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My loan was transferred to caliber loan company in XX/2015 at the point I was behind on my mortgage. I was offered a modification and the only option given was an interest only modification for 5 years I sign the documents under duress because I feared being homeless with my XXXX children. the company increases my interest from 3.75 % to 4.625 % for 5 years with all amounts going to interest and escrow my loans has been converted from fha to a conventional loan with a balloon payment of over 30k due before the end of my mortgage ends. I have reached out asking why was this options offered to me and I have been told that it was the only option the investors felt makes sense and to also look at this agreement as a payday loan. Unfortunately I now owe more than my original mortgage and the amount has not decreased even though I have made payments for the last two years after 5 years my payments will go back to the original amount and I will still not be able to afford it and fear going back into Forclosure. I believe I have been taken advantage of by this company, hopeless in ny.
|
| 08/15/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
XX/XX/XXXX we refinanced our house and our Mortage with caliber home loans was paid off. We have since sold our home and were scheduled to close this past week, A few days before closing it was discovered caliber never released it. We now can not close since this loan still shows open of record. We are in jeopardy of losing these buyers. In addition we are scheduled to close on our new home XX/XX/XXXX but will have to cancel until we receive this document.
Myself, and our new title company have both reached out to caliber and they are very unwilling to help us. We even sent them a XXXX label and envelope to send it back to us. All they will do is give us an email address XXXX and say they will get to us in the order of their requests. They will not let us speak to anyone in the department only provide that email. However, the people we have spoken to all verify to us the loan was paid off XX/XX/XXXX so I dont know why they just can not send this release immediately. Its been almost 8 months and we are now at risk to lose the sale of my house and the purchase of our new home.
|
| 02/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
We have done four loans thru Caliber homes loans, the experience up until this point has met my expectations. We have paid three of he four loans off. Unfortunately, my home suffered significant water damage in early XXXX. One would think that the insurance company would be difficult party when trying to repair your home however, caliber home loans has proven to be the nuisance. My insurance company worked swiftly in identifying the problems and providing a payment for repairs. Caliber has taken over two months to release the payments and I have had to pay a significant amount of money out of pocket while waiting for caliber. While caliber may do an acceptable jobs underwriting a loan there customer service has completely failed me and my family. We have perfect credit and have never missed or made a payment late in 30 years. Because we have paid so much out of pocket to try and fix our house we are struggling to make our mortgage payment. Caliber should not be allowed to write mortgages if they can not provide adequate customer service. They are clearly acting in bad faith.
|
| 08/23/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I was on a trial modification & my final payment was never applied, I immediately contacted the Servicer ( email attached ) who told me that it was too late & my trail was cancelled. They believed I sent the payment to the regular payment address. I have a witness who mailed the payment at work & can confirm it was mailed to the address previously used. I filed a complaint w the CFPB & submitted an appeal w the servicer. I received no response for the appeal & was told that they were still working on the cfpb complaint. However I have a sale date in a few days, so I requested that it be placed on hold pending the result of my complaint & appeal. This was denied. I was advised to submit a new complete assistance package, at least 5 days prior to the sale, which I did via email. When I called to follow up, I was told that it has not yet been uploaded & it may take 3-5 days. This seems unfair, that if I sent it in prior to the 5 day deadline, the servicer will take so long to upload, possibly after the sale date or without enough time to be reviewed. Previous complaint # XXXX
|
| 06/09/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
My husband and I refinanced our loan with Caliber Home Loans Inc and our transaction recorded on XX/XX/XXXX. The escrow company overpaid {$3700.00} to Caliber Home Loans Inc. The funds were sent via wire transfer. I contacted Caliber Home Loans Inc. on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Caliber Home Loans Inc stated on XX/XX/XXXX they didn't receive the wire in the amount of {$3700.00}. On XX/XX/XXXX and XX/XX/XXXX, I provided them with a screenshot of the outgoing wire confirmation that I obtained from the escrow company. As of yet, Caliber Home Loans Inc. hasn't responded to my emails dated XX/XX/XXXX and XX/XX/XXXX.
On a side note, the escrow company also wired {$740000.00} on XX/XX/XXXX and Caliber Home Loans Inc. received that payment based on my online account. The reason why the escrow company overpaid {$3700.00} to Caliber Home Loans Inc is because I was only allowed to get a {$500.00} refund at the close of escrow. The reason why there was an excess of funds is because I made my XX/XX/XXXX mortgage payment before escrow closed which caused the excess funds.
|
| 02/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Just need a 1098 in order to file my income tax return.
Caliber does NOT provide the doc through their online access.
Despite the phone service rep ( XXXX ) offering to email me the firm, I could not access the document that required a separate sign in. Instead of being patient, XXXX attempted to rush me off the phone at least 4-5 times by saying " I'm going to leave you to it ; '' in spite of my insistence that the sign-in was not working. After at least 3 repeated attempts to reset a password that I was able to sign into my account for, the password reset for the secure message still would not work.
XXXX offered to mail me the form ; despite not having the correct address. After providing her an updated address, I asked to speak to a supervisor. XXXX stated that a supervisor was not available.
I had to hang up with her. Call back to get a new rep ( XXXX ) ; and request an " escalation. '' This is my 2nd CFPB complaint against this company. They should be put out of business. They exist to foreclose on customers, not to properly and professionally service loans.
|
| 08/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/XXXX I filed for Chapter XXXX Bankruptcy. Included in bankruptcy was my mortgage from XXXX XXXX XXXX During the bankruptcy proceedings I offered to reaffirm my mortgage with XXXX . However the courts never approved the reaffirmation so the mortgage was never reaffirmed. Caliber Home Loans purchased the account from XXXX after bankruptcy was filed. Caliber claims loan was reaffirmed, it was not. Caliber keeps showing on my credit report that home was " foreclosure '' and " Derogatory '' and " Reaffirmed ''. Mortgage was given back to creditor through Chapter XXXX Bankruptcy. I have contacted Caliber on several occasions and have sent several certified mailings challenging their purposely wrong reporting to credit bureaus. Caliber said they don't have to prove anything and refuses to properly report. Now I just received an alert from my credit monitoring company that Caliber Home Loans, on XX/XX/XXXX, filed a court action against me as a brand new bankruptcy with them. They reported that fraudulently incorrect information on purpose to mess up my credit further.
|
| 11/30/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage loan with Caliber was transferred on XX/XX/22 to XXXX ( XXXX XXXX ) with only XXXX weeks notice. I am currently receiving assistance with 18 months of forward payments from the XXXX program which they are aware of. Furthermore, I do believe this is the reason behind being transferred to their affiliate company. However, I did reach out to XXXX and advised them of the transfer and provided them the letter received. My loan # XXXX remained the same. My payments are supposed to be trans to XXXX for up to 60 days received to Caliber. The payment from XXXX for XX/XX/22 has yet to be sent to XXXX causing me to fall delinquent. I am very concerned as this is ultimately in my opinion the reason they transferred the mortgage., to cause more issues. I have heard XXXX is their affiliate company who handles delinquent mortgages. XXXX payment was sent out on XX/XX/22 and has yet to be posted or trans from Caliber and XXXX payment will be sent out on XX/XX/22. No explanation from XXXX as to why or where. No information pertaining to HAF assistance was related to XXXX.
|
| 10/30/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
My home was damaged by a massive tornado and hail in XXXX. I have been very sick and out of work since XX/XX/XXXX. I used my mortgage payments to pay for removal of massive trees that were uprooted and thrown on my home due to safety concerns along with repairs to deck railings. The insurance company sent funds to mortgage company and mortgage company will not pay my arrearages nor will they return my funds to me to pay them. They keep giving me different stories and holding my funds. There are still Thousands of dollars in repairs to be done, but contractors will not even come out for estimates now because they know they will not get paid and they cant afford to wait 6 months for their money either. This is fraud on part of the mortgage and insurance company.
Caliber loss draft department XXXX XXXX XXXX XXXX, oh. XXXX XXXX The insurance company also sent another check that I refuse to endorse, because my ex husband is no longer on the deed. They already put a stop payment on it. {$1700.00}. They want we to send it back to them?????
XXXX XXXX XXXX XXXX XXXX XXXX
|
| 09/22/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Please see the attached letter and receipts to explain in better detail the facts of the case.
Caliber Homes charged us {$10000.00} in order to keep our home from being foreclosed, yet we had made the payments ( receipts are attached ). XX/XX/XXXX I mistakenly paid {$87.00} short for a total of 3 months for a total of {$260.00}, yet I was forced to pay {$1900.00} in order to keep our home from going to foreclosure. I did receive one response from Caliber after submitting one complaint with you, they state that I was behind XX/XX/XXXX and therefore needed to pay {$10000.00} to keep my home ( see receipts & statements that I have ). There were many discrepancies at the time for the amount we owed, and that has not been explained ; different amounts are {$17000.00}, {$8600.00}, {$8500.00}, {$8100.00} depending on who you talk to or what correspondence you receive and they have not been addressed. Please address concerns and apply additional monies that I am sure I have paid towards my loan to the principal balance.
Thanks in advance for your help with this matter.
|
| 01/29/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Older American |
|
The name of the current holder of mortgage is Caliber Home Loans INC., number of contact XXXX XXXX and XXXX XXXX. is their representative as attorney number of contact XXXX XXXX. I simply put in for a request of payoff and it was to be sent to fax number XXXX XXXX attending XXXX XXXX XXXX. located in XXXX Massachusetts close to 4 weeks ago.
My name is XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, Massachusetts XXXX. I am a current tax payer of XXXX years of age. I am simply looking for a payoff amount but they both have refused to provide me with one for up to four weeks, I have discussed this with many of their employees and they have strung me along and lied outright stating it was sent we have it but cant issue it to you and then others are stating that it was not sent over yet, Sent but will take 24 hours by fax. I have a number of credible witnesses that can give sworn statements as I have discussed these matters over a speaker phone line. Even had a conversation with Attorney XXXX on the line with XXXX XXXX. but all empty promises of completion. What can I do???
|
| 09/28/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I sent request for information, about discrepancies in XXXX, fees charged with lender placed insurance, and lies submitted to the State Attorney General of Alabama in relation to lender placed insurance, to Caliber Home Loan, and their lawyer XXXX and XXXX. I did not receive an acknowledgment of receipt as required by RESPA, furthermore they failed to respond within the required 30 days. I am attaching in .pdf format, A ) original request, B ) notice of 5 day RESPA violation, asking for explanation, C ) notice of 30 day failure to respond, in which, I ask for information requested be sent, without delay.
I know for a fact Caliber received notice 's because they uploaded the original request in documentation as part of a response in complaint # XXXX to the CFPB, on XXXX/XXXX/16.
Caliber Home Loans, continued arrogance, and blatant violation of rules, set forth by agencies of the US government are disturbing, troublesome, they should IMMEDIATELY, brought to the attention of regulators, and appropriate action should be taken, at once.
.pdf # XXXX # XXXX # XXXX
|
| 06/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
I requested PMI removal in XX/XX/2022. Paid {$150.00} for the BPO Inspection. I was told that before Caliber would schedule a BPO I would first need to provide Improvements ( if any ) dates and values ( dollar amounts ) of each. I have been in my home for almost 3 years. I have made literally thousands of dollars in improvements over that 3 year period. It would take me hours upon hours to go thru my files, bank records, charge accounts to develop this information. On the other hand, if I submit my request stating I made no improvements, Caliber is telling me that my request would be automatically denied. They also state that this policy directive comes straight from their investors. I purchased at {$220000.00}. The value of my home ( without any known improvements ) per the current market is {$340000.00}. {$220000.00} x XXXX % = XXXX. I should be able to have PMI removed at this value. Even if my home appraised for a lot less, PMI would still be removed. I feel that Caliber is extorting funds and manipulating their rules in order to receive the extra monies.
|
| 11/24/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have/had a loan with Caliber Home Loans. Earlier this year, I want to say XXXX, I pursued with the help the the state of Massachusetts Attorney General 's office a modification which was finalized and signed. I send my payments to XXXX each month via tracked mail and have been doing so for over a year. Caliber received my check on XX/XX/XXXX and did not cash it like they normally do. I called and asked about it on XX/XX/XXXX and was told that my servicing would now be handled by XXXX XXXX, that they had sold my loan. This was 19 days ago, and I still have not received paperwork from either servicer regarding my mortgage loan. It is my understanding that I should have gotten paperwork of some sort at least 15 days before my payment was due, which is the XXXX. I have no address to send it to, no new loan number which is necessary since nobody seems to want to send statements. I have already had to fight foreclosure threats from Caliber and had to call in the Attorney General in order to do so because they kept finding reasons to bounce modification requests.
|
| 12/06/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I was approved for Florida XXXX ( homeowners assistance fund ) for mortgage assistance on XX/XX/22. XXXX sent a past due check in the amount of {$5300.00} the week of XX/XX/22 to caliber. Then, they sent out a check on XX/XX/22 for XXXX 's payment in the amount of {$1300.00} for my regular monthly mortgage. They sent a 3rd check for XXXX on XX/XX/22 in another amount of {$1300.00}. I have tried to contact Caliber numerous times and in a multitude of ways. I have tried calling ( told that they see no payments ), I have tried emailing the single point of contact along with my documented award letters from XXXX ( no response to over 4 emails ), and I have previously filed a complaint with CFPB to which Caliber told me it will take about 40 days to process due to how XXXX sent funds. It has been well over 40 days - it's actually over 60 now. Caliber will not return my emails or get in contact with me. XXXX confirms that Caliber has received the funds as the checks HAVE been posted. Nothing is posted to my loan and I am still being reported as late on my credit.
|
| 12/12/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I submitted and it was confirmed that all documents requested were received and on XXXX XXXX, 2015. Caliber was supposed to cancel the sheriff 's sale date set for my home on this date, it is now XXXX XXXX, 2015, the Caliber web site states the following about my account : " At this time, all necessary documents to complete the review of your request have been received by Caliber Home Loans , Inc . The review will take up to 30 days to be completed and a decision provided to you. '' Again, it is now XXXX XXXX, 2015 and will be XXXX XXXX, 2015 on Monday. Caliber has not cancelled the sheriff 's sales as required by Minnesota law. My HUD agency and housing specialist at XXXX XXXX XXXX, XXXX XXXX called Caliber to inform them that Minnesota law requires their cancellation of the Sheriff 's sale once a modification review begins and all documents are received. XXXX also called Caliber 's law firm : XXXX, XXXX, and XXXX at XXXX to inform them that Caliber is breaking the law by not cancelling the sale once all mod documents are received and a review is underway.
|
| 01/22/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
In XX/XX/XXXX, my husband was determined at XXXX XXXX XXXX XXXX XXXX XXXX effective XX/XX/XXXX. We submitted required documents to our County tax office and were determined to qualify for 100 % personal and real estate property tax relief. All documentation was submitted to Caliber Mortgage company in XXXX, and then again in XXXX after it was reportedly no received. Finally after no relief, we requested a current escrow analysis, ( the open ticket request for resolve had been closed ). We received a XX/XX/XXXX escrow analysis still purporting that we have a responsibility to our local county taxes, when in fact we do not. We continue to pay in excess of what our mortgage amount should be each month, and for several months now, Caliber has refused to correct the accounting. Caliber was provided this information originally on XX/XX/XXXX, again on XX/XX/XXXX, a formal request for escrow analysis was ticketed on XX/XX/XXXX XXXX another ticket was created on XX/XX/XXXX requesting resolve. An email was sent to area managers, requesting resolve on XX/XX/XXXX.
|
| 10/10/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
We have recently applied for a Home Equity Loan and as part of the closing process the Home Equity Loan underwriting team is requesting our existing mortgage company, Caliber Home Loans, to provide them with a written response to be able to close in second/inferior position to existing lien holder which is stated as a required process in our current mortgage agreement with Caliber Home Loans.
We have been in contact with Caliber Home Loans since XX/XX/2022 without any response from them. We have contacted Caliber Home Loans ' customer service phone number, emailed XXXX, and contacted them via their messaging portal we have access to as part of our mortgage and as of today, XX/XX/2022, not only have we not received any response, we also have not been provided with a ticket number or an ETA when they would respond. This is a deadline driven process which normally mortgage companies respond to within 24-48 hours the most. We are simply requesting Caliber Home Loans to respond so we can proceed closing on our Home Equity Loan which is set to expire soon.
|
| 06/03/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I called Caliber Home Loans on XX/XX/XXXX about the payments that was made for the month of XX/XX/XXXX. I attempted to make my mortgage payment to Caliber Home loans on XX/XX/XXXX and on XX/XX/XXXX for XXXX 's payment. I've been with Caliber Home Loans for the last 5 years and make payments the same way each time. My payment accounts are saved in Caliber 's payment portal and when I login, I choose which account to draw the money from. Both times, Caliber kicked my payments out and charged me {$15.00} each time for making payments. The rep XXXX, Employee ID XXXX, stated the banking information is wrong in the system and insisted I double check the banking information. I explained to XXXX that the banking information in Caliber 's system hasn't changed since I've been with Caliber and requested him look into this. After 30 mins on hold, he stated there is nothing he can do for me and the fees will be charged because the banking information is wrong. Caliber Home Loans is wrong in lying about my banking information being wrong and charging me those fees.
|
| 01/17/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
My loan originated on XX/XX/XXXX, with a principal balance of {$310000.00}. The original lender was XXXX XXXX XXXX XXXX XXXX. My loan was later bought by XXXX XXXX. There is no evidence XXXX assigned the note and deed of trust to XXXX XXXX XXXX, XXXX, as Trustee for XXXX Master Participation Trust ( XXXX XXXX XXXX ) on XX/XX/XXXX. There is no pooling and servicing agreement. Caliber Home Loans, Inc. ( Caliber ) began servicing your loan on behalf of XXXX XXXX XXXX on XX/XX/XXXX. The Note, as modified by the XX/XX/XXXX loan modification agreement, and Deed of Trust are no longer in full effect since the original note was canceled. They can't have two notes open. There is automatic stay in place when my wife XXXX XXXX XXXX, filed for Chapter XXXX bankruptcy on XX/XX/XXXX. There was a sale scheduled for XX/XX/XXXX, but as Mrs. XXXX filed for bankruptcy protection on XX/XX/XXXX, foreclosure proceedings are currently on hold. The 36-month payment history is all wrong as my pre-petition and post-petition payments have not been credited correctly to my loan.
|
| 10/12/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I worked with XXXX County Courts to save my home from foreclosure, last year we came to an 5 year agreement, we had XXXX trial payments, then we started a 5 year modification, starting XXXX/XXXX/2015. During the proceedings the mortgage company was made aware of past due taxes still owed on our property, we received a notice of a sale for the taxes back on XXXX/XXXX/2015. The mortgage company paid the taxes due, this year they sent me a notice increasing the amount owed each month by {$500.00} per month, which is for past due and 2 years future payments. I am in a modification and can not handle the extra amount. When I notified the mortgage company, I was advised to file a modification, which I can not because it will cause the court order to be voided. We are paying our mortgage bill monthly and can pay the current escrow amount, but the past due as well as 2 years future payment as a loan payment is something they are aware that we can not afford. My current finances have not changed much, should they do I have no problem sending them extra money.
|
| 05/19/2017 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Collection Agency : Caliber Home Loan , Inc. After doing my research back in XX/XX/XXXX when the modification of my loan was approved, I had a 2nd mortgage with XXXX and it was settled with original lender of the 1st mortgage, right before XXXX filed for bankruptcy. I received a XXXX back in XX/XX/XXXX which I filed with my XX/XX/XXXX tax returned and I was under the impression that a Satisfaction of Mortgage will follow sometime at a later date. Being in the military, I was kept very busy XXXX four times without the time to follow up on this matter until now. I need your help in providing me with information on how to clear this up and settle this once in for all. I tried contact the collections agency several times and sent them an e-mail ( Caliber Home Loan, Inc. ). They have provided very little information and I am very frustrated on what I should do at this point to obtain a Satisfaction on Mortgage? Thank you in advance and I will appreciate your help in this matter. Lender : Caliber Home Loan, Inc. Borrower : XXXX XXXX Loan No. : XXXX XXXX
|
| 09/22/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
We asked, and presumably, received a pandemic forbearance XX/XX/2020. We paid principle and escrow, yet the lender, Caliber Home Loans would not send us performance information. Such what was applying to the loan and what we needed to do. In XXXX, we asked how we needed to catch-up, and received no reply. We lost about {$10000.00} of income because the COVID 19. We began to make larger payments then received an offer for a loan to cover the arrears. This loan, by the way, was a similar amount to excessive escrow we'd accumulated with our previous lender. Escrow we've asked about since it was part of a Lender Credit in the new loan. Now, the lender Caliber Home Loans has placed us in collections. We've called, forty minutes one day, twenty-five another on hold telling us of unusual wait times. Now we can not access our account saying we can NO longer make payment over the phone, etc. Our bank records show all the money we've sent has been cashed, etc. A payment of {$800.00} was recently sent and may not have reached their remote processing center.
|
| 08/18/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Hello my name is XXXX XXXX, due to a hardship, I couldnt work and fell behind on my mortgage. I started a modification with XXXX XXXX XXXX, and submitted all my paperwork, however Caliber Home Loans bought the loan. XXXX assured me that the modification would be transferred to Caliber Homes, and I would not have to submit ADDITIONAL/NEW paper work for the modification to Caliber Homes Loans. Unfortunately, I was mislead, because Caliber Homes Loans did not have any of my modification paperwork. I recently attempted to submit my modification paperwork to Caliber Homes Loans, but they wont accept it, because there is now a foreclosure sale date on XXXX XXXX, 2015. This is very unfair, because I was promised by XXXX that my paperwork was submitted to Caliber Homes Loans, but again it wasnt, and when I tried to submit it modfication paperwork, but they wo n't accept it, which means I will be homeless. I am single mother, and now have income for a modification loan, so I am beggin and pleading for the chance for a modification, so I wont be homeless.
|
| 09/26/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I took out a loan with XXXX in XX/XX/XXXX for {$310000.00}. My loan number was : XXXX. They filed Chapter XXXX bankrupcy in New York in XX/XX/XXXX as purchase XXXX XXXX ( XXXX ). The CFPB accused the servicers, among them XXXX, XXXX XXXX, XXXX, XXXX, and now Caliber of improperly calculated loan balances, misapplied borrower payments, failed to correctly process escrow and insurance payments, and failed to properly investigate and make corrections in response to consumer complaints. They have compounded these failures by illegally foreclosing upon borrowers loans and selling loan servicing rights to servicers without fully disclosing or correcting errors in borrowers loan files. Mine is such a case and I want the CFPB to file a similar case as those already filed by the CFPB v. XXXX XXXX XXXX et al, U.S. District Court for the XXXX District of Fla., Case No. XXXX, and by the Office of the Attorney General et al v. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX for the XXXX District of Fla. , Case No. XXXX, also determing who the correct servicer are.
|
| 02/16/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I got a home loan in XX/XX/2007 with XXXX XXXX this company went bankrupt and my loan was sold to Caliber Home and at some point I applied for a loan Modification and was refused. well the loan was modified and the payment went from {$800.00} to {$460.00} and the loan was rewrote. and then Caliber sold my loan. I have been trying to get a copy of the signed loan modification. I had a fixed 9 % and now it has changed to a 12 %.
This loan has been a Nightmare from the start. I have called every one I know to call.
I have paid on this loan of {$70000.00} for 12 years and now owe XXXX the home is a 16 year old double wide and is not worth what the loan amount is and know one will redo or touch this loan because the loan is a mess I cant afford a attorney so I am trying to do the leg work on my own. Please help me to get the correct documents.
the loan is now owned by XXXX XXXX , XXXX.
when the loan was wrote they are some eras in the loan and I cant get anyone to talk to me.I have never missed a payment and XXXX is now collecting the payment.
|
| 03/18/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I was on XXXX and applied for a loan modification XX/XX/XXXX/XX/XX/XXXX to get the payments of 3 months attached to the back of the loan. The company would take 5-7 days to process any documents that were uploaded and then send out a letter taking another XXXX days asking for more documentations. I called several times asking for a list of everything they needed so that I could get it all done at once. It is now XX/XX/XXXX and the company is still asking for more documents. on XXXX/XXXX/XXXX Caliber stated the last thing Underwriting needed was an updated XXXX which was completed and uploaded on XXXX/XXXX/XXXX because it took them until XXXX/XXXX/XXXX to process it Caliber is now needing more documents and an application because as of XXXX/XXXX/XXXX the file was 90 past initial start. I have documents of over XXXX pages of uploaded documents they have asked for. I was also approved for XXXX california but because of my past due amount Caliber refused to approve keep your home california which would have given us assistance for up to 18 months.
|
| 07/04/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I was lead here to file a complaint against Caliber home loans. I was approved for {$45000.00} to assist during the pandemic for the XXXXXXXX XXXX Caliber agent advised me to do a loan modification so that I wouldnt loose my property. They said that even though I was approved for XXXX that all checks were back logged. They stated that even if my account becomes current that they would still apply the {$45000.00} to the principal and that they would not send the check back. Well turns out they lied to me. The check was received in XXXXXXXX XXXX XXXX and XXXX sent it back. They told me I would have to contact the state in order for them to change the instructions in the letter to specifically read, Funds must be applied to principal due to our account being current after the loan modification. You can only get approval once in your lifetime. We were approved but XXXX is refusing to help us during a time we need it most. They refused to give us the necessary number to the state in order to request the letter be changed. I need your help please.
|
| 01/31/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Our loan was disbursed to Caliber Home Loans on XXXX XXXX, closing out our service with the company, as we had refinanced with another company. We were expected to receive {$1500.00} left in our escrow 20 business days after the disbursement from the servicer, Caliber Home Loans. This should have been in late XXXX. A month later on XXXX XXXX, we received documentation asserting the loan was paid. We called Caliber Home Loans on XXXX XXXX to notify them that we had not received the balance left in our account. Caliber, assured us that the original check had been sent through the mail. To solve the issue, Caliber put a void notice on the original check and assured us that a second check would be sent in the mail. On XX/XX/XXXX, we sent them a Notice of Error letter, appropriately detailing the lack of disbursement on the escrow. It has been 2 weeks and we not received any type of response for the Notice of Error. I am enclosing the appropriate documents related to the Notice of Error and proof of payment as well as the amounts left in escrow.
|
| 11/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
CLASSIC BAIT AND SWITCH BY CALIBER HOME LOANS, XXXX, TX.
XXXX - THE BAIT : Completed mortgage application with Caliber Home Loans located in XXXX, TX ( XXXX XXXX, XXXX ). Agreed loan terms ( see attached ) are the following : -Loan amount : $ XXXX XXXXInterest rate : 2.875 % -Closing costs : $ XXXX XXXX - THE SUNKEN INVESTMENT IN TIME AND MONEY : Appraisal ( {$800.00} ) completed. Property valued at XXXX. No changes to credit. Little to no contact with Caliber Homes Loans. Attempted to contact Caliber Home Loan consultants at XXXX, TX office on multiple occasions ( XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX ). They are screening phone calls.
XXXX - THE SWITCH : Received new loan terms ( see attached ) : -Loan amount : $ XXXX XXXXInterest rate : 2.90 % -Closing costs : $ XXXX In 3 months, the price of the loan increased by 2X without reason. No changes to credit, no new loan, no changes in loan product. No financial changes in circumstances. Just plain greed and unscrupulous individuals at Caliber Home Loans.
|
| 03/28/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Hello. Due to the coronavirus pandemic, my fiance lost his job on XX/XX/2020. We have a mortgage together with Caliber Home Loans. We called to find out whether we can defer at least a payment or two and were told that the only program they have available is forbearance. We can forbear our payments for up to three months, but at the end of that period, all payments " missed '' would be immediately due. How is that supposed to help anyone at this time????? I just looked on their XXXX page and that is the same complaint everyone is having. I provided other consumers with the link to this complaint page and was removed from the Caliber Home Loan page.
In addition, we had work done due to a mold issue, and they had to co-sign on the check provided to us by the insurance company to give to the construction workers. We have never been late, ever, on our mortgage, and nothing is due to them at this time ( until XX/XX/XXXX for next mortgage payment ) yet according to what I just saw online today, they are only signing off on half of the funds.
|
| 05/01/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/XXXX, I requested to have my taxes and insurance removed from my escrow account with Caliber Home Loans. I received a response that my loan-to-value ratio is above 90 % ( for California ) This is a impossibility. I purchased my home in XXXX for the appraised value of {$400000.00}, after a {$20000.00} downpayment my original loan was totaled at {$370000.00}. My current principal is {$360000.00}. In order for my home to be higher than the 90 % ratio, my home would only be valued at {$400000.00}. Implying that in 3 years my homes value only increased {$1800.00}.
Their own loan officer appraised my home value at {$430000.00} in XX/XX/XXXX while I was seeking out information to possibly refinance and my country tax accessor values the home at {$450000.00}.
I presented this information to Caliber and re-requested the removal of taxes and insurance, in XX/XX/XXXX and I was yet again denied. Stating once again that I was above 90 %.
I have ran out of options, and I feel that the mortgage company is stonewalling me on this matter.
|
| 10/27/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/XXXX I made my first mortgage payment to Caliber Home Loans, which included an additional principal payment of {$420.00}, which was credited to my account. The unpaid principal balance following this payment was {$650000.00}.
On XX/XX/XXXX, the loan was set up with XXXX after having been sold to them by Caliber.
On XX/XX/XXXX, XXXX created a statement showing an unpaid principal balance of {$650000.00}, which is approximately {$420.00} less than the closing balance with Caliber. This is essentially the amount of the additional principal payment.
On XX/XX/XXXX, I contacted XXXX and was advised the balance number they received from Caliber was {$650000.00} and that I should contact Caliber.
On XX/XX/XXXX, I contacted Caliber and was advised they were unaware that XXXX even had the account! I was advised that the transfer would not actually take place until XX/XX/XXXX.
I have since attempted to follow up with Caliber for additional information/clarification/assurances via fax and social media, but have received no response.
|
| 03/06/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XX/XX/XXXX I took out a loan with XXXX XXXX dba XXXX for $ XXXX. Since then I have made all my payments on time that have not been sent to the Investor/Beneficiary XXXX, XXXX, XXXX XXXX, TRUSTEE, XXXX TRUST according to them. Recent cases have stated that the Trustee XXXX XXXX must inform me in detail of all payments made since XX/XX/XXXX to my loan, including those from XXXX XXXX XXXX XXXX XXXX. They has been misapplying my average payment for {$2000.00} usd per month and not posting the correct amount to Principal which leads me to believe this is all fraud on the Bankruptcy court. Sometimes they post {$540.00} to Principal and sometimes {$460.00} which is absurd. Also the charge me fees and costs which I know nothing about. I went through a divorce in XX/XX/XXXX and filed for Federal Bankruptcy Protection in XX/XX/XXXX and have made all my post petition payments as agreed since then, but they have posted them to my pre-petition payments which are being made directly by the Trustee. I request that the CFPB audit this loan asap.
|
| 08/03/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have a mortgage with Caliber Home Loan. I have an automatic recurring payment set up so my payments are automatically made XXXX of every month. This XX/XX/XXXX, I changed my recurring payment to twice a month because my salary is paid twice a month. Since interests are calculated with daily accrual, I thought it would save some money. However, Caliber held on to the payment that was made on XX/XX/XXXX and applied the payment with the next payment on the XXXX of the following month. I was surprised by that and I thought that was an inefficient use of cash. So in XX/XX/XXXX, I changed the automatic payment back to once a month expecting it would either make a payment on XX/XX/XXXX or make two payments in XX/XX/XXXX and start making one payments per month from XX/XX/XXXX. However, it skipped XX/XX/XXXX 's payment entirely and made one payment in XX/XX/XXXX. As a result, I was charged with a late fee and potentially I will see a delinquency on my credit report. This is insane. I paid the delinquent amount back immediately on XX/XX/XXXX.
|
| 02/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
House inherited to me by my father. House payments too big for me to pay. Requested loan modification in XX/XX/XXXX. Loan modification trial started for 3 months ( XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX for XXXX. Documents sent me in XX/XX/XXXX requiring my signature and one of the papers required notary public emblem. Required papers was sent before XX/XX/XXXX. which was the deadline. Mortgage company stated they had received all of my 3 trial payments but did not received any of the documents that I was required to signed and returned to them, so they dropped me. They made 2 more Loan modifications, but they were over {$900.00}. I could not afford to pay I sent them a letter of appeal request them to reduce the amount to {$450.00} -- which was due before XX/XX/XXXX. -- received letter from them 30 days later informing me they have rejected my request for a reduced loan modification. Loan company and then proceeded to place my home on foreclosure.. I did not retain copies of the required documents nor due I have the tracking number.
|
| 08/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Appraisal Transfer Refusal. I have been refused a refinance application and the company involved will not forward the appraisal documents for my home to my new lender XXXX XXXX XXXX. This request has been ongoing since XX/XX/2020. The appraisal was paid for by myself.
It appears there is 1 individual working for 2 mortgage companies. I applied to Caliber Home Loans after they offered better terms than XXXX XXXX.
The person who ended up servicing my application : XXXX XXXX 's ( XXXX ) XXXX Direct Line Email Addresses : XXXX XXXX I ended up receiving a refusal from XXXX XXXX although I did not follow through with my application as well as from Caliber Home Loans. Mr. XXXX started using his XXXX XXXX email 3/4 into the process.
My new lender is unable to move forward until the appraisal has been received by XXXX XXXX. We are 2 months into requests and XXXX are not receiving any reply although I signed a document giving my permission to give the appraisal to my new lender. I obviously do not want to pay for another appraisal.
|
| 10/26/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XXXX of XXXX, I received a notice that I had paid my mortgage short for the XXXX XXXX statement. I sent in the remainder of the payment amount and upped my mortgage payments to cover the new higher amount.
Today, while speaking to customer care about an amount due, I found out that my mortgage amount had actually gone up in XX/XX/XXXX ( XXXX XXXX statement ) and no one had told me. Speaking to customer care it became apparent that they were not sending me my e-statements or notices of said statements. They also did not send me my escrow analysis.
The customer service agent was unable to find the statement I had paid short or explain why they were charging me an additional overage. They would not transfer me to a supervisor to discuss the issue. My statements prior to XX/XX/XXXX were unavailable online. Checking my email history ( including trash and spam ) I was only able to find one notice that they had ever sent regarding an e-statement online. Checking their electronic statement option, it did not have a disclosure that
|
| 02/09/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I purchased an FHA loan through Caliber Home Loans which comes with Mortgage Insurance ( PMI ). With PMI I know you are able to get rid of it after you pay down a certain amount. Typically when 20 % of the original principal is paid off or when 80 % principal remains. I called XXXX to find out how I can remove my PMI and they repeatedly told me that the PMI can not be removed and is for the life of the loan. I spoke first with XXXX who stated that they call it MIP but it is the same thing. I was then transferred to his supervisor XXXX ( employee # XXXX ) who stated the same thing. My PMI can not be removed and is for the life of the loan. I asked her to send me a document from their company stating that the PMI can not be removed and she would not, informing me that nobody in the company can email or mail documents to a client. She then asked her area vice president XXXX and he apparently confirmed that again, XXXX will not remove PMI regardless of how much of the loan is paid off and that it will remain for the life of the loan.
|
| 05/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/XXXX a company employee was attempting to fix an issue that had been outstanding for six months. While she was ultimately successful in resolving that issue, another issue was created. In the fall of XXXX money intended for the escrow account was paid toward the principal. When they were finally able to refund us the money, whatever they did internally showed our XX/XX/XXXX payment as late even though they show it was received on XX/XX/XXXX. So, even though that has not been reported to a credit bureau, someone reviewing the file in the future may think we made a late payment when in fact Caliber only applied it late. We want our file to reflect that not only was the XX/XX/XXXX made on XX/XX/XXXX, but that it was applied to our account on time.
What Caliber has done is report an increase in our balance to the the credit bureaus. So, they erroneously applied an escrow payment to our principal, then we they return it to us report that our loan balance has gone up! My credit score dropped 14 points due to this reporting.
|
| 11/28/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
This property is a part of an Estate, the homeowner passed away and with all of the confusion she did not or they could not find a Last Will and Testament.
They had to go to Surrogate 's Court and they did. the property in question now that has a sale date for XX/XX/2018 @ XXXX XXXX XXXX XXXX , XXXX , New York XXXX never received a Summons or Complaint, Never received a Motion or Judgment or Foreclosure Notice. The only document they received was A Notice of Sale on XX/XX/2018. Caliber has a rule that if you are requesting a Loan Modification it must be submitted 37 days before the sale date?
They were not even given a Thirty Day Notice before a sale. We are asking for help in this situation. We called Caliber Home Loans to request help they refused.
They have not served or notified anyone concerning this property until the XXXX of XX/XX/2018. We contacted the attorney representing Caliber /the investor The XXXX XXXX XXXX XXXX XXXXXXXX as Trustee for XXXX XXXX and they have no information except the sale date. of XX/XX/2018.
|
| 10/22/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Our mortgage was set up on automatic payment. The mortgage company made a mistake on our XX/XX/2016 automatic withdrawal. We received a notice dated XX/XX/2016 that our account was going into pre-foreclosure. We called the moment we received the notice and talked with a mortgage representative and cleared up the issue. We mad a payment over the phone to ensure the account was in good standing. They CONFIRMED on a recorded phone conversation that the issue would NOT be reported to the credit bureau. I learned today that they did in fact report it. I have a payment confirmation # and have requested that they reverse the reporting, yet they said it would take 10 days for their research to be performed. I see not reason or incentive for the mortgage company to admit that they made a mistake as it would be another black mark on their record. We have XXXX mortgages with this company have a 100 % perfect payment history other than this mistake on their end. Any support from CFPB would be greatly appreciated.
Thank you, XXXX XXXX
|
| 12/12/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Back in the begginning of XX/XX/2020 I called my mortgage company Caliber Home Loans advise them that due to the pandemic covid-19 our hours were cut so it made difficult to pay the mortgage, the representative from caliber stated due to my FHA loan I can put my loan on covid-19 pandemic forbearance plan and it wont be reported to credit reporting agency and we dont have to pay until the end of 6 months up you can if not and your still struggling it can extend for another 6 months. But since we on this forbearance for 3 months now I have been getting phone calls, I got a certified letter that I had to go to the post office to sign for and it was from Caliber Home Loans stating I am past due on our mortgage and it is imperative that I make immediate arrangement on my account. I feel threaten by them as though they are not on the same page as the other representative who made the arrangement with me. This is not the first time having issue with them. This needs to be resolved and compensated for what they put us thru stress.
|
| 05/31/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I am a home owner and I make my payment electronically every month without fail. I received an email on XX/XX/XXXX telling me that my lender is adding a {$3.00} fee for this type of payment. And the only way to avoid these payments will be to register for automatic payments from my account, or to pay by check. I have no interest in using automatic payments and think its very inappropriate for my lender to force me to do so. I will have to begin paying by check which is an outdated and slow process that can lead to late fees. Now I will have to write and mail a check BEFORE I get paid to ensure my payment is posted on time.
If I was not paying attention, and many people don't, these fees would add up to more than {$1200.00} over the term of the loan. This kind of revenue stream is predatory in nature and is designed with only the bank in mind and complete disregard for the consumer.
It's unfair and should not be allowed. I hope the CFPB hears from other homeowners and requires Caliber to reverse this policy immediately!
|
| 03/13/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/XXXX we started a loan Modification with XXXX but on XXXX of that year we received a letter that they sold our Mortgage to Caliber Home Loans. Caliber started with the loan modification process and we received a letter that we were approved and we will start paying XXXX beginning XX/XX/XXXX. So we paid that amount until XX/XX/XXXX.
They raised the payment to XXXX on XX/XX/XXXX and XX/XX/XXXX they went back down to XXXX. Our new bill for XX/XX/XXXX is XXXX because they are charging an escrow of XXXX.
Another issue is that our remaining balance of the mortgage is {$23000.00} and has not change at all, I wonder where is the money we paid since XX/XX/XXXX.
What we did not know as well was that we were paying an interest rate of 8.000 %.
We understand that a loan modification interest is no more than 4 % so I really don't understand why we are paying such high interest rate.
we tried to speak with Caliber Customer service regarding this issue and all they say is " we have to investigate '' never a straight answer.
|
| 06/10/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
PLEASE SEE ATTACNEMent fha emails me today and states it was not there decision to decline my loan application that has been in process since XX/XX/XXXX! XXXX the manager has lied and stated this was huds decision when it was NOT, caliber never pulled my credit, caliber does not know my credit score, caliber has not YEt replied nor told me what it is I really need to close out my loan! Caliber sent me a denial letter XX/XX/XXXX stating they denied me to sue to credentials, never probes or said what those are, caliber has had my loan application opened for almost a year! Caliber did not act out of good faith! I have showed caliber court documents to remove the ex boyfriend ordered by a judge and they are not understanding the a judge order is final, what do I have to do really get my lawyer involved & end up in federal court with you caliber home loan, youve failed me as my lender and not one have I defaulted in my mortgage payments! I just wanted to Refinance my house for a lower intrest rate, never asked for a cash out,,
|
| 11/04/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
Older American |
|
On XX/XX/19, two days following the due day for my mortgage, I received a phone call from Caliber Home Loans regarding my mortgage. During this phone call, I was told by the agent that the phone call was being recorded and its purpose was an attempt to collect a debt. I was shocked that I received this notice two days following my due day, particularly in view of the fact for the past eighteen months my mortgage was paid on the XXXX and XXXX of the month I believe that the recent phone I received from Caliber Home Loans regarding my mortgage was inarguably a form of harassment. There was no need for Caliber Home Loans to contact me just a few days after my mortgage was due given the pattern how I have paid my mortgage during the past eighteen months or so. I believe that Caliber Home Loans used the fact that my mortgage was not paid on the XXXX as a form of harassment and intimidation given my ongoing efforts to obtain documents from Caliber Home Loans to corroborate the accuracy and veracity of the settlement statement.
|
| 02/10/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
As XX/XX/XXXX mortage company sent me overage payment from escrow which was about {$4000.00}. I called to ask why and got the run around. After that the payment went up. As of XXXX XXXX i was sent another check of overage about {$150.00}. Did not try to contact mortage company because of the first attempt to at calling.After recieving check the house payment went up for the second time. As of XXXX XXXX I was still sent another overage of {$150.00} and payment will go up in XXXX about from {$1700.00} to {$1700.00}! Last check that was sent i am sending back to escrow to be applied to escrow. As of XXXX. Keep in mind this is a F.H.A. fixed rate loan! I have never had a loan go up like this for a fixed rate loan. convental or f.h.a. loan. Keep in mind the starting loan amount was {$1600.00} and has repeatly went up since the loan was inatiated. There should be no reason or explaination for the loan amount to go up!!! If they can not maintain this loan i will be forced to go into foreclosier because i am on XXXX right now.
|
| 05/07/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I have been working with Caliber Home Loans very closely for months. Every single time I call Caliber I am given different information and then the rep says I am sorry you were misinformed. This is unacceptable. I want the calls reviewed that are recorded for quality assurance. These are not quality calls if the consumer is constantly being told something different. Most recently I was told that I had funds sitting in an unapplied cash account that would be applied to my first payment of my new loan modification once my paperwork was received. In the meantime part of the money was applied to the loan. This is not what the rep I spoke with told me would happen. Why do all of your reps give a different story?
Additionally - everytime Caliber sends out documents they are never received. All other mail is delivered except for Caliber documents. One of you reps even said " we hear that a lot, we dont know what USPS is doing with the documents ''. This is unacceptable from a company that is managing such large assets.
|
| 08/18/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
We started the process for a short sale on the property on XX/XX/XXXX. the servicer ( Caliber home Loans ) ordered an interior value of the property, the interior valuation was completed on XX/XX/XXXX. The interior value came back with a value of {$210000.00} for " AS IS '' price. The investor ( XXXX XXXX ) and the servicer decided to increase the market value to {$280000.00}. We submitted a value dispute based on the interior condition of the property, the major non-cosmetic damages and comparables in the area. We provided enough evidence for the investor to reconsider their market value with accurate and current data as per their guidelines and the investor is denying our request and would not reconsidered the over priced value. this is an unfair practice in the market now days and we believe the Federal Government and authorities should be make aware of these type of situations since this is a total malpractice and are preventing home owners in a default situation a fair shot to start their lives from scratch.
|
| 05/19/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Loan opened in XXXX biweekly payments paid until wife became I'll. We were paid in advance by payroll deductions twice a month. Original loan amount less than {$47000.00}. The loan amount was paid down to less than {$24000.00}. During bankruptcy we paid {$17000.00} those numbers are off. Plus we paid direct from XXXX XXXX over {$10000.00} and then another XXXX after we canceled the bankruptcy so we could sell the house. That's over XXXX and doesn't include the original biweekly payments prior to sickness. They hold money and don't post to increase finance charges, they are being sued via class action lawsuit due to hazmat insurance and they straight up defrauded us. I have a check they sent in the amount of {$440.00} but won't cash it as they considere that business concluded. They show no payments made from Bankruptcy filing to dismiss it so we could sell the house from XXXX, XXXX until XX/XX/XXXX and they were more than paid in full. They were charging the house taxes fraudulent as well. please help. thank you
|
| 07/31/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I signed up with Caliber Home Loans via a mortgage broker in the State of New Hampshire. During the application process I asked both the mortgage broker and Caliber directly if there were any fees associated with making a payment online. They stated that there were no fees to make a one time or regular payment for my mortgage so long as the payment was made on time and not returned.
Today, I attempted to make my normal mortgage payment, and I was notified that I would be charged a {$3.00} fee as of XX/XX/2018 for a single payment online. This is an unfair fee that was not disclosed to me in my original mortgage process. I feel that this fee is absolutely unfair to the consumer, and should not be legal without disclosure in order to protect consumers. What is to stop Caliber Home Loans from increasing this fee substantially? I should not be charged to make a simple payment online, especially after confirming that no fees would be applied with my broker and with Caliber Home Loans prior to engaging in the loan!
|
| 08/20/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
XX/XX/XXXX my mortgage was involuntarily sold to Caliber Home Loans.I find Calibers monthly statements to be confusing, and phone support to be virtually non-existent. XX/XX/XXXX, Caliber made statements on phone that were not reflected on following statements.They finally stopped taking my calls.As a result, I filed a formal complaint with XXXX on XX/XX/XXXX XXXX attached ). After several tries, XXXX got the issues resolved. However, at no time, did Caliber communicate with me, nor offer an apology. A year later, XX/XX/XXXX, basically the same issues happened again XXXX perhaps retaliation ), resulting in a just submitted second complaint to XXXX XXXX attached XXXX.
Unfortunately, the XXXX has also began ignoring my calls, necessitating this complaint to the CFPB. Can you help me with my current complaint, as well as continuing problems with this horrible mortgage company I am stuck with, whose statements are always confusing, sometimes inaccurate, and whose customer service is non-existent and getting worse!
|
| 07/01/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I inherited the house upon my grandmother 's death in XXXX XXXX. At the time of my grandmother 's death I was only working a part time job with XXXX. Whereby, I did n't have the monthly income to keep the account current. Since I began handling the estate of my grandmother, I have had XXXX periods of unemployment which was from XXXX XXXX until XXXX XXXX and again from XXXX XXXX until XXXX XXXX. I now have sufficient employment. whereby, I can now afford the monthly mortgage payment. But, I do not have the money to pay {$9000.00} towards a total past due amount of {$12000.00} in order to start a repayment plan. The servicer is stating that the DTI ratio shows I have the ability to pay the mortgage. But, the servicer is n't taking into account how the mortgage got behind along with my ability to pay towards a large past due mortgage balance. The CFPB Rules state that a client inheriting a home should be able to have the loan modified into their name with reasonable terms which the present offer is n't reasonable.
|
| 05/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Caliber home loans is reporting to the credit bureaus that they have had my mortgage since XX/XX/XXXX and that I was 120 days late on my mortgage in XX/XX/XXXX and prior to XX/XX/XXXX. They have only had my mortgage since XX/XX/XXXX. They bought my mortgage from XXXX XXXX. My mortgage was never late with Caliber Home Loans but in the comments section on the loan it says that I was 120 days late. I have never had a late payment with Caliber Home Loans. I have requested Caliber Home Loans to correct this matter with the credit bureaus. I have also reached out to the credit bureaus to have them correct the information but caliber home loans has been unwilling to correct the matter. I would like for Caliber Home Loans to only report my loan from when they acquired it which was XX/XX/XXXX. XXXX XXXX is reporting my mortgage from XX/XX/XXXX until they sold it in XX/XX/XXXX so there is no need for XXXX XXXX and Caliber Home Loans to report the same data and it is inaccurate for both creditors to report the same data.
|
| 12/09/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
hello, My name is XXXX XXXX. my wife and I have a mortgage with Caliber homes inc. back in XXXX under there advise started a modification with there company and since the our back payment of XXXX has turned into XXXX. partly because they took forever to yield any results. when we started this process it was to see if we could put what we owe to the back end of the loan and start fresh. My wife has a XXXX and because i used up all paid sick days to take care of her and our XXXX children. my Job was understanding about my situation i didnt lose my job but days with paid were only so many days and we went over the amount. there are few months were we were short in the paycheck. so in XXXX we tried to make good her medication was under control and she was back on track which means i was back on track but that was not concerned them since XX/XX/XXXX all we did was increase the bill to the point where its out of control and now we are in forclosure with no sale date. if feel lied to and i was mislead. i want action
|
| 10/09/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
I applied in XX/XX/2018 with Caliber Home Loans for my second mortgage. I paid the 3 payments and sent back the permanent paperwork to them. They never permanently modified my loan, and required for me to reapply, which I did.-I was approved again, and made the three trial payments and once again returned my modification agreement.
I received my second mortgage bill which prompted me to call Caliber Home Loans. I asked WHY I was receiving this bill if I was permanently modified. The answer to my question was that I did not return my first loan modification paperwork.
I never applied for a first loan mortgage modification with Caliber, nor do I need one. I do not think they know what they are doing. I have worked with them previously in the past, and I was NEVER required to modify both loans at the same time.
Unfortunately, it is excuse after excuse with this company. I was now told to call Friday if they are going to accept this modification without REMODIFYING my first mortgage that I never requested.
|
| 03/25/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
i applied for a loan modification with XXXX XXXX under the making home affordable program, in fact my loan was in process for that program until the servicing was change to CALIBER HOME LOANS once they took over every thing change instead of loan modification staying within the Hamp program they took upon themselves to put it into a forbearance agreement and offer me a higher interest rate and payment that is {$1300.00} a month higher then my orginally loan payment, so i rejected it and appeal it because it is not making my loan more affordable this loan modification is designed for me to fail, it is not helping me it`s hurting me i want to keep my home not lose it, XXXX never had a problem with my request for the Hamp program so why is caliber trying to put me in a bad deal, and as of today I got a notice of sale on my home while i am still trying to modify my loan, i have a job and income to pay a mortgage payment again under the HAMP PROGRAM GUIDELINES not a payment that almost doubles what i had before
|
| 09/27/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I had applied for XXXX on XX/XX/2022 due to me losing my employment and had reduction in hours. HAF of Michigan had sent over my application and requested my loan information XX/XX/2022 from Caliber Home Loans. HAF have attempted to call and email my mortgage servicing company ; Caliber Home Loans on multiple occasions. These dates include, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. However, Caliber Home Loans have not returned any emails or calls. I also have attempted to contact Caliber Home Loans on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in which customer service representatives keep implying they never received emails from XXXX. I also attempted to reach out to the main point of contacts for the Michigan HAF program, in which I emailed them on XX/XX/XXXX. The following representatives for XXXX in Michigan with Caliber Home Loans are XXXX XXXX, XXXX XXXX and XXXX XXXX. When I wrote these individuals via email, they have not responded and still have not responded or updated me.
|
| 10/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Caliber Home Loans, Inc is reporting that I have fraud on my credit agencies report and I have not reported any fraud to any agency and have stated this. I did put a freeze on all my credit agencies account to make sure no one could use my credit. I have called Caliber on 4 different occasions since XX/XX/XXXX concerning this matter. I have spoken to customer service and no one has given me any explanation on this matter, my last call was today, XX/XX/2020 and I spoke to a XXXX agency number:XXXX who informed me she needs 72 hours to research this matter.
Caliber has removed their account from all my credit reports causing my credit rating to drop and cause harm by hurting my chances for any type of credit being approved at this time. They have refused to tell me what type of fraud and give any proof of this fraud. They have requested personal information from me that I was told by the original lender XXXX XXXX XXXXXXXX, they received from them and can request directly from them again this information.
|
| 07/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have all my mortgage payments, made, up to date, I have no delays. The mortgage company Caliber Home Loan wants to refinance me for XXXX years. I do not agree because I have complied with the payments, without a day late, since I bought my property. This company changed its online system and had many problems in addition to mishandling customers.
Since XX/XX/2021 I do not have access to the mortgage account, I do not know how much I have paid, I do not know how much I owe, I could not get the loan information to do my taxes, it did not allow me to make the payments on said page ( my account online ). The customer service agents had different information on the same account. Said by themselves, they had a lot of problems with their online page and with customers. Quite a big deal. For now, you want to affect your customers.
Until now, I have made all the corresponding payments and additional payments that have been requested ( because I do not have access to the loan ), however, it has not helped.
|
| 08/31/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
I have a VA loan with Caliber Home Homes based in Texas for my primary home. I received a Uniform Residential Loan Application on XXXX XX/XX/2020 with all of my personal information ( soc security number, date of birth, home address, loan amount, type of loan ) in the mail, signed and asking me to initial and sign for an UNAUTHORIZED refinance I did not consent to. I have received numerous phone calls ( 4 in one day ) from different phone numbers followed by emails XX/XX/2020 on a consistent basis from XXXX XXXX at Caliber home loans ( almost harassing ) in regards to refinancing my VA home loan with Caliber Home Loans. I have not inquired nor given consent for contact about a refinance loan. As a military veteran this is appalling that a company would try to take advantage of consumers, trying to force and obligate them to any unwanted or solicited refinance, products or services. I have contacted the company several times asking them to remove me from outgoing solicitation for refinance, no resolve.
|
| 09/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Hi, This account with Caliber home loans I have had for a while. In XX/XX/XXXX we placed the account on forbearance due to covid which lasted until XX/XX/XXXX.
In XXXX I reached out to Caliber that I would like to get a loan modification which is offered to all covid forbearance clients. At that time the FRM weekly average rates were running between 3 to 3.5 %.
Caliber first they said I do not qualify for Flex modification without giving any reasonable explanation. After bunch of phone calls and speaking to supervisors and sendinge-mail they finally agreed to process my request. However, Instead of processing my request in a timely manner which is a few weeks, it took them almost 6 months to process it.
The issue is that by the time they proceed it rates were already over 5 %. This means that I will have to pay around extra 1.5-2 % ( or 9-12k ) because Caliber did not process my application in a reasonable time frame as required by law, and therfore putting an extre burden on me and family.
|
| 10/16/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I emailed Caliber Home loans on XXXX XXXX asking for a payoff statement as I intend to pay the loan off.
7 days later, they responded, saying that I needed to provide a date that I wanted payoff through and to provide a fax number.
I responded immediately on the XXXX, saying please give me payoff through XXXX XXXX and gave them a fax number to fax it to.
Nothing happened XXXX XXXX, I re-contacted them again via email and asked that the case be escalated to a supervisor as I felt they were deliberately delaying me to continue to collect interest.
XXXX XXXX, I receive an email stating that that they can only send a payoff for 10, 15, 30 days. My prior response on XXXX XXXX with a request for XXXX XXXX payoff would have been 10 days ...
I sent several more emails asking for a payoff without response. Each time I asked that they escalate to a supervisor. They never did.
No response since XXXX XXXX. I filed a complaint yesterday with the Federal Reserve and advised them of the fact. No response.
|
| 07/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
have recently checked my credit report and seen some inquiries I did not authorize : XXXX XXXX XX/XX/2022 ( XXXX ) XXXX XX/XX/2022 ( XXXX ) XXXX XXXX XX/XX/2022 ( XXXX XXXX XXXX XX/XX/2022 XXXX XXXX ) XXXX XXXX XX/XX/2022 ( XXXX ) XXXX XXXXXXXX XXXX XXXXXX/XX/2022 ( XXXX ) XXXX
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX You are in Direct Violation of the The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXXXXXX ) and ( XXXX XXXX XXXX XXXX XXXXXXXX ), has violated my rights. 15 U.S.C 1681 Section 602 A. Clearly states that I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payments and update this account immediately as you in direct violation of several laws under the The Fair Credit Reporting Act. Thank you.
|
| 01/07/2019 |
No |
|
- Struggling to pay mortgage
|
|
Web |
|
|
We fell behind due to Hurricane Irma and received a " Special Forbearance '' and have submitted packages 5 times to resolve this issue each time we are told we have to submit another package which we do. We were told in XX/XX/XXXX all we had to submit was a pay stub from XX/XX/XXXX before Irma and a recent pay stub along with proof that the work on the work had been completed which we did. We had our authorized third party XXXX XXXX XXXX call in XX/XX/XXXX and no one there remembered what we had discussed. So they said it was " the holidays '' and to call back afterwards. We called on XX/XX/XXXX and we were told that they were still looking into the issue and to call back in a couple of days so they could log those pay stubs and info on the home repairs on the system. We called today XXXX and we were told we could fill out a new package if we wanted to avoid foreclosure. This has been going on for over a year now and we don't want to lose our home, but it is apparent this company does not care.
|
| 10/24/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
In XX/XX/2018 we received a letter stating to fill out paperwork to receive 2 months of free mortgage because of the storm. We called the mortgage company Caliber Homes to find out what we neede to do and was this information accurate they said sign the form before the deadline and everything will be fine. By the time XXXX came they started sending letter last stating we were behind on our mortgage. Once we mentioned the letter we received and the person we spoke to they denied this and sent another form that came out saying we can see if we apply for lose of income. The packet was so thick with unnecessary information we did not fill it out. We came up with the money to get us out of debt. Then they told us that our homestead insurance went up. We asked how and what is that. The representative stated they will cover {$20.00} dollars of it and they sent out a letter. They never sent out a letter and began to change our mortgage monthly payments then said to shop around for a cheaper insurance.
|
| 09/11/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
dear sir i did respond with a dispute-this is my XXXX complain on caliber home loan -- i did call to XXXX rep on this loan modification and geting deterrent answer-they asking me again and again to send them paper -- -please ask them to tell me in righting what they wont -- going to send them again-spoke on-XX/XX/2016 to id XXXX-on -XX/XX/2016 to id XXXX -- on XX/XX/2016 to id # XXXX also spoke to id # XXXX -- -also on this date spoke to manager XXXX id # XXXX they wont me to send again to them what i already send them -- -- -- -- -- also have a co helping me with all the paper theta they asking co name XXXX-debit management credit consulting i am sending back to them paper theta thy asking -also sent 2 email on the site caliber home loans -- -- on XX/XX/2016 i did send them all what they need, a-3 party send them all the wont to do a loan modification going to send them again -- can they be specific what they wont -please help-than you, please have them send in righting what they wont XXXX,
|
| 04/27/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Today XX/XX/XXXX, Caliber Home Loans has placed a fraudulent Notice of Trustee Sale on the door of my home. My elderly parents are very upset since this case is presently pending before the Bankruptcy Appellate Panel ( BAP ), therefore any collection activity was in violation of Federal Law. We attach a copy of the Appeal filed on XX/XX/XXXX since all Pre and Post-Petition Bankruptcy payments have been paid since XX/XX/XXXX Also, we have still not received a correct updated history of all payments made on this loan since the year XX/XX/XXXX. Nor have we received a correct XX/XX/XXXX for XX/XX/XXXX& XX/XX/XXXX, and information regarding the different investors including, XXXX, XXXX XXXX XXXX etc. We have two different signed NOTES and would like to know which is the original? None of these issues have been addressed per RESPA, FDCPA, etc. and we would like the CFPB to intervene. From what we understand XXXX XXXX has just been fined $ XXXX for unlawful foreclosures and fraudulent accounts.
|
| 08/17/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
The mortgage company set up an escrow account without my knowledge and without notifying me. In the mean time, I already finalized plans to make the property tax payment for 2016 but it was returned when paid. The mortgage company has added {$3100.00} to my regular monthly payment balance due. The mortgage company has removed my ability to make mortgage payments online altogether. So I am not able to bring my account current and track what is going on ( see print screen attached ). Furthermore, the mortgage company refuses to communicate with me electronically. Any question I ask is responded to with " call them '' ( paraphrase ). This is extremely inconvenient and frustrating. The only reason I can think of for doing this is because they do n't want to put anything in writing. I know from past experience the mortgage company will say when my account is current, my ability to make payments online will be restored. However, I do n't have an extra {$3100.00} sitting around to send them.
|
| 07/03/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I was affected by the recent Federal Government Shutdown that lasted 35 days. I had no income coming in at all, all my expenses have became delinquent. I recently requested mortgage assistance with my mortgage servicer Caliber Home Loans several times for several months to bring my mortgage current and keep my home. I have remitted mortgage payments by XXXX XXXX and my payments were rejected by Caliber Home Mortgage and returned to me. As of XX/XX/2019 I have resubmitted my request for mortgage modification with financials.Received correspondence from foreclosure attorney dated XX/XX/2019 XXXX XXXX XXXX foreclosure attorney stating my property is set for property foreclosure sale XX/XX/2019. The deliver notice for the certified letter XXXX XXXX XXXX was delivered by mail XX/XX/2019 was available for pick up post office XX/XX/2019 I wasn't given a 30 business days notice excluding weekends and holidays as required by Tennessee State Law. Tennessee Code Annotated T. C. A. 35-5-107.
|
| 07/26/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I submitted an application with Caliber Home Loans ( working with XXXX XXXX and XXXX XXXX ), and was locked into a mortgage at 4.625 %. I 'm buying a condo as an investment property, and they failed to even think about checking the percentage of owner occupied units in the condo complex until a week before I was to close.
On Mon. afternoon ( XX/XX/XXXX ) they dropped the absolute bombshell that I could n't be offered the loan at 4.625 % any longer because the percentage of rentals in that complex was too high ( at 61 % ). So, they moved me into another 'program ' they have ... at a whopping 7 3/4 %!
They should have done this research in the very beginning because I can assure you, I would n't have gone forward with their mortgage. But, to completely pull the rug out from under me within a week of closing ( XX/XX/XXXX ) is absolutely unforgivable ... and ought to be criminal if it 's not. They should have to live with the rate they locked me into!
Sincerely, XXXX XXXX ( XXXX )
|
| 12/20/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
XXXX, XXXX and Complaint against Caliber Home Loan , Inc On XX/XX/XXXX Caliber Home Loans TEAM responded to my complaint and said that Servicing of my loan was transferred from XXXX XXXX effective XX/XX/XXXX ; and the servicing from Caliber was transferred to XXXX loan Servicing effective XX/XX/XXXX.
Please provide me the name and direct contact information for an individual employee who prepared and filed with CFPB this respond on XX/XX/XXXX on behalf of Caliber.
Please provide me the name of the Company who transferred servicing of my loan from XXXXXXXX to Caliber on XX/XX/XXXX and its mailing address ; and the name and direct contact information of this Companys responsible employee who authorized this transfer, Please provide me the name of the Company who transferred servicing of my loan from Caliber to XXXX on XX/XX/XXXX and its mailing address ; and the name and the name and direct contact information of this Companys responsible employee who authorized this transfer
|
| 07/14/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I closed on my mortgage loan XX/XX/XXXX. Since that time, home values have increased substantially in my area. My home was also a foreclosure home. I have a large amount of equity in the home due to the fact that it was purchased as a foreclosure and because of the increase in property value. I called Caliber Home Loans to get my PMI removed. I was told that I could not remove the PMI because the loan closed during a time frame that cause me to not be able to remove PMI for ANY reason. I tried to refinance the loan in order to remove the PMI. I was told I could refinance, they took my money for the appraisal fee, and then I was told I could not refinance due to my debt to income ratio. My loan to value ratio is now approx. 61.5 %. My debt level is higher due to medical bills. So now I am stuck with PMI and there is no reason I should be paying this monthly expense. I called yet again today and was told that the PMI will not fall off of my loan for any reason until XX/XX/XXXX.
|
| 09/11/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
1. On XX/XX/XXXX, I signed a note and mortgage with a 30 year term from XXXX XXXX XXXX XXXX ( that was acting as an agent for XXXX ).
2. XXXX intended that this loan be a 7 year balloon, but there was never a contract ( i.e. Note ) to support this.
3. After 7 years of payments, my payment was returned by XXXX XXXX XXXX ( who had acquired servicing rights ).
4. XXXX XXXX XXXX refused to take payments or negotiate another loan, but also refused to initiate foreclosure ( ~2 years ).
5. XXXX acquired servicing rights but failed to make a reasonable offer ( just a crazy trial program ).
6. XXXX filed a foreclosure suit using a blatantly fraudulent note in 2015.
This is the extremely short version. The full story can be found in the court documents that I have posted on the site : XXXX XXXX XXXX The bottom line is that the opposing litigants have committed multiple felonies during the handling of the case. The experience is quite strange since XXXX was very reasonable.
|
| 02/14/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Each attempt to confirm how Caliber Home Loans is posting my monthly payments fails. I have paid all required payments, I have paid added principal, I have paid all late fees, and Caliber Home Loans emailed me a mortgage history that does not account for all of my payments. My monthly payments made via XXXX XXXX XXXX XXXX XXXX cashiers checks have been stolen by the US Post Office, and has been applied, if applied at all to a Caliber Home Loan other than my own. In XX/XX/2019 the US Post office claimed they mailed my cashiers check to the wrong state. XXXX XXXX XXXX XXXX XXXX issued me a replacement check, the lost check was never accounted for. In XX/XX/2019 I mailed a lump sum cashiers check paying three months in advance, I endorsed the back of this Security Plus XXXX XXXX XXXX XXXX check to include my property address. The bank stamped covering over my endorsement. XXXX XXXX XXXX XXXX XXXX accepted this questionable endorsement. Much Much more, will discuss as requested
|
| 04/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
When I invoked Covid forbearance protections in XXXX, my VA loan with Caliber was not delinquent. Instead of continuing to report my mortgage as current for the duration of my forbearance. Caliber did not report my mortgage as current as required by the Cares Act and continued to suppress reporting any status until XX/XX/XXXX. My forbearance ended XX/XX/XXXX and I have made at least the regularly contractually scheduled monthly payment required at least since XX/XX/XXXX.
Caliber is improperly reporting my mortgage status for the duration of the forbearance and thereafter and is making it impossible for me to refinance due to the VA seasoning requirement to have 6 consecutive regular payments as reported by the credit agencies. Due to the suppression protection Caliber did not report the mortgage payments as current or delinquent but they where required to report the mortgage as current based on the Cares Act and the status of the loan when covid forbearance was invoked.
|
| 12/07/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
We refianced our home mortgage in 2015, and the loan was sold Caliber Home Loans in XXXX, TX ( XXXX # XXXX ) for servicing. in XXXX, Caliber informed us there was insufficient money in our Escrow account to keep the monthly payment the same, and listed the new payment amount. They also included a smaller monthly payment amount if we sent them approx. {$300.00}.
We wanted to keep the payments for our loan from increasing, so we sent the {$300.00} amount, PLUS the difference of the monthly increase XXXX.
They returned the difference. I sent another check for them to keep our monthly loan payments the same, and they AGAIN returned the money, saying, by law, they had to return anything more than {$50.00} that was required by Escrow calculations. I explained that I did n't want them to add it to Escrow, but to keep the payments as they had been in 2015.
They said they are unable to keep the payments fixed, even though I twice sent them monies which would do that very thing.
|
| 10/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I got a forbearance due to covid and it ends on XXXX. On XXXX I sent in a request form for a Loan Modification, as I wanted to be proactive and get the payments setup before I was to resume normal payments. I did not wish for this to affect my credit. The Mortgage company sent an insulting and predatory loan modification offer to me that extended the term of the loan an additional 11 years, while only lowering the payment by {$260.00} per month. Naturally, I declined this offer and requested a deferral instead. That was 2 weeks ago, and they now say I am no longer elligible for a deferral since I requested a loan modification. I was never informed I would be giving up the deferral option when requesting a loan modification, and even if that was the case.. why was this information not shared 2 weeks ago when it was requested? I am now 10 days from the forbearance ending with no plan in place. It seems this will start affecting my credit unless we have a solution by then.
|
| 08/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Went through a loan modification in XXXX with Caliber Home Loans. My husband had a XXXX XXXX XXXX and had been out of work. Mod was approved at the end of XXXX, payments to start the trial mod in XXXX or XXXX. All completed on time as agreed. Final modification went into affect XXXX XXXX, 2017 was told throughout the process, the account would be updated to reflect current payments. Now I am being told that ca n't and wo n't be done. I would have not gone through all of this had I not been assured in several phone calls that every thing would be updated to current one the modification was approved. I could have paid XXXX and XXXX late and been current from XXXX forward. I would have been better off financially for sure.
I only want the time from XXXX removed as that was the time to wait for the trial period to begin. I offered to pay the loan every month and was told not to do so. I think it is only fair to remove the 60,90 and 120 day plates as that is not accurate
|
| 04/16/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
My household is financially affect with COVID-19 Pandemic. So I made a call to Caliber Home Loans XX/XX/XXXX. Held for an extended period of time to speak with a SPOC. Finally got an agent & she was suppose to set me up on the Covid forbearance & stated I would receive paperwork in the mail in appx 1wk. After a week XXXX I rec 'd nothing, so I made another call out. After waiting appx 2hr I spoke with XXXX # XXXX. She advise she saw the request but paperwork had not generated. Frustrated at the long wait times I sent an email thru the wed XX/XX/XXXX. Then on XX/XX/XXXX XXXX # XXXX w/Bankruptcy dept call in reference to the web inquiry. I inquired if the plan was set-up & paperwork generated, He reviewed my account & saw the previous call notes and advised neither rep had set my account up on Covid FB after 3wks. He states he put in a require this time but I have no faith in this since 2 previous agent did not follow thru. This is my home & should be taken seriously.
|
| 08/03/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
In XX/XX/XXXX I signed loan number XXXX for $ XXXX with XXXX XXXX, and soon after they filed BK in New York. The then servicer XXXX promised me a no cost loan modification with the Federal Government HAMP program. I have made all my payments to all the servicers including XXXX XXXX loan number XXXX on time and was never late, therefore I received Principal payments from the Government which were never applied correctly to my loan. In XX/XX/XXXX I got divorced and had to file BK. My non negotiable instrument somehow allegedly changed hands from XXXX Loan Number XXXX to XXXX loan number : XXXX to the recent Caliber loan number XXXX. Now I have come to understand via a ruling of the State of California that chain of title has been broken and that my contracts have been breached. Therefore I have had to hire the Consumer Law Attorneys to investigate my loan and attach a signed authorization for Caliber to send them all the requested documentation as soon as possible.
|
| 12/13/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I have requested 3 times to have my monthly MI removed form my loan due to it having originated prior to XX/XX/2013 and being at or below 78 % principal balance excluding the upfront MIP. I have received generic responses stating I do not meet the threshold to my first 2 inquiries and as of today I have received no response at all to my last inquiry, submitted on XX/XX/2018 at approximately XXXX. In all inquiries I have requested the balance needed to remove MI if they feel I have not met the threshold and that information was also never provided. It is my belief that Caliber Home Loans is failing to comply with the removal requirements by 1 ) Not verifying the eligibility directly with FHA when my request was made 2 ) In their internal calculation failing to remove the UFMIP from the ltv calculation as required in Mortgagee Letter 00-46 and 3 ) Failing to review the original amortization schedule to assist in determining the principal balance needed for removal.
|
| 06/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Caliber Home Loans received my XX/XX/2023 payment from the haf program on XX/XX/2023. Caliber home loans did say it takes 40 days to process. I understood that because they are swamped with payments from haf. But what I dont understand is why caliber home loans cant tell the credit department in the same building that they are running behind with posting payments?? If you have a payment in the building why would you not communicate the truth? Why would caliber home loans allow such an erroneous situation to happen? I called 14 times! I was told a manager would call and that never happen. I was told they are merging with nex and they are reconstructing. I was hung up on by XXXX as soon as she heard my name. XXXX was so annoyed and short patience so often that I knew caliber was going to put a derogatory mark on my credit report with no regards to what it would do to me. Caliber home loans should be held accountable for the careless way they treat their customers.
|
| 11/13/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I was under contract for a house that had credits from the seller and credits from my realtor in order to cover closing costs for the house. The broker told me verbally on XX/XX/18 that those would cover closing costs ( see attached text from broker asking me to call him ) and I would only be responsible for the down payment. My realtor told me closing costs would be higher than the broker was telling me, but I trusted the broker when he told me that the credits I received would cover the costs. As stated, I confirmed this verbally PRIOR to signing the final contract for the house. Unfortunately, this was inaccurate information and when I realized one week before closing that I was lied to, I could not do anything about it or I would not be able to close on my house the next week. I was put in a bad situation that I had to pay additional, unexpected closing costs. The broker nor Caliber would work with me further- nor did the broker respond to my final emails.
|
| 01/08/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I recently re-financed my home last year with caliber home loans. I submitted all the documents for my homestead exemption. There was nothing in any of my loan documents that stated that they would continue to collect taxes from me. They continued to do so and after several conversations via phone and email to Representatives of caliber, I was unable to get them to stop collecting money from me that I was not liable for. They claim that they are legally able to so since, in the state of Nebraska we have to refile every year for the homestead exemption. This may be true but I don't think this gives them the right to collect money from me that I am not liable to pay due to both a state and federal law that excludes me as a XXXX person to pay home taxes!! I have over {$2000.00} in escrow right now that they are withholding from me. I do not believe that this is, nor should be legal! I am not liable for taxes so why are they legally able to collect them from me?
|
| 06/10/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
Back in XX/XX/XXXX I filed a complaint with this department, ( case # XXXX ). XXXX XXXX XXXX responded and a modification was implemented in a couple of months after two and one half years of stalling. I paid $ XXXX for 3 months and a permanent mortgage was granted. This was nothing resembling the modification that was presented to me, a waste of {$6000.00} or as I see it a SCAM on XXXX 's part. I refused because it would have left my wife and I tied to this house till XXXX. We are in our late XXXX 's and hoping to sell house in XXXX years and move into an apartment. The house was extremely under water at that time as well as now.A few months later XXXX proposed another modification which I started but my mortgage was sold to Caliber Home Loans. with a new loan number.
Please help I do n't want to go to foreclosure. I currently have not been discharged from chapter XXXX bankruptsy.
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX Fl. XXXX XXXXXXXXXXXX
|
| 05/09/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
We are currently in Bankruptcy and our mortgage was transferred from XXXX XXXX to Caliber Home Loan in XX/XX/XXXX. We pay an interest rate 7.13 % on this mortgage, however when we receive our yearly XXXX tax form for XX/XX/XXXX from Caliber it was for the amount of {$15000.00} for that year. Caliber just starting letting clients in Bankruptcy receive mortgage statements and have access to their statement online accounts. On this first mortgage statement Caliber stated ( recently paid interest ) {$31000.00}. But this is not the amount on our XX/XX/XXXX ( XXXX ) tax form and they had not posted 3 months of payments to our account online at that time and still show XX/XX/XXXX payment due when we are current. I am making this complaint about Caliber Home Loans, because I feel the interest rate being reported to IRS is not accurate and in their statement they are adding unexplained fees past amount when the mortgage payments are being made each month in full.
|
| 06/25/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
I have a mortgage with Caliber Home Loans which went into foreclosure. I made a large down payment and have been making payments every month since XXXX XXXX. Caliber recast the payment arrangement to lower the payments from {$9000.00} to {$7700.00} per month which was approved, and XXXX XXXX, a letter was sent to me stating that as agreed {$9000.00} was to be paid XXXX XXXX, XXXX and every month after that {$7700.00}. The letter clearly states that ALL FORECLOSURE ACTIVITY WILL BE SUSPENDED. However, Caliber did not notify XXXX XXXX XXXX ( the company that does the foreclosures for Caliber ) that there is a payment plan in effect. XXXX ordered a sale date on XXXX XXXX, XXXX and it was tacked on my door on XXXX XXXX. The letter clearly states that all foreclosure activity would be suspended. Going against the agreement, foreclosure activity began before the payment was due. Payment was due Saturday XXXX XXXX, XXXX and sale date was order XXXX XXXX, XXXX
|
| 03/29/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
Caliber Home Loans transferred account services to XXXXXXXX XXXX XXXX on XX/XX/2023 Account # XXXX XXXX XXXX XXXX XXXX SC XXXX Caliber Home Loans transferred the services on XX/XX/2023 and up until today they have not forward any payments from XXXX and XXXX to the new service provider ( XXXX ).
Caliber already closed my mortgage account with {$0.00} balance and its reporting account paid off to credit bureaus.
I know they have up to 60 days to forward my morgage payments to the new dervicer ( XXXX ) and they have not forwarded anything yet. XXXX is about to start foreclosure proceeding on this loan for missing mortgages payments.
Caliber Home Loans was receiving mortgage payments from the State of Florida Department of Economic Opportunity ( DEO ) under the Homeowners Assistance Funds ( HAF ) until XX/XX/2023, but Caliber has neglected to forward these payments to XXXX in a timely matter therefore putting my home in jeopardy for lack of payments.
|
| 01/17/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I start a process of loan modification, in XX/XX/2019 I went to the mediation the lawyer from Caliber denied the modification alleging that my income was to low, but they didn't want to use my income from my main job ( XXXX XXXX ) in this job I get XXXX per year if they don't use this income it's the best excuse to denied a modification. My feeling is that they are discriminating. I work very hard I have three jobs XXXX XXXX, XXXX XXXX XXXX XXXX and small own business XXXX XXXX, beside my sons work and support me financially, we present all this information and documents to Caliber ( income tax returns, banks statement, payroll, letter of employed, etc. ) but they are acting very unfair. We are desperate they don't care about the people, We been sending to the trustee during one year {$1500.00} We are not living for free and we need to keep the house XXXX is very expensive and they probably want to pull me out just because I'm XXXX and not rich XXXX.
|
| 04/24/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
caliber home loans XXXX - Loan was originated as an FHA and on XX/XX/XXXX, as of XX/XX/XXXX I had paid the balance down to less than the 78 % as required by the FHA to remove PMI. I sent a letter ( enclosed ) to Caliber to have the PMI removed and they send back that is was. My payment went down the {$320.00} as you can see from the screen shots. On XX/XX/XXXX an additional {$940.00} was taken out as an FHA payment and even though I have been promised several times that either documentation of some kind will be send to me explaining why this was taken out or that the funds would be refunded nothing has happened. I have been promised several call backs from " senior associates '' that could explain what had happened but have yet to hear back.
What makes this even worse is now the loan is being sold to XXXX XXXX services as of XX/XX/XXXX, and my concern is that they did this to keep from having to explain or deal with me on the missing ~ {$950.00}.
|
| 09/22/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
We are an attorney 's office who represented a client seeking mortgage assistance. She received a modification trial offer and has made all her payments on time. I have been following up with the lender for over a month for final documents and was told on XXXX XXXX, 2016 that they had no authorization for me ( despite working with me to get the mod ). I sent updated authorization and had to wait for them to apply it to the account. Now they tell me that the final documents went to our old address the day after I called in and was told we had no authorization on file, and the deadline to return the documents was on XXXX XXXX. I told them that the docs were not received, and they will only give me until XXXX XXXX, 2016 to return the documents ( that I STILL have not received ) back to them, or they will pull my client 's modification and make her reapply. I specifically asked for a supervisor 5 times in a 45 minute conversation and was refused XXXX.
|
| 12/20/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
Caliber Home Loans and I have gone back n forth trying to get this handled. There seems to be only one remaining erroneously filed lien by Caliber with HUD. This last one we need to see satisfied is loan # XXXX .... MIN # XXXX ... XXXX XXXX # XXXX partial lien in the amount of {$18000.00} OR XXXX XXXX pg XXXX on XX/XX/XXXX We have been working towards correcting Calibers mistake from XX/XX/XXXX since the middle of XX/XX/XXXX when it was discovered during closing month XX/XX/XXXX by title company. Title company is holding back XXXX in funds owed to me due to Caliber 's erroneously filed lien mentioned above. They have promised to try to fix this. even said they included a VP to try to help. Not that I can speak to anyone beyond their XXXX team. And no one is owning this mistake. its not just a balance owed. I am a person trying to close this loan out. trying to move forward, and yet bc of an error that Caliber will not correct with HUD, I can not.
|
| 05/03/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I have two is sues that I would like explained to me by Caliber Home Loans. Caliber pu rchased my wife 's mortgage as of XXXX XXXX , XXXX . I am entering into a modification with them right now so I would like some clarification on some facts and figures as they now have all the files. 1 ) I would like an accounting for my wife 's estate on how in a modification done XXXX of XXXX , that the principal grew from {$200000.00} to {$310000.00} and if this figure is accurate, exactly what does in include for the additional money in excess of {$100000.00}. 2 ) With this same modification XXXX made my wife agree to a life insurance policy for the principal of the loan as part of the loan package. It was not an optional addition to the loan at that time as Caliber claims it was. Because it was mandatory at the time of the modification, I do not understand why on her death this did not kick in. It was part of the package they purchased.
|
| 07/12/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
I endorsed an insurance claim settlement check and sent it to my mortgage holder. I completed 50 % of the repairs and this was confirmed by the mortgage holders home inspector on XX/XX/18. According to the mortgage holders ' procedures, they will then release at least {$40000.00}. I submitted all documentation requested on more than one occasion. The bank insists that I send them a signed contract with my general contractor. I have informed the bank that I have not yet hired a contractor for the kitchen repair. I have signed a contract with a window replacement company and have submitted a copy of that contract to the bank. I have and I am doing most of the work myself and only going to use a general contractor for the largest part of the job which is the kitchen construction work. I am using the " savings '' of self repair to re-build with upgraded materials which improves the value to the property. I need my first insurance proceeds draw NOW!
|
| 11/18/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have been working with my lender for a loan modification since early XX/XX/2016. I have submitted all documents requested and in the middle I was transitioning between a new job. I have sent in explanation of my new job which started on XX/XX/2016. To date I have only been paid one pay stub which was faxed over to the lender on XX/XX/2016. I am not withholding any additional pay stubs as I have only received the one pay stub provided. I am now being informed 3 days before the foreclosure sale of my home that I my application has been closed out for review because I am missing pay stubs for the month of XXXX, I have sent in an explanation that I had no pay stubs for XXXX as that was the beginning transition of my new job. They are now unwilling to postpone the sale stating there is not enough time, there would be enough time if they would postpone the sale and allowing me to send another pay stub from my next paycheck and keep the review open.
|
| 10/18/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I have had my mortgage with Caliber Home Loans since we bought our house in 2015. I was in the process of an FHA XXXX loan modification with a partial claim trial payment plan offer when XXXX XXXX hit. I had paid the first modified payment, and the second one is not due until XX/XX/XXXX.
I called XXXX and told them what happened in the storm. They gave me the information I needed to contact the insurance company and apologized for our loss.
Today, XXXX XXXX, I got a letter saying that they transferred the servicing of our mortgage to XXXX Mortgage XXXX, a notoriously terrible company. This happened not even two weeks after I told them our house was damaged.
I don't want to do business with XXXX, flat out. Do I have any recourse at this time, considering we are in a disaster area and are already in a terrible position? Are they allowed to do this even though I followed their instructions on the FHA XXXX loan modification and made my payment?
|
| 09/28/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I sent request for information, about payment reversal, without three day notice, to Caliber Home Loan, and their lawyer XXXX and XXXX. I did not receive an acknowledgment of receipt as required by RESPA, furthermore they failed to respond within the required 30 days. I am attaching in .pdf format, A ) original request, B ) notice of 5 day RESPA violation, asking for explanation, C ) notice of 30 day failure to respond, in which, I ask for information requested be sent, without delay.
I know for a fact Caliber received notice 's because they uploaded the original request in documentation as part of a response in complaint # XXXX to the CFPB, on XXXX/XXXX/16.
Caliber Home Loans, continued arrogance, and blatant violation of rules, set forth by agencies of the US government are disturbing, troublesome, they should IMMEDIATELY, brought to the attention of regulators, and appropriate action should be taken, at once.
.pdf # XXXX # XXXX # XXXX
|
| 09/28/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I sent request for information, about escrow received in the amount of {$890.00} to Caliber Home Loan, and their lawyer XXXX and XXXX. I did not receive an acknowledgment of receipt as required by RESPA, furthermore they failed to respond within the required 30 days. I am attaching in .pdf format, A ) original request, B ) notice of 5 day RESPA violation, asking for explanation, C ) notice of 30 day failure to respond, in which, I ask for information requested be sent, without delay.
I know for a fact Caliber received notice 's because they uploaded the original request in documentation as part of a response in complaint # XXXX to the CFPB, on XXXX/XXXX/16.
Caliber Home Loans, continued arrogance, and blatant violation of rules, set forth by agencies of the US government are disturbing, troublesome, they should IMMEDIATELY, brought to the attention of regulators, and appropriate action should be taken, at once.
.pdf # XXXX # XXXX # XXXX
|
| 03/17/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I tried to get a modification from Caliber Mortgage. I believe they intentionally stalled so that I could not get the modification. I gave them all of the information they asked for. They said they resended the foreclosure XX/XX/XXXX. And because I did not submit certain documents ( And I did ) they presumed the foreclosure. I was never notified about the XX/XX/XXXX foreclosure. They did not do things correctly. If you look on the previous complaint and their response you would see that they said they resended it in XXXX.Yet, they sent me a letter saying they did it in XX/XX/XXXX, and XX/XX/XXXX. ( All confusing ). I am very upset about all of this. They really never tried to help. If it was foreclosed in XX/XX/XXXX I should have been notified before XXXX. Please look in to this situation for me. My husband passed expectantly, they know about it and I believe they are taking advantage of me in my weakest, and during my time of bereavement.
|
| 07/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Starting in XXXX of XXXX I was Eligible for requesting to remove my private mortgage insurance. They received that documentation and request on XX/XX/XXXX as well as payment for the appraisal to determine value on the home. I have called in 4 times now requesting an update on my application since they had received the payment and request and each time I get notified that the PMI team has been notified and will reach out to me within a week. They have no external number and no one to contact. Each time there has been no response by Caliber home loans. The Company has assured me each time that they will get this resolved immediately, yet it has not been. Due to this I have maid 6 payments starting on XX/XX/XXXX and will have paid an additional {$640.00} in private mortgage insurance. With how unresponsive and dismissive the company has been it feels like these delays are intentional to keep me paying Private mortgage insurance indefinitely.
|
| 12/14/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I took out a mortgage for $ XXXX with XXXX XXXX XXXX. I made all my payments on time but they have been misapplied by all the alleged servicers since then. In XXXX a fake straw software company called the Mortgage Electronic Registration Systems , Inc. tried to assign my deed of trust. ( Exhibit C ) Then in XXXX another fake XXXX and XXXX XXXX XXXX tried again to assign my deed of trust ( Exhibit D ). Then at the beginning of this year XXXX another fake servicer called Caliber Home Loans attempted to assign my deed of trust again. ( Exhibit B ). My deed of trust on p. 24 specifically states that only the LENDER can substitute the Trustee. None of these companies are the LENDER.The companies have not sent my Attorney the requested documentation. ( Letter dated XXXX/XXXX/XXXX ). They have not given me an updated running balance of all payments made to date which leads me to believe all this is fraud and would like for the CFPB to intervene.
|
| 09/28/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I sent request for information, for XXXX and XXXX XXXX mortgage statements, to Caliber Home Loan, and their lawyer XXXX and XXXX. I did not receive an acknowledgment of receipt as required by RESPA, furthermore they failed to respond within the required 30 days. I am attaching in .pdf format, A ) original request, B ) notice of 5 day RESPA violation, asking for explanation, C ) notice of 30 day failure to respond, in which, I ask for information requested be sent, without delay.
I know for a fact Caliber received notice 's because they uploaded the original request in documentation as part of a response in complaint # XXXX to the CFPB, on XXXX/XXXX/XXXX.
Caliber Home Loans, continued arrogance, and blatant violation of rules, set forth by agencies of the US government are disturbing, troublesome, they should IMMEDIATELY, brought to the attention of regulators, and appropriate action should be taken, at once.
.pdf # XXXX # XXXX # XXXX
|
| 10/23/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
On XX/XX/XXXX in the circuit court of the XXXX XXXX XXXX in and for XXXX XXXX, Florida Civil Division Div. XXXX Case No : XXXX I XXXX XXXX the defendant received a Notice of Voluntary Dismissal and Release of Lis Pendents from XXXX Mortgage Services. During the trial, a representative of Caliber Home Loans testified and the Court entered a judgement without prejudice against them. Since that time, Caliber Home Loans XXXX XXXX, Ok XXXX has continued to report negative reports XXXX. In addition they continue to harass me and lie on me. As recently as XX/XX/XXXX XXXX, Foreclosure Specialist contacted my Attorney XXXX XXXX XXXX. inquiring whether or not he still represents me and said " that I expressed to them that I would voluntarily surrender the house via signed documentation. '' Why would I voluntarily surrender my home. That is a lie from the pit of hell and I wish your organization would look into their unscrupulous business practices.
|
| 04/13/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
On XXXX the XXXX I call Caliber Home Loans in order to find out what type of programs they had available for the people effected by covid-19. After a two hour hold time, I was told by XXXX ID:XXXX that they have a forbearance plan.
I specifically asked if I can continue to make payments with my debit card through the online portal. She told me yes.
XX/XX/XXXX I attempted to pay my mortgage through the online portal but was unable to. Today, XX/XX/XXXX, I called them again and after a 45 minute hold time, I was told that due to the forbearance I can only pay via phone with checking account and route number! This was NOT explain to me, in fact, the opposite. XXXX ID:XXXX was extremely rude, aggressive and refused to accept responsibility on behalf of caliber home loans.
I NEVER agreed to make payments over the home, I ASKED if I could continue making payments as I always have and was told YES.
They need to be held accountable for this.
|
| 06/03/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
I have a Home Loan with Caliber Home Loan about 4 years. I am always about 15 days early. I have an XXXX Credit score. I am XXXX XXXX XXXX. Last month i did not get a payment slip. I was one day late and received harassing phone calls. I paid my XXXX payment on XXXX. I received the XXXX Billing yesterday on XXXX XXXX. It was due XXXX XXXX. I tried to call the phone listed on their Invoice XXXX XXXX XXXX. The automated operator did not recognize my " phone # ''. They did Not recognize my account #. Automated system disconnected me. I tried 7 times. I tried to call Caliber Home Loan Corporate # XXXX XXXX XXXX. Same Problem! They did not recognize my Phone # or my account # and disconnected me. This is Outrageous!
I am entitled to call my Mortgage Company and find out my payment schedule situation.
I am making a formal complaint I will enclose payments I made and their invoices.
There are volumes of complaints against Caliber Home Loans.
|
| 10/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
This is a qualified written request under Section 6 of RESPA to obtain any and all information regarding the true owner of the XXXX loan number : XXXX since XX/XX/XXXX, and all payments made during XX/XX/XXXX and XX/XX/XXXX for the upcoming hearing before the Ninth Circuit Appeals Court number : XXXX, as well as confirmation that the following payments were applied to my loan : Non applied funds in the amount of : {$920.00} on XX/XX/XXXX, and {$1900.00} on XX/XX/XXXXand at least 17 payments for : {$1100.00} on XX/XX/XXXX, {$480.00} on XX/XX/XXXX, {$480.00} on XX/XX/XXXX, {$480.00}, on XX/XX/XXXX, {$480.00} on XX/XX/XXXX, {$440.00} on XX/XX/XXXX, {$480.00} on XX/XX/XXXX, {$480.00} on XX/XX/XXXX, {$440.00} on XX/XX/XXXX, {$480.00} on XX/XX/XXXX, {$470.00} on XX/XX/XXXX, {$470.00} on XX/XX/XXXX, {$440.00} on XX/XX/XXXX, {$470.00} on XX/XX/XXXX, {$440.00} on XX/XX/XXXX, {$470.00} on XX/XX/XXXX, and {$350.00} on XX/XX/XXXX during XX/XX/XXXX.
|
| 03/21/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
On or about XX/XX/2023 I was discharged from XXXX XXXX Bankruptcy. I reached out to Caliber home loans to discuss my release of lien. they said it had not been paid off. I told them I had been discharged from XXXX XXXXXXXX and that I no longer owe anything according to the court. After multiple calls and my attorney getting involved there were no changes. In early XXXX I sent a certified letter that they were required to respond to after 5 Days according to RESPA. I never heard anything from them. Towards the end of XXXX their attorney finally reached out to my attorney and said I would show a XXXX balance by XX/XX/XXXX. The attorney was correct. Come to find out only to be sold to XXXX. I have ben attempting to reach out tot hem to get this resolved however they can not find me in there system. Its been XXXX XXXX months and no resolution. I have not even been sent a statement or called for payment. Which they can not ask for payment.
|
| 11/02/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XX/XX/XXXXI took out a home loan with XXXX XXXX DBA XXXX. They filed Chapter XXXX Bankruptcy in XXXX. Recently I have received the attached letter from XXXX XXXX XXXX XXXX XXXX operates as a subsidiary of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX. United States. Tel. XXXX acting as TRUSTEE for the LSF9 MASTER PARTICIPATION TRUST, and serviced by CALIBER HOME LOANS. We have contacted XXXX XXXX XXXX directly and they claim that XXXX MASTER PARTICIPATION TRUST does not own any mortgages and does not have any assets? We attach a letter from our Attorney requesting all the documentation regarding this matter and have still not received the reply to the attached Qualified Written Request ( QWR ). We understand that there is a case of fraud active in the Texas Federal Court, Case number : 1:17-CV-297 against them and would like for the Consumer Financial Protection Bureau ( CFPB ) to investigate this further.
|
| 06/28/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
I received XXXX offers via e-mail ( and XXXX via regular mail ) from Caliber Home Loans with offers to refinance with claims on how I can save money by refinancing into what are obviously sub-optimal new mortgages. I currently have a 30 year 3.375 % mortgage with about 27 years left. They sent me XXXX offer that tries to sell me on the idea of refinancing to a new 30 year mortgage at 4.0 % because " Getting a lower monthly rate and paying less over the life of your loan just makes sense. '' The other offer was to get me to refinance to a 20 year 3.75 % mortgage, again an awful fiscal move. Again they use strong language " refinancing is an easy way to solve many of your mortgage worries. '' They do put a disclaimer on the e-mail that lists out all of their assumptions, but the exuberant language they are using to try to sell people on making what is clearly an awful fiscal decision is wrong and borderline predatory in my opinion.
|
| 05/11/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I purchased a primary home with mortgage and put 10 $ % down. I had to get PMI on the loan. I requested the LTV ratio at which we need to get PMI released from the Loan and I have written evidence from Caliber Home Loans stating if I pay down the Loan to 80 % they PMI will be released. We paid the loan to below 80 % and they they denied our request and said we need to pay it down to 75 %. We just paid it down to 75 % LTV and now they are making us get an appraisal to redetermine the LTV. The regulation requires them to automatically cancel the PMI with two years good payments, no late payments, and 75 % LTV ; all of which we have satisfied. The XXXX XXXX XXXX guidelines allow PMI to be released if you make betterments or improvements to the property and get an appriasal which would show the Value is higher and thus the LTV ratio could be lower than 75 %. This requirement is not necessary if you are just paying down the principal!
|
| 03/17/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
XXXX, NJ XXXX XXXX XXXX, 2016 Caliber Home Loans XXXX, OK XXXX Account Number : XXXX RE : Request for Payoff Statement TO WHOM IT MAY CONCERN : We are writing to request Caliber Home Loans provide us with a Payoff Statement pursuant to 12 CFR 1026.36 ( c ) ( 3 ). For the record, we continue to dispute the validity of the alleged debt.
" PAYOFF STATEMENTS. In connection with a consumer credit transaction secured by a consumer 's dwelling, a creditor, assignee or servicer, as applicable, must provide an accurate statement of the total outstanding balance that would be required to pay the consumer 's obligation in full as of a specified date. The statement shall be sent within a reasonable time, but in no case more than seven business days, after receiving a written request from the consumer or any person acting on behalf of the consumer. '' Thank you.
Sincerely, XXXX Cc : Consumer Financial Protection Bureau ; NJ Superior Court
|
| 09/08/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
I paid my mortgage online at XXXX with Caliber Home Loans on XXXX/XXXX/2014 for XXXX payment. They did n't apply payment til XXXX XXXX which was at 31 day period. They have me as a 30 day late on the credit bureau. I submitted my payment well enough time for them to issue credit. This is not my fault my payment was submitted on a thursday they do not need that many days to apply payment. It was done online in there system. I have begged them to correct this 30 day late on my credit report they have now said that if they change it, they would be in violation of the laws made up by the credit reporting fair act. I 'm so mad.. its dropped my score so low, and I was n't late. Im attaching the proof of when I did my payment. I did n't read the date on there they were crediting the payment, I did n't feel I was in any jeopardy. I see it now but again I do n't feel they are right. I want this late removed from my report please help me.
|
| 06/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Pay off submitted and the payment was sent back. Resubmitted with a more accurate amount and notice of dishonor, tender instructions and bankers affidavit submitted to the CFO of Caliber home loans.
They need to accept my payoff for my loan and send me the allodial title ASAP. this is the second attempt to pay off my loan.
a XXXX will be submitted to the IRS with all documents and copies of payments submitted. Organized crime, public and political corruption, false and altered documents, unreported income, faliure to with hold tax, failure to file return, failure to pay tax, failure to honor, process and credit account # XXXX has caused loss injury and harm. An offer of performance was tendered in good faith and full satisfaction of their claim with the intent of extinguishing any alleged debt, duty, obligation or liability, it is their duty to honor my instruments. they are making false statements about me to credit bureaus.
|
| 09/19/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
This will now be my 2nd complaint, as I had sent a complaint on XX/XX/22 and was then given a date when funds would be applied to my account. I have called mortgage company again on XX/XX/22 with no explanation on when the funds would be applied and was told at that time that a late fee would not be applied as it was noted on my account HAF payment was pending and they have my award letter that was emailed to them by me. Last month payment in the amount of XXXX was applied on XX/XX/22. This month nothing has been posted as of yet and a late fee was applied on XX/XX/22. HAF says check was mailed out and Im waiting on XXXX to post. Payment was also mailed out to my electric company and that was posted on XX/XX/22 with no issue. Not sure why no one can tell me when this will be applied. I am very concerned at this point because it seems I will have to file a complaint every month for payment to be applied timely to my account.
|
| 05/14/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Caliber Home Loans sent me the attached letter dated XX/XX/XXXX proving that they violated the FDCPA by sending out signed Notices of Trustee Sales and posting them on my property without any individual taking responsibility for trespassing on my property. It is clear evidence that a company called XXXX XXXX allegedly signed a CERIFICATE OF POSTING without a real human being signing it violating the FDCPA. Also, in their extensive letter Caliber fails to address how I had a balance of {$920.00} plus {$1100.00} and paid them {$4900.00} in taxes, as shown on my XXXX XXXX IRS Form if as they alleged in the Chapter XXXX BK I filed I did make the payments as agreed during XXXX? Also they violated Federal BK Laws by not applying my post petition payments correctly and charging my at least {$410.00} in late charges and other fees of {$350.00}. I would like an Accounting done on all regular payments made during my BK in XXXX asap.
|
| 02/21/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I contacted Caliber Home Loans for a modification as I was having difficulties paying my mortgage because of a hardship. I received a trial plan which was increased my payment {$230.00} per month. I contacted Caliber Home Loans on three separate occasions with no explanation. My latest call to Caliber was yesterday and the single point of contact informed me that I would have to talk to XXXX XXXX to find out the how Caliber came up with the increased payment. The single point of contact also told me that if I could not afford my home to surrender it. I want Caliber Home Loans to tell me how they came up with the increased amount and perhaps work with me to lower the payments.
Also, I have not received an explanation from Caliber regarding the Obama Hardest Hit Funds they received back in 2016 upwards of XXXX. I was advised that XXXX went towards the principle and that would lower my payment however that was not the case.
|
| 12/04/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Settlement process and costs
|
|
Web |
|
|
I found forged XXXX also other settlement documents I had never seen before.
I also had asked for XXXX insurance be placed on the loan and did n't discover it was n't on the loan or any type of protection until I had received copies of some of the documents that are obvious forgeries. I had also had been turned down 11 times for a modification before I was approved. I still do n't know what is missing that could also have been forged. These forged documents have also been notarized by the title company.There are many laws and. Clearly many laws and Federal regulations have been broken. He seen the documents. I just now learned of the XXXX XXXX dollar settlement that my lender or servicer was apart of. The servicers should have contacted me to let me know of this settlement. I called National Mortgage Settlement and they said too late nothing I can do. I am in a huge mess and do n't know if there is anything that I can do.
|
| 01/26/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have my home loan with Caliber Home Loans. They placed Lender Insurance on my property without advising me. I already had home owners insurance with XXXX XXXX. They changed my monthly mortgage payment without advising me because of this insurance they placed on the property. They stopped applying my payments, which were set up on automatic payment, because of this increase. They were however cashing the checks but they were not applying the payments to my account. I called to complain after receiving notifications of a pending 30 day late. I sent in proof of insurance at that time. They advised after reviewing the insurance that they would start applying the payments but that I still owed them {$1100.00} for the insurance they placed on the property without my knowledge. They said they mailed me a letter, which I never received. They have my email address and my phone number but they did not utilize either ; only mail.
|
| 12/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
State of Florida, Department of Economic Opportunity ( DEO ), thru The Homeowners Assistance Funds program, ( HAF ) is making my monthly mortgage payments to Caliber Home Loans for next six months.
State of Florida 's special payments unit in XXXX Florida, assured me several times that monthly payments are being sent on the 1st each month to Caliber Home Loans.
For some unknown reasons, Caliber Home Loans are not crediting such payments on time, therefore I'm incurring in late fees and they are reporting these payments late, to all three credit bureaus, when actually these payments are made on time.
These Homeowners Assistance Program is a Federally program to assist homeowners to avoid delinquent payments.
The Homeowners Assistance Fund ( HAF ) confirmed on several occasions that all payments are in fact sent on the first of each and every month. They have no idea as to why Caliber is not crediting payments on time
|
| 03/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Hello, I have a loan with Caliber Homes and they force me to escrow the money for taxes and insurance. In years past they mailed a payment for the taxes in early XXXX. this year they had not mailed a payment towards the end of XXXX. I reached out to them to find out why they had not mailed out a payment to pay the 1st half of the taxes. Their response was that the taxes had been paid ( in XXXX of 2020 ) and were up to date. Funny thing is I then check back after I made the inquiry they mailed a check, which made it impossible for the county to process it by the deadline. They also assured me that the taxes will be paid on time. Well going on to the county 's web site I see that they have not still been paid, or now late and interest is accruing. I have tried to contact them multiple times and constantly get the run around and a non-answer answer from them or a delay in response that it will take a week to get an answer.
|
| 12/13/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Our loan is through Caliber Home Loans. This past fall we contacted the company when we knew we would be behind for the second month and requested a non formal payment plan. At that time the representative said that we were not too far behind and our payments were not too much so no action would be taken against and to not concern ourselves with it and to make payments as we could. As things got worse for my wife medically we had to apply for SSI benefits and they are being processed and I have had to take several FMLA days to help her get to appts or to care for her so we fell further behind on payments. We then contacted them for a formal repayment and then a forebarence plan and was denied all options except selling in some way. This was a temporary hardship and normally we would be able to make our payments so if our forebarence had been approved we would not be four months behind and able to continue our payments.
|
| 06/27/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
Apparently, the mortgage company Caliber Home Loans is confused as to what I am requesting.
I requested a Qualified written request for accounting pursuant to the Real Estate Settlement Procedure Act, to XXXX, XXXX, XXXX had failed to provide a copy of pay history log and the servicing log required under Real Estate Settlement Act.
When XXXX XXXX XXXX transfer my home loan to Caliber home loan, XXXX should had transfer the request for a Qualified Written Request/ Real Estate Settlement Procedures Act ( RESPA ).
The information Caliber home loan responded to, it doesnt address the real issue that started this.
It is almost as if XXXX and Caliber home loan is saying, though you are an XXXX XXXX XXXX, therefore, we or not obligation to provide that information to you.
A failure to provide information regarding a loans is a violation of the Fair Housing Act.
Please call me at XXXX if you have any question.
|
| 11/18/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Addendum to COMPLAINT ID XXXX This complaint is NOT CLOSED!!!
Dear CFPB, Why is Caliber Home Loans attempting to assess interest on a Covid 19 related forbearance? See their addendum. In fact, I want to get away from the shady practices of Caliber Home Loans and would like do a refi with another company and Caliber has taken my {$410000.00} principal and added XXXX in accrued interest that came from the Covid 19 forebearance period for the total buyout. Under the Cares Act it clearly states that no interest will be assessed during forbearance of mortgages related to Covid 19 circumstances. I have noticed that Caliber Home Loans has a total of 1,146 complaints in your data base from mortgage customers, this is a substantial amount of complaints ; can you please audit their systemic issues ASAP. Also, please find out if you have other complaints from XXXX XXXX theatre serving USA military veterans. Regards, XXXX XXXX
|
| 08/14/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American, Servicemember |
|
XXXX XXXX sent notices of pending foreclosure to an unknown address that has since been discovered.
Caliber home Loan and XXXX XXXX sent legal notices to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. When my then legal address was my home that was illegally foreclosed upon XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX.
WE have found all your Special delivery mailing to the above address my searching the neighborhood for past 2 years.
I was not legal notified therefore, no amount of time can be claimed to negate this illegal and wrongful foreclosure.
XXXX XXXX made a loan with XXXX on XXXX and my name was on a registered and recorded Quit Claim Deed XX/XX/XXXX.
So Caliber you need to work with XXXX and return my home back to me as it still sits empty since XX/XX/XXXX. If you thouht you had clear Title, the home would have been sold. But since I AM LEGALLY IN TITLE THe home Can't be sold.. Want to negotiate?
|
| 01/21/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
We asked Caliber Home Loans to change our auto pay from bi-weekly to monthly, We were current on our loan. They agreed and sent us a letter stating our next payment would be withdrawn on XX/XX/XXXX. It was not withdrawn. We called 2x, telling them it was not withdrawing. They assured us that we would not be charged a late fee. They did not attempt to fix the problem. When we called next and found out they had not even attempted to fix the problem, we asked to speak to a manager and were told they would call us back by the XXXX of XXXX. They did not, and they charged us a late fee. We called on the XXXX, spoke to XXXX, who reversed the late fee, and tried to connect us to a manger, but said they would call us back the same day. They did not. Today, the XXXX, we made a payment through the web portal, because I am sure they would be reporting us to the credit agencies soon. Caliber Home loans need to fix this problem.
|
| 07/24/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
The borrower entered a Home Affordable Modification Agreement with XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. The mortgage loan servicer changed from XXXX XXXX XXXX to Caliber Home Loans on XX/XX/XXXX. The borrower was not aware of the transfer and continued to make timely payments directly to the prior servicer until XX/XX/XXXX. The payments were subsequently credited to the borrower 's account but the monthly mortgage statement includes a {$680.00} fee. It also states that the borrower paid another {$810.00} year to date in other fees. The borrower and I called Caliber on XX/XX/XXXX to determine why the fees are being charged. The Caliber representative stated that she did not know and she would send the borrower a detailed report explaining the fees. We have not yet received the report and the fees are still appearing on the borrower 's monthly mortgage statement and there has been no credit for fees already paid.
|
| 09/19/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I believe I have been charged in some cases for estimates, or estimates for future services. There are also excessive fees have been, and continue to be charged to my account, such as property inspection fee, charged when no services have been performed, or charged less than 45 days apart, when property inspection reports, home is occupied and in good shape.
Please accept this letter under RESPA and/or TILA.
Please provide the following information regarding the above referenced loan : Please provide a complete, itemized list of fees, charged to my account, with dates of services performed. I also need all invoices, for fees paid, for services performed, and fees owed. Please specify if any fees are estimates, or estimates for future services. Please fix and adjust all errors, on my account.
Thank you for your cooperation as we do n't want to lose our home and this information will help us to save our home.
|
| 11/06/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I am trying to get my PMI dropped off my mortgage. I have paid over 22 % of my principle off. I have requested a BPO appraisal. I sent Caliber Home Loans a check for {$100.00} to go the appraisal. They said they tried to contact me but I did not get a phone call. I did get a phone call on XX/XX/XXXX. The phone call said SPAM ALERT and no message was given. I also got a phone call from XXXX XXXX ( I believe XXXX XXXX bought the loan ) on XX/XX/XXXX. XXXX XXXX said they would do the appraisal. Then the appraisal was cancelled. XXXX XXXX told me to call Caliber. I called Caliber and they told me that XXXX XXXX should not have called me and that they would do the appraisal. They told me that the appraisal would be done by XX/XX/XXXX. I called today XX/XX/XXXX Caliber said they are refunding my {$100.00} check and I can reapply. This whole process has taken at least 3 months and now I have to start over. I need help.
|
| 09/15/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
THIS IS NOT A DUPLICATE COMPLAINT TO XXXX. I c.c., the CFPB, in efforts Caliber Home Loan, be held accountable, and to document on record, illegal the and unjust activities that exist to date. There are payment errors, escrow errors, fee errors, servicing errors, payoff errors, and foreclosure errors, that need to be addressed.
I also requested, a complete servicing file, a copy XX/XX/XXXX and XX/XX/2015 mortgage statements. A itemized reinstatement, and for all errors to be fixed on account. I am also attached some additional, inquires, and notices that I have sent to Caliber, that have yet to be addressed or acknowledged, I will also be fowarding them to additional, state and federal agencies.
Caliber continuously refuses, to properly address loan, lie, blatantly ignore, and disregard, multiple state and federal laws. There are many issues that continue to date, in which additional complaints will follow.
|
| 06/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I 've sent three notices this year regarding my mortgage account being reported inaccurately to all XXXX of the major credit bureaus.
Specifically, XX/XX/XXXX mortgage payment was made processed on XXXX/XXXX/XXXX yet it is being reported incorrectly as 90 days late.
Also, my XX/XX/XXXX payment was made late only because the Caliber website had the monthly payment listed as {$1600.00} which was n't the case. I 've called and spoken to Customer Service Department representatives on multiple occasions who confirmed that the online account information was incorrect and therefore the less than full payment was n't an error on my part.
On XXXX XXXX I spoke to XXXX ( ID # XXXX ) from the Customer Service Department who agreed and confirmed with his supervisor that both XX/XX/XXXX and XX/XX/XXXX payments were being reported incorrectly. The confirmation number I was provided for this particular conversation is XXXX.
|
| 12/28/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
My husband was diagnosed with XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX after a check up at XXXX XXXX XXXX XXXX XXXX in XXXX, AZ XXXX. He was laid off of his job and stayed XX/XX/XXXX and XX/XX/XXXX in AZ receiving daily XXXX XXXX. He was able to draw unemployment and I am very secure in my job but it was n't enough to cover the truck payment or mortgage. We started a process with Caliber Home Loans for assistance and asked for a loan modification or extension, this went on for 3-4 months with the final result being that they were unable to help us. So it was n't that we were not paying our bills we were unable to pay them and asked for help with no good result in the end. We are not dead beats I have had my job for 8 years and he had no choice with the XXXX XXXX. Caliber Homes told us they would help us since we filed tons of paperwork with them that it would not effect our credit but obviously that was n't true.
|
| 12/07/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
I filed for Chapter XXXX Bankruptcy in XXXX. In the Bankruptcy my home loan mortgage with XXXX was included. This debt was discharged in late XXXX. In XXXX the loan that was discharged in my Bankruptcy in XXXX was sold to Caliber Home Loans. Caliber Home Loans began reporting late payments on my credit report in XXXX and throughout XXXX. I contacted Caliber Home Loans and asked them to stop reporting late payments on my credit reports. I supplied proof of the Bankruptcy discharge to Caliber Home Loans and their attorney, XXXX XXXX XXXX. I explained that I never entered into any loan contract with Caliber Home Loans. They refused to remove the negative information from my credit reports. The loan shows on my credit report as closed. I would like to have Caliber Home Loans entire report to the XXXX credit bureau 's removed from my files as the reporting of late payments has affected my credit score for 2 years.
|
| 01/13/2022 |
Yes |
|
|
|
Web |
|
|
I am a XXXX XXXX XXXX teacher and have been in the process to purchase a home since early XXXX. I was cleared to close Monday XX/XX/XXXX with caliber home loans. While I was at the closing table the lender found out that I just went on XXXX leave and wants to deny my loan. I have had multiple letters written by my supervisor and human resources stating my pay and that I will be paid at 100 % during my leave. I feel as if everything was fine I was at the closing table and as soon as they found out I had a baby they wanted more documents and pay stubs. I send in the documents and it doesn't seem to be enough. I am now waiting until I am paid again on XX/XX/XXXX to hopefully close then. My lease it up XX/XX/XXXX. So I will now have to move in 1 day with a XXXX week old XXXX XXXX. I feel as if I am being punished for having a child and I am experiencing a lot of stress making sure we will have a home next month.
|
| 09/28/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I sent request for information, about payment, to Caliber Home Loan, and their lawyer XXXX and XXXX. I did not receive an acknowledgment of receipt as required by RESPA, furthermore they failed to respond within the required 30 days. I am attaching in .pdf format, A ) original request, B ) notice of 5 day RESPA violation, asking for explanation, C ) notice of 30 day failure to respond, in which, I ask for information requested be sent, without delay.
I know for a fact Caliber received notice 's because they uploaded the original request in documentation as part of a response in complaint # XXXX to the CFPB, on XXXX/XXXX/16.
Caliber Home Loans, continued arrogance, and blatant violation of rules, set forth by agencies of the US government are disturbing, troublesome, they should IMMEDIATELY, brought to the attention of regulators, and appropriate action should be taken, at once.
.pdf # XXXX # XXXX # XXXX
|
| 05/06/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Caliber Home Mortgage will not rewind to loan modification request and also paperwork that was turned in on XX/XX/2018 and again on XX/XX/XXXX. They have refused our calls and payments. We had a XXXX loan and they advised us to terminate the fist contractor because he abandoned the job. He filed a lawsuit against me and the bank. I retained a lawyer @ {$10000.00} in cost to me, at which time Caliber refused any of our calls or payments. They have sent us foreclosure paperwork. I have no where to go and only want to back payments to be placed in the back of the loan. Also I as told that they received XXXX XXXX in TARP and only used XXXX XXXX. They have not tried to help us at all. Nor take responsibility for th contractors lawsuit causing us to retain a lawyer which I no longer can afford. The past few years, this hardship has cause a separation, XXXX, leav f absence from work. Can you help us keep the house
|
| 06/03/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
On XX/XX/XXXX, talking with company customer service, I finish my business an they ask if I want to talk to " Re-Fi ''. I say yes to find out the rate. He quotes me 6.1 %, I say no thanks and hangup. ( I have a current 3.5 % mortgage with the same company. On XX/XX/XXXX, I get a Docusign in my email for a refinance of my mortgage!
I call numerous times to numerous peoeple at Caliber Home loan to determine what this is ( see attached ). ( over 6 ca unanswered calls, and numerous people playing games to divert the conversation. Having looked over this form, Iwil state that at no time did I " withdraw the account ''. I saw niothing to that effect and never signed anything.
I have a concern about Caliber will now handle my existing mortgage, and if there was criminal or illegal activity by Caliber. An attorney has already been conferred with. I am awaiting your decision ( see further nites and attachment ).
|
| 09/28/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I sent request for information, about XXXX, to Caliber Home Loan, and their lawyer XXXX and XXXX. I did not receive an acknowledgment of receipt as required by RESPA, furthermore they failed to respond within the required 30 days. I am attaching in .pdf format, A ) original request, B ) notice of 5 day RESPA violation, asking for explanation, C ) notice of 30 day failure to respond, in which, I ask for information requested be sent, without delay.
I know for a fact Caliber received notice 's because they uploaded the original request in documentation as part of a response in complaint # XXXX to the CFPB, on XXXX/XXXX/16.
Caliber Home Loans, continued arrogance, and blatant violation of rules, set forth by agencies of the US government are disturbing, troublesome, they should IMMEDIATELY, brought to the attention of regulators, and appropriate action should be taken, at once.
.pdf # XXXX # XXXX # XXXX
|
| 01/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Issue # 1 : Mortgage payment for {$1500.00} mailed on XXXX XXXX.
Check reported not received by lender on XXXX XXXX.
Funds were wired to replace lost check. While confirming wire had been done with lender I asked them to verify one more time the check was not there. They found the check after the funds had been wired. At that point I placed a stop payment on the check.
I was not charged any fees by my bank. I was told by customer service that there would be no charge and that the supervisor would call me back.
That did not happen.
I received my new mortgage statement for XXXX and there was a {$25.00} returned check fee, but no returned check.
I called XX/XX/XXXX and once again I was told the supervisor would call me back within 24-72 hrs.
Issue # 2 : In XXXX of XXXX, I was charged a fax fee of {$5.00} for considering a refinance.
Thank you in Advance for any help you can give me. Please advise.
|
| 01/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
They continue to not correctly apply the extra principal payments correctly and they continue to use the incorrect dates which are both to their advantage.
They keep applying the extra principal payments to the next months payment instead of the principal.
They dont have a clue as to what they are doing.
1. Site non functional for months 2. Could not register 3. Then when could register it would take days to get a logon code 4. Then when was able to logon, could not connect the loan. The site kept saying data not found 5. Then when was able to link the account. When click the loan information button the site asks you to logon again in a loop.
Now they still continue to not correctly apply the extra principal payments and they continue to use the incorrect dates which are both to their advantage.
They keep applying the extra principal payments to the next months payment instead of the principal.
|
| 09/17/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Got a home loan from caliber. After 3 months the note was sold to XXXX. Caliber sent notice of sale an to no longer send payments to them. The other bank never had it set up. Learnt after many attempts to make a payment that the paperwork was not submitted in time so they did n't except it. Caliber has closed the account an will not take a payment. It has been 4 months an worried of forclosure. Caliber will not discuss anything saying the account was sold. This dispute over someone not getting the paper work done is gon na cost us the house. We have made many attempts to resolve this with certified letters an having an attorney send both company 's letters with no luck. They should not be able to do this to people an get away with it. There should be a law to protect the home ower. Average people do n't have deep pockets to keep paying lawyers to fight for something that 's the mortgage company 's fault!
|
| 04/28/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
The home loan was transferred from XXXX to Caliber Home loans in XXXX XXXX. In XXXX XXXX, XXXX Caliber Home Loans filed a motion to cancel the foreclosure on my XXXX real property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX loan number XXXX. I made application for a loan modification. Despite the servicers motion to cancel the foreclosure sale the foreclosure sale was held by surprise. I have attempted to save my primary residence for my XXXX children. I have been told I have to vacate the house now. When I asked about relocation assistance monies and a move out date I was not given an answer. There is a pending appeal and pending eviction. The appeal attorney name is XXXX XXXX XXXX XXXXXXXXXXXX The eviction attorney name is XXXX XXXX XXXX XXXX. My first request is to follow up with the loan modification. My second request is to be given a XXXX XXXX, XXXX move out date with relocation assistance.
|
| 12/04/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Spoke with Caliber Home Loans to get and update on the mortgage modification request spoke, with XXXX XXXX customer service who advised that a FHA HAMP modification has been approved for XXXX trial payments. XXXX, XXXX, and XXXX in the amount of {$1000.00}. I asked XXXX for the break down of the payments XXXX advised interest rate 5.25 % principle & interest {$700.00} Escrows ( tax, insurance, PMI {$380.00}. XXXX stated the mortgage payments were only behind {$4900.00} the escrow is XXXX, PMI is {$1200.00} for XXXX, XXXX, XXXX and XXXX XXXX stated a partial claim was filed for the delinquent mortgage payments Caliber notes in their system states PMI claim in amount of {$51000.00}. Why is a claim being filed in the amount of {$5100.00} against the PMI insurance when we are only delinquent in the amount of {$4900.00}. They have increased our PMI insurance in the modified mortgage payment. Please Help!!!!
|
| 12/17/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Caliber Home Loans paid property tax that had already been paid. They deducted the funds from my escrow account during a refinance. For 2 months now, I have been making phone calls in an attempt to resolve the matter. A couple of weeks ago Caliber denied receiving a refund check from the county. Caliber recanted when I provided the check number, the amount, and a statement from the county stating the check was cashed. Caliber now admits they owe me the money, however multiple phone calls have resulted in no specific date I will be sent a check. I spoke to a very rude supervisor named XXXX today. He claims he will call me back with a date, however past promises of a phone call by Caliber have resulted in no call back. I believe it is horrible to take a veteran 's money and hold it during this time of the year when many purchases are made. It is a slap in the face to all current and past service members.
|
| 08/07/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
My Home Loan is with Caliber Homes and it is listed under XXXX XXXX estate. I had to file bankruptcy because I was under financial strain because of everything in the home needed fixing and I am on a fixed income. Caliber had given me a loan modification during the time I filed bankruptcy. My bankruptcy attorney had to get a document signed by the court accepting the loan modification and it took him 2 years to do this. Once the paper was signed the attorney stated that the mortgage company did not want to work with me any longer and the company wanted to file a stay. Next, the mortgage company stated that the would do a new modification including all the areas. Now I am submitting papers for the 3rd time starting all over again. The company is asking for documents that they already had in the system. I am having a hard time with this mortgage company and I am getting of trying to fight for this home.
|
| 09/19/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XXXX XXXX, XXXX, I received a late notice from my XXXX indicating my account was past due and a late fee had been accessed. I contacted my servicer and informed them the dues needed to be paid, they indicated, they would research the problem. I have had a history of this servicer misapplying my escrow payments, paying them late, and in this instance not paying them at all. Be advised there are sufficient fund in my escrow account to cover said dues ( I also made extra payments to my XXXX account to cover the ongoing payment issues ). I was informed to the mortgage servicer payments to my XXXX account are paid in arrears. So my XXXX mortgage payment should have covered my XXXX XXXX dues ( The late notice is for XXXX, but that is because, I made an extra payment in XXXX to cover the XXXX dues ). I have had so many issues with Caliber Home Loans, I fear they just wont do the right thing. Please help.
|
| 04/26/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I filed a home modification with Caliber Home loans XXXX XXXX due to falling behind on my mortgage. I filled out the paperwork and submitted by email and fax. Several days later I call and they ca n't locate the paperwork, next time I call they have all the paperwork and the modification dept was going to review. I receive a letter stating I needed to send more information and I email the information and receive another letter not enough information- this has been ongoing for a year now. Same story they received the requested documents and then I receive a letter that they need more. I hired a lawyer and he has had the same issue with this company. Meanwhile they tell me not to send a payment because I 'm going through modification and I 'm behind. Now 8mos into this ongoing issue I am going to be faced with foreclosure because their departments mysteriously lose documents after I keep resubmitting.
|
| 01/31/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
My home loan was with XXXX, then XX/XX/2016 sold to Caliber Home Loans, then yesterday I received mail that it was sold to XXXX. I am so confused and feeling a little uneasy. I never authorized any of this and afraid of identity theft, forced foreclosures, and scams. I am not trying to sell or foreclose on my home. I need to under what is going on. Everything I have XXXX states to be cautious. It is hard for me to get a " Live '' rep on the phone with Caliber Home Loans and talk during work hours. I am frustrated and need to know how to secure my mortgage with 1 legitimate lender to avoid this situation. I would also like to know if there are any class action litigations going on concerning any of these entities for these types of business transactions involving home owners. I feel that they are trying to take our homes. Please give me some advice in the simplest of terms. I greatly appreciate it.
|
| 01/04/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I believe my home was paid off after XXXX XXXX when ny husband died. No more statements and a broker search found no open mortgages. 2 /3 years later Get statements from Caliber Home Loans, never heard of them and XXXX XXXX served with papers for foreclosure. I wrote NYS DFS and contacted Caliber and Caliber did not have me on for any foreclosure bur I was getting papers from XXXX For XXXX. The week of XXXX my former attorney ( friend in community ) emails me Notice of Sale docs filed with no date but I had a XXXX done Title Analysis which suggests Fraud and said I have case and neither Caliber or XXXX or XXXX are listed anywhere. It lists XXXX XXXX XXXX which is paid off satisfied. It also states {$120000.00} from a closing in XXXX that we were told was an error and looks like it was filed and attached to our refinance. I need to halt court actions while we can prove false, fraudulent documents.
|
| 02/15/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I became XXXX unable to make the full amount of my mortgage payment ton XXXX I was not assisted with any loss mitigation application.The mortgage went into foreclosure XX/XX/XXXX. The attorney said, I was served a Notice of Foreclosure Intervention. I was not severed a notice. I applied for a short sale and sent all requested information. I was not denied or accepted. The mortgage was sold while in the process of evaluation for the short sale. The mortgage was brought on XX/XX/XXXX by Caliber Homes as server XXXX as owner. They failed to assist me with a loss mitigation program until XX/XX/XXXX when the mortgage went into final foreclosure. Now they have added {$9000.00} in interest {$45000.00} in attorney 's fees to total {$250000.00}. They want me to pay that as a loss mitigation. I know I am unable to qualify for this loan. The Judge have approved these figures. I have until XX/XX/XXXX to pay.
|
| 11/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I am trying to sell some of my real estate that has a loan through Caliber Loans. The title company has found an issue with the legal on the open mortgage. I am needing to get the legal description issue resolved so I can sell a portion of the property. Myself and the title company has sent the needed information to clear up the issue but the lender has not fixed the issue in 5 months.
We filed a complaint with CFPB on XX/XX/XXXX. The company responded but still had the legal incorrect. To begin with they had my home loan against tract 2 which I no longer own. It is supposed to be against tract A and B, which is the tract my house and shop sit on. After contacting them about this problem they tried to correct it by putting the loan against tract 1 which is still incorrect. The loan is supposed to be against tract A and B NOT tract 1 and 2. I have attached the legal documents to further explain.
|
| 03/06/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
While working with Caliber Home Loans for my mortgage servicing, they tend to lack transparency.
When a change is made to your recurring mortgage payment amount your existing payment is cancelled without notification. There is no email or message that you need to pay the existing payment and that they have cancelled it ( I even reached out via email and received no response ). Eventually you get a call from a debt collector asking you to pay and you get charged a {$3.00} fee for a one-time payment.
There is also a {$27.00} fee for being late, but you are not notified about this charge as it is rolled into the one time payment.
They are currently refunding my {$27.00}, but my concern is that unaware users are getting charged late fees with no notification or transparency. Cancelling your existing payment without notification and then charging a late fee is a very concerning business model.
|
| 09/25/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Please explain, in detail as the reason account number, XXXX ( current Caliber account number ) was listed on " Notice Of Sale Of Ownership Of Mortgage Loan '', " date of ownership being transferred, XXXX XXXX, 2015 '', with servicer listed as XXXX XXXX XXXX. Why was I instructed to pay, account number XXXX, to XXXX XXXX XXXX, through XXXX 2015, when attached, .pdf documentation, clearly states, account number, XXXX?
What date, did your company acquire my account? What date did your company start servicing my account? Does your company act as the servicer, and Master servicer? Please provide to me the name ( s ), mailing address, and actual on site address, of servicer, and Master servicer, please.
Also, please provide details, as to whom ordered BPO, dated XXXX/XXXX/2015.
Thank you for your cooperation as we do n't want to lose our home and this information will help us to save our home.
|
| 07/07/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I filed for bankruptcy in XXXX of 2014. My case was discharged by the courts in XXXX of 2014. My mortgage company Caliber Home Loans refuses to lift the hold on my account stating that they never received an " abandonment of property '' document. This is issued before the case is discharged by the trustee but once the case is discharged that paper means nothing.They will not send me statements or allow me any internet access to my account. I have never missed a payment. They charge me XXXX dollars to make a payment on the phone so I have been paying via bill pay at my bank. I dont know if my escrow is being paid or my insurance. The amount of my payments changed and I was never notified. There is mony in an account of unapplied funds that they wont apply it to my account. I feel like they are trying to make me default on my loan which they bought from my original mortgage company. Help please!!
|
| 09/28/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I sent request for information, to Caliber Home Loan, and their lawyer XXXX and XXXX. I did not receive an acknowledgment of receipt as required by RESPA, furthermore they failed to respond within the required 30 days. I am attaching in .pdf format, A ) original request, B ) notice of 5 day RESPA violation, asking for explanation, C ) notice of 30 day failure to respond, in which, I ask for information requested be sent, without delay.
I know for a fact Caliber received notice 's because they uploaded the original request in documentation as part of a response in complaint # XXXX to the CFPB, on XXXX/XXXX/16.
Caliber Home Loans, continued arrogance, and blatant violation of rules, set forth by agencies of the US government are disturbing, troublesome, they should IMEDIATLY, brought to the attention of regulators, and appropriate action should be taken, at once.
.pdf # XXXX # XXXX # XXXX
|
| 06/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My loan number is XXXX and caliber home loan has not posted my XX/XX/2023 payment as of XX/XX/XXXX and Caliber Home loans is on track to ruining all XXXX of my consumer credit reports. I am in the XXXX program and the XXXX department at Caliber home loans is processing payments 40 days behind. In the meantime Caliber home loans has not shared this information about the 40 day processing time with the credit reporting department within the CALIBER HOME LOAN institution. my XXXX payment is missing As a result. The XXXX department XXXX caliber home loans reports inaccurately to all XXXX credit report bureaus that I have not paid. I know it takes 40 days to process XXXX payments but it takes XXXX minutes to tell the XXXX XXXX department about the 40 days needed when caliber is processing XXXX payments, thereby halting the processing of the inaccurate reporting that in returns ruins my credit.
|
| 10/29/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Caliber is my mortgage company for my primary and only residence. Last year and this year, the mortgage company did not pay my property taxes ( although they are impounded into escrow per our contract ).
Last year, after discovering my property tax bill was in default, I contacted Caliber who eventually paid the default bill. Caliber responded by raising my monthly payment and forcing me to pay $ 500+ in late propert taxes. This year I discovered my property tax bill was once again in default. Despite me paying my mortgage on time, Caliber has not paid the taxes or responded to my many request. I am in great fear they ( Caliber ) may not pay the default tax bill or raise my mortgage once again despite the valuation and tax rate remaining the same and a fixed FHA loan. I can not afford for my mortgage to be raised again.
I believe Caliber is committing fraud. Please help my family and I.
|
| 08/17/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
My Equity Loan was originally w/XXXX XXXX XXXXXXXX which they eventually sold my load to Caliber Home Loans. XXXX XXXX XXXX had made many, many, many inconsistencies w/my loan before they sold it & Caliber Home Loans continued to make many more inconsistencies & even made demands that I pay {$2200.00} immediately or they would foreclose on my home. I have always paid my Loan payments on time w/XXXX & Caliber & I always tried to ask both Banks many, many, many times for answers as to why they always charge me late fees, extra interest, Lawyer fees, other fees & also why are my monthly payments increasingly larger. You will see in the documents that I have sent that they have been unrealistic & make no attempts to rectify these issues. I tried in vain many times to talk w/these people at Caliber Home Loans & nobody has ever given me an answer or any help at all. They always turned me away.
|
| 11/23/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
I was served with a foreclosure complaint on XXXX XXXX, 2014. The alleged plaintiff is XXXX as Trustee for XXXX Master Participation Trust. However, the actual entity is XXXX TRUSTEE. This entity was created in XXXX, XXXX with an address of XXXX XXXX XXXX XXXX, XXXX. This is the same address for CALIBER HOME LOANS, XXXX MASTER PARTICIPATION TRUST, VERICREST FINANCIAL. Caliber Home Loans, the alleged mortgage servicer, is the real party who is executing this foreclosure. It appears that CALIBER has been foreclosing on many properties over the last few years using their bogus entity XXXX TRUSTEE. They alter the name to XXXX as Trustee. I contacted XXXX and they readily admit they have nothing to do with the foreclosure. XXXX says CALIBER Home loans is doing the foreclosing. I am sharing my research with all agencies, DOJ/FBI, XXXX Atty general, US ATTY GENERAL, XXXX ATTY GENERAL, and more.
|
| 03/04/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
Completed loss mitigation form with Company completed process/documents notarized all require documents. The company had approved modification, but because The notarized documents sent a day or 2 late, they turn around and said they didnt receive doucments on time and 1 document missing a check box on form 4506-T and another page not notarized. We took all documents to a notary and assumed all were notarized. My husband is a Vetern and suffering some health issues as well as myself to put us financial back. We are willing to get back on track and not lose the house. I feel that many times documents cross and also many times did not actually received mail documentation, and had to rely on email with company. All the company is nice overall, they almost set us up for failure. If the only issue was a document why not allow the time to get it to them, as we did via email/faxes. Please help
|
| 07/22/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Been trying to get a mortgage modification for several years since XXXX. Went to court and case was dismissed been working with legally aid society from XXXX XXXX and XXXX XXXX XXXX XXXX. I always submit my document on time and now the responses I received for denial is that my credit report is blocked. A credit report cant be blocked, but security freeze and Sent proof that my credit report does not have any security freeze from all 3 credit bureaus. Also requested for them to tell me what credit bureaus they are trying to pull from so I can resolve the issue and they do not give me a response.I have been sending proofs and this XX/XX/XXXX resubmitted another loan modification packet with all requested documents and they denied me again in XXXX saying my credit report couldn't be pulled due to it was blocked. This has been going on for several months and its getting very aggravating.
|
| 11/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I got this : Mortgage Relief Program Dear XXXX XXXX, For your application XXXX, a payment of {$66000.00} has been sent to and applied to your loan by your servicer. Thank you for applying to the California Mortgage Relief Program.
To review your application, you can log in to the Intake Portal here : Intake Portal. If you have additional questions, you can email California Mortgage Relief Program through the Message section in the Intake Portal.
Regards, The California Mortgage Relief Program Team After I got this I thought my next payment would be XXXX. But it is XXXX. I noticed my payment went up without any explanation. I try to call but they are closed on weekends and right now I am on a XXXX minute hold during my lunch again. They close early and I can not reach them during the day. There is no email just a phone number and address.
I am unable to speak to Caliber Home Loans
|
| 08/24/2022 |
Yes |
|
|
|
Web |
|
|
I found out after closing that Caliber included a parcel of land on the XXXX work that was not part of the loan. The loan was a refi of my house which is on a XXXX acre parcel and that is all that was appraised and included in the refi. However, another XXXX acre parcel that i own was mistakenly included in the title work so, it is showing on title search that Caliber has a lien on it as well. I have been trying to get this fixed for almost 2 months. The loan originator, title company and Caliber admit it was an error and have been provided with corrected title work but, still have not filed the correction with my county. This is preventing me from moving forward on a project on my XXXX acre parcel. Every time i call, i am told it has been escalated but, nothing has been done. I was told last week that it would be resolved today but, when I called, i was told it was still in review!
|
| 09/30/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
We applied for and received a Trial Period Plan toward a modification from Caliber Home Loans.
The first payment was applied on XX/XX/2016 to the 'Transaction Activity ' on the XX/XX/XXXX statement.
The second payment was applied on XX/XX/2016 to the 'Transaction Activity ' on the XX/XX/XXXX statement, and then removed the same day.
In a letter dated XX/XX/2016, our check was returned.
We sent a replacement check with a letter on XX/XX/2016 outlining the fact that this check was intended as the second payment on the Trial Period, and requesting this payment be posted XX/XX/2016, the original date it was received.
Caliber again returned our payment, along with the same form letter.
Our XX/XX/XXXX payment was received today, XX/XX/XXXX, and we are concerned that Caliber may deny our modification on the basis of late or missing payments.
All payments were sent by Certified Mail.
|
| 07/14/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
My true and lawful Attorney-in-Fact XXXX ( hereinafter " XXXX '' ) contacted CALIBER HOME LOANS, INC., and spoke to XXXX, SUPERVISOR, TELLER ID. NO. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX on Tuesday, XXXX XXXX, 2016. XXXX promised XXXX that SHE will contact XXXX on Wednesday, XXXX XXXX, 2016. SHE never called. Shane on HER. When XXXX did contact CALIBER HOME LOANS, INC., to follow-up with XXXX, XXXX, CUSTOMER SERVICE AGENT, TELLER ID. NO. XXXX, and XXXX, CUSTOMER SERVICE AGENT, TELLER ID. NO. XXXX gave XXXX the run around and the worst part of it all is XXXX not only refused to have a SUPERVISOR come on the line when XXXX requested for it, but she put XXXX on hold for over 40 minutes, never coming back on the line once to check in with XXXX within that 40 minutes, and then XXXX had the audacity to hang up the phone after keeping FTLC holding for a SUPERVISOR for over 40 minutes.
|
| 02/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XX/XX/XXXX we paid XXXX to cover XXXX 's mortgage, and escrow account in order to close the escrow account. The customer service told us will not be charged XXXX. Our surprise was XX/XX/XXXX an amount of {$2000.00} was automatically withdrawn with contradicts what was promised. Caliber 's representatives are inconstant in their answers. Some said will mail the check in XXXX business days. Another said that will be waived the following month. other said will be credited to next month. Last two weeks I called and gave my number to talk to the available supervisor and I was told supervisor 's will call in 24 hours. Since XX/XX/XXXX we call since then not answer from Supervisors and today another call they said the supervisor is in another call once finishes will call. there is misinformation towards us. As off today we will report this to XXXX XXXX XXXX to report this awkward moment.
|
| 12/14/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
On XXXX XXXX, 2016 I called my mortgage service provider ( Caliber Home Loans ) to inquire about the removal of PMI from my home loan. I was told by the Caliber rep that it could not be removed until 2 years of mortgage payments were made on this existing loan even though my current Loan to Value was less than 80 % of the current home value. After stating to the rep that I thought that this PMI removal requirement was weird, she agreed to send me me out the PMI removal package immediately. After 1 week of waiting, I call back Caliber to determine where my PMI package was at this point. I was told by this other Caliber rep today ( XXXX ) that this PMI removal package would not be mailed out to me until mid-XX/XX/XXXX due to the current overwhelming demand of this same request from other homeowners. At that point in time, I told the rep that I would file a complaint with the CFPB.
|
| 09/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Hello, We have been a home mortgage Customer with Caliber Home Loans for more than an year and recently refinanced with themselves right just before COVID19 Lockdown. During the refinancing, my profile was not changed but somehow they dropped the monthly debiting from my Bank and due to COVID lockdown, we are unable to open the postal mail on time due to quarantine and did not realized payment was late as I was under the impression that they have my Bank information already. I never received any email nor any text message on this late payment and we were so focused on protecting our self from COVID virus. The moment we got to know, we paid all pending payment but they reported 1 day late payment to all 3 credit agencies which hit my credit score heavily which is adding mental stress on top of all COVID lockdown, pandemic related health concerns and managing family to stay safe.
|
| 05/19/2016 |
Yes |
|
- Settlement process and costs
|
|
Web |
Older American |
|
Dear CFPB, This is another of a long lists of complaints that I have written to you. Your last response was that, since I had procured legal assistance, you would wait until the process was complete and wanted to hear the results.
I am getting ripped off. My Attorney, XXXX XXXX, seems to have no argumentative strength.
Caliber Home Loans, who purchased a fraudulent mortgage against my home from XXXX, is attempting to force that my name be kept on the fraudulent mortgage. I have been fighting against this and communicating about it for eight years and nothing has happened.
I have to request that you come into this fray.
My husband stole {$600000.00} from me, he says because of a XXXX, and I am trying to keep my home.
I have employed XXXX lawyers, have followed their advice, and here I am eight years later right where I started. Something has got to happen now! Please help!
|
| 05/12/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
I received a delinquent tax bill for an extra parcel of land that was included on our mortgage. It was supposed to be escrowed out of our payment, however it was not. I notified my mortgage company Caliber Home Loans of this in XXXX XXXX and a research request was submitted. I called back in XXXX XXXX after receiving yet another delinquent tax bill. They informed me the research request was still pending from XX/XX/XXXX. I have called back again on XXXX/XXXX/XXXX and today XXXX/XXXX/XXXX and still no action has been taken, according to the representatives with whom I have spoken. I have faxed in 3 Qualified Written Requests with no response from their company. Meanwhile, my delinquent tax bill is accruing more late fees. This is a direct violation of RESPA, as my account is not being escrowed properly and I have notified them on XXXX occasions that this needs to be remedied.
|
| 11/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I received results for dispute # XXXX on XX/XX/XXXX. In that dispute I provided XXXX with clear evidence from the Creditor, Caliber Home Loans, that my XX/XX/XXXX mortgage payment was NOT 30 days late as it was being reported. The payment was made on XX/XX/XXXX which is reflected on the statement they were given. This is clearly not late by 30 days. Despite this evidence, XXXX closed the dispute without fixing their mistake. Caliber Home Loans is aware of this issue but blames XXXX. They state they are NOT reporting my account late for the month in question. This is costing me the ability to get a mortgage and neither company should be allowed to be so negligent with their reporting. Ive now had to submit a new dispute today and wait to see if they will actually correct their mistake in 30 days or if I will not be able to buy a home until XXXX because of their carelessness.
|
| 04/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
On XX/XX/XXXX, Caliber and I signed a XXXX Payment Deferral Agreement. I have followed the agreement 100 % and make all the payments a required.
Caliber keeps misplacing my payments and have asked for more money than the agreement requires, and still after 6 months, they have not brought my account current.
I spoke to XXXX XXXX and open a case against Caliber.
I wanted to refinance my mortgage when rates were around 3.5 %, but was not possible, because my mortgage is still under collection and the requirement is that I have to have XXXX payments done on time. I have made XXXX payments on time plus at least an additional payment to cover a payment they could not find.
My regular payment starting XX/XX/XXXX was {$2600.00}, but Caliber keeps changing the monthly payment.
I can provide the payment history, so that you can see, it is all over the place.
Thanks for the help
|
| 01/15/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Servicemember |
|
I was taken to court for foreclosure by CALIBER HOME LOANS ( CHL ) who claim to be the servicing company for XXXX XXXX and XXXX XXXX XXXX XXXX XXXX as trustee, However the courts found in my favor on three occasions dating from XX/XX/XXXX to XXXX XXXX It is clear the statute of limitations ( SOL ) to collect, foreclose or threaten legal action ; is six years in XXXX XXXX XXXX . Despite the ( SOL ) running out XX/XX/XXXX ( CHL ) continues their attempts to collect the alleged debt, place negative information on my credit report violating the Fair debt Collection Practices Act and threaten legal action by selling/ transferring or assigning the non-preforming debt. to XXXX XXXX XXXX. proving their commitment to unfair and deceptive business practices. see Court documents attached costing me over {$150000.00} in lost rents due their court action and harassment in this matter
|
| 10/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Caliber Home Loans, continues to report outdated, derogatory remarks to my XXXX Credit Bureau, in spite of several disputes regarding inaccuracy. They remarks state " BANKRUPTCY DISMISSED ''. I do not currently have a bankruptcy reporting on any of my credit reports.
I disputed the remarks twice with XXXX Credit Bureau on XXXX and on XX/XX/20. Received a response from XXXX on XXXX and on XX/XX/20 stating " account has been verified ''.
Additionally, Caliber Home Loans FAILED to mark this account as " DISPUTED BY CONSUMER '' upon receiving my dispute within 30 day time frame of dispute.
I also spoke with a Caliber Home Loan representative, XXXX id # XXXX, by phone on XX/XX/20, who stated the account is reporting accurately and that there was nothing they could do.
This inaccurate/derogatory information continues to negatively affect me financially and emotionally.
|
| 04/11/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Recently on my credit report I see a record for " Caliber Home Loans ''. The credit item shows a status of " Derogatory ''. I have called the number XXXX listed on my report for this company. I get a representative who asks my name and when they try to verify my address I explain I have never done business with them. the Rep will hang up on me. I have researched this company name and at one time it was called " Vericrest ''. Four years ago I had a mortgage with Vericrest Financial but sold my home for a profit. This company is reporting a derogatory item on my report when I have never done business with Caliber homes. The Vericrest Mortgage was closed four years ago as a sale. No foreclosure, a sale for profit. Each time I call Caliber as soon as I provide my name they hang up on me. I want this company to remove and stop reporting bogus info about me to the credit bureau.
|
| 03/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I called Caliber Home Loans because it was time for PMI Removal. I spoke with a representative that told me how to fill the form out for an exterior bpo and explained that I have to pay {$100.00} and I do not need to be present and I can be at work. I paid the money of {$100.00} which was cashed on XX/XX/2022. I called back 30days later and another representative told me that it will take 45 days for the process to complete and to be patient. I waited 45 days and sent an email to Caliber home loans in their secured portal. When I explained this and told them that I am coming to them for the third time in good faith and I would like the service that I paid for to be completed. After I sent them this message today, XX/XX/2022, they scrubbed the system and the emails can not be seen. You can see the subject line, but they made everything of our correspondence not accessible.
|
| 01/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American, Servicemember |
|
an error was made on my computer to send my mortgage payment of {$2000.00} to 2001. I was ill and my husband was helping out. this went on for 2 months. no one sent out a letter or called. on the third month I got a call from CALIber stating I was 2 months late on my mortgage with penalties and going into collection of some sort. I argued with them that I know I am over playing to begin with and my mortgage was always paid for even missin {$140.00} I complied and sent in what they asked for and my credit was crushed and the fact that I knew there was more than enough $ in their account. then in XX/XX/XXXX I get a check for XXXX overpayment. I called again to get them to correct this and they would not help me. we have never been late for a payment of any sort in our 40 years married. T0 be treated like we did not know what we are doing and they were right with no appolgy.
|
| 03/26/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I started a review for a modification with Caliber on XXXX/XXXX/2015. I was still in review for the modification on XXXX/XXXX/2015 with all documents that had been requested submitted to them and nothing additional was needed. My authorized XXXX party was informed by an agent at Caliber named XXXX XXXX, that my file was declined with the reason of an upcoming sale date in less than 15 days! They did not allow for a complete review and just closed by review simply because they wanted to foreclosure. This is not a valid reason for denial of a modification review that started in XXXX! Not only that but the representative XXXX stated on a recorded line to my XXXX party that they have pulled that " the client can not do anything at this point besides reinstate the loan and no one can help them. '' Then when he was reminded that this was a recorded line he hung up. PLEASE HELP!
|
| 02/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Older American, Servicemember |
|
I applied for a refinance loan on XX/XX/XXXX Since then my file was returned by the underwriters at least six times for information that should have been identified at the initial review, this caused me to fax data as follows. XX/XX/XXXX, XXXX XXXX The XXXX dates are : XXXX. XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX. XX/XX/XXXX, XX/XX/XXXX, AND, as I'm completing ths I recd a call for more information on data I know previously submitted, The XX/XX/XXXX request was for my permission to obtain a new credit report as the original had EXPIRED. Todays request for additional information on bank statements submitted in early XXXX Another problem is the failure to notify me of personnel moves. As an example : My processor was off duty from XXXX to XX/XX/XXXX without notifying me of her back-up. My loan consultant was replaced, again I was left without a person to call for status.
|
| 01/14/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
Caliber Home Loans failed to pay our annual property taxes for XXXX but all year have been dispersing funds from our escrow account. We received a deliquent tax notice with threats of foreclosure. I provided this information to the Caliber Tax Department via phone and fax on XXXX/XXXX/XXXX. Spoke to supervisor XXXX XXXX who promised to resolve immediately and call me back to update me on the status on XXXX/XXXX/XXXX. It is now XXXX/XXXX/XXXX, I have left 3 message with Supervisor XXXX XXXX with no return phone calls and the Tax Department customer service representatives claim they will have someone call me back but no communication. Currently our escrow account shows that funds have been paid out and the Mortgage Company can not account for nearly {$6000.00} worth of our money paid into the Escrow account but the money is now no longer there but our taxes were not paid.
|
| 04/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I originally filed a complaint with Caliber Home Loans during the PMI removal process. Significant delays from their side created a situation that prevented my possible PMI removal to be delayed. In their response to that complaint, Caliber replied on XX/XX/2022 that due to their significant processing delays, in the event the PMI was subsequently removed, they would go back and refund the PMI taken from XX/XX/2022 up to present. I have attached that specific response to this filing from the previous complaint, as well as, the PMI removal approval letter dated XX/XX/2022 to support the successful PMI removal and my follow-up request for Caliber to follow through with this resolution.
I have contacted Caliber several times to discuss the PMI refunds, but no one has responded, so I'm filing another complaint as this seems to be the only way to get a response. Thank you.
|
| 11/22/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I was in contact with the Department of Veteran Affairs and Caliber Home Loan, and we were working on gathering and reviewing my documents for loss mitigation. During the process, my VA Loan Techician requested a postponement of the current sale date. Caliber did not deny the postponement, but they did continue to collect documentation for review. There were several technical delays with the email addresses and the contacts that they proviced. However, my VA tech was trying to assist by forwarding the information to Caliber as well.
In the middle of collecting my documents, Caliber executed the Foreclosure sale without giving me a chance for review. I feel that they had no intent to review my package as they did not postpone as the VA requested for more time, and they executed the sale while I was under the impression that they were working with me to save my home.
|
| 06/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
After a post covid flex modification, Caliber has not settled my account. I have continued to make my monthly payments that were agreed to in the modification and am seeing now a new random charge of XXXX which is not related to my monthly payment. This is not my monthly payment and I have called in 4 times and been told that I have money in a suspense account that needs to be applied to my an outstanding random balance and to not make payment unless I want to pay a month ahead. Yet, they now have reported me being late on payment to the credit bureau. This is illegal to report me late if it was a result of covid and the modification process! They also indicated that this mess is all because they said they got a new software system when I was coming out of forbearance. I am at my wits end with this company. Please help me get this resolved and fix the credit reporting.
|
| 06/23/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
On XXXX XX/XX/XXXX, I received a " Welcome and Mortgage Disclosures for Loan # XXXX signed and dated for XXXX XX/XX/XXXX by XXXX XXXX, MLS # XXXX from Caliber Home Loans. I immediately called Mr. XXXX to better understand where this document with personal information including my date of birth and social security originated from. Mr. XXXX stated according to CPFB he was authorized to do so. I asked to speak to his immediate supervisor with no avail. Calling back, I was able to speak with Mr. XXXX XXXX MLS # XXXX. I asked who authorized Mr. XXXX to send my personal identification information through the mail. Mr. XXXX stated that Mr. XXXX submitted my personal information without my approval or authorization. This is the first time I have ever heard or seen either of these two gentlemen 's names. I have been a customer of Caliber Home Loans since XX/XX/XXXX time frame.
|
| 08/23/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
My home is under foreclosure and a short sale has been in place since XXXX XXXX, 2015. We are dealing with a negotiator at Caliber Home Loans who changes her mind weekly about accepting or not accepting an offer. We have a XXXX lien which is requesting a specific amount of the loan to be paid towards them. Caliber previously agreed to paying them from the short sale and now is forcing us to use our relocation fees to pay for this XXXX lien.
Meanwhile, another motion has been filed by Caliber to proceed with foreclosure. We can not seem to get this finalized once and for all. Our realtor has done all he can to work with Caliber on a resolution but to no avail.
This process has been more than emotionally draining and frustrating. We are trying to avoid foreclosure and it does n't seem Caliber wants to cooperate and this particular negotiator seems to be the problem.
|
| 11/01/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Caliber Home Loans, Inc., XXXX. XXXX XXXX, XXXX, TX XXXX ( Account Number XXXX ) maintains a suspected practice of receiving home loan payments before the deadline of the XXXX of the month, holding payment several days and posting the payment after the deadline for the purpose of charging inappropriate late fees. I mailed a payment on XX/XX/2016 and Caliber acknowledged that they received the payment prior to the XX/XX/2016 deadline. However, Caliber Home Loans , Inc. did not post the payment until XX/XX/2016. When I complained that they had adequate time to post this payment before the late fee deadline, they defended themselves by claiming an inability to handle their heavy workload. I feel this is an inappropriate business practice that borders on improper. Customers should not be held responsible for the poor processing of payments by this Mortgage Company.
|
| 03/21/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
A credit information consolidator, acting on behalf of my mortgage company, made a number of improper " hard '' credit inquiries in 2016 resulting in subsequent adverse credit decisions including denial of credit or higher interest rates. XXXX inquiry was specifically not approved and during the application process multiple inquiries were made within a 30-day period. I authorized 1 inquiry. I contacted the reporting credit bureaus who referred me to the credit information consolidator. The credit information consolidator refused to remove the unauthorized inquiries because they were acting on behalf of the mortgage lender. I contacted the mortgage lender and they now refuse to remove the credit inquires. I do not dispute that I applied for the loan and authorized a credit inquiry. The dispute is about the number and timing of the other unauthorized inquiries.
|
| 05/28/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
I have been trying to get my mortgage service r to explain to me for 9 months why i owe more money then was agreed to when i modified the mortgage. They have hit me with force-placed insurance multiple times totaling XXXX even after i have shown them time and time again that i have insurance policy with my Home owners association. They keep saying they never got the policy that i sent them. They have also hit with Attorney fees as recent as XX/XX/XXXX. The total i owe them for differed interest is listed on the attachment i am sending you with this complaint. XXXX. This is the agreed terms of the modification. They are claiming i owe them XXXX. In addition to that they want {$2600.00} for the force-placed insurance. Now they have sent me letters that they have sold the mortgage again. I have reason to believe they are doing this to complicate matters further.
|
| 08/15/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Caliber home loans canceled my trial modification, because they said that I did not send in my final payment, or that I may have sent it to the regular payment address. I sent the final payment to the same address I had sent my previous payments. They had failed to process a previous trial payment, until I called, complaint & and made a payment over the phone w an agent.The following month, the month of the final payment mentioned above, they again, did not process the payment & said it was not received. I have appealed the trial modification cancellation, and even resubmitted a modification package. However, I have received no reply, no reply to my request for an appeal - Caliber went on to immediately transfer my account to an attorney for foreclosure and immediately gave me a sale date. They also failed to properly and timely advise me of the sale date.
|
| 11/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
Can not verify payment was received & applied.
Caliber Home Loans closed access to their payment portal from XX/XX/XXXX to XX/XX/XXXX for maintenance. As my payment was due XXXX, I set up an ACH transfer early ; i.e. for XX/XX/XXXX. It is now XXXX & it site is still not working & I have not received any confirmation of payment. I can log into the site, but it requires me to " Link my loan ''. When I enter the required information it just keeps prompting for the info I just entered.
Calling Customer Support involves a labyrinth of automated menus before finally being told to wait for the next representative. After 20 minutes of listing to " Your call is important to us, please stay on the line '' every 15 seconds .... a form of torture, designed to make people hang up, I did.
Caliber is totally neglecting it Consumer Report responsibilities.
Thank you
|
| 06/13/2017 |
Yes |
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My FHA mortgage was serviced by Caliber starting in XXXX . I was having financial difficulty in XXXX and XXXX of XXXX and called Caliber. I spoke with someone regarding adjusting my payment. After going over financial information I was told that I could break my payments up for the next several months to get back on track. I was told that by doing this I would not damage my credit and not have any other adverse effects. I made payments to them and did get my payments back on track until I refinanced in XXXX . I found out that they did indeed report I was 30 days late to the credit agencies XXXX XXXX AFTER they told me they would not do so. I sent them a letter XXXX telling them I was disputing it and that it should be marked disputed. All they did was send me a copy of my loan agreement. The late payment is still listed on my credit report.
|
| 03/27/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Caliber Home Loans, Acct # XXXX, is a third-party mortgage loan service that is now committing fraud and harassment on the complainant. This company stated that they acquired the servicing rights from XXXX XXXX XXXX. I have put Caliber Home Loans on notice several times disputing the fact that we don't owe anything on a mortgage and we are presently in litigation concerning this matter. I stated to Caliber Home Loans, that we never entered a contract with XXXX XXXX XXXX as well as them. I stated to them that the Note and Mortgage was canceled. See exhibit A.
They now continue to harass me about payments while this case is being litigated for fraud. I now believe that XXXX XXXX XXXX Mortgage, XXXX XXXX XXXX and Caliber Home Loans are now in the mist of promulgating a collusion of fraud and predatory loan schemes to take advantage of us, the Complainants.
|
| 03/23/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Requested assistance on a modification for Making Homes Affordable program due to foreclosure sale date XXXX/XXXX/2016, denied stating documents were not received 15 days prior to sale date, when complete package was submitted to lender same day as third party authorization which was XXXX XXXX, 2016 ( 20 days prior to sale date ), spoke to rep on XXXX XXXX stated on TPA on file. informed rep how do they only upload XXXX document out of many, Sale date approaching fast, rep informed me if complete package send again. Re faxed modification documents again on XXXX/XXXX/2016, rep stated on documents uploaded to Mortgagors system on XX/XX/XXXX, it took 5 days to upload documents submitted for modification. Informed rep that is not acceptable and can not fault client when it was there systems that delayed the process as originally was sent on the XXXX/XXXX/2016
|
| 01/22/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My Wife and I filed chapter XXXX bankruptcy on XX/XX/XXXX. We included our property XXXX XXXX XXXX XXXX XXXX XXXX , Nv XXXX in the chapter XXXX. The bankruptcy discharged on XX/XX/XXXX Approximately XX/XX/XXXX I finalized surrendering the property to XXXX XXXX XXXX, because they wouldn't take it out of my name. I requested my credit reports on XX/XX/XXXX. I found that XXXX XXXX XXXX and Caliber homes loans were both reporting adverse and derogatory late payments to all 3 of my Credit reporting agencies. 2 Died in Lieu 's for the same loan. I disputed the both to lines of negative lines to all 3 Credit Agencies on XX/XX/XXXX & XX/XX/XXXX via phone, electronic & written mail with supporting document. They will not remove either line off my credit report. I can send the full bankruptcy filing upon request ( 72 pgs ). Pertinent docs include on attachment 1.
|
| 03/02/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
After being contacted by Caliber Home Loans in XX/XX/XXXX & XX/XX/XXXX regarding refinancing our existing Caliber 30-year loan, we started the refi process XX/XX/XXXX. We were quoted a 15-year loan, 2.75 %, 0 points, 0 out-of-pocket closing costs. Application & requested docs were provided & {$500.00} was paid for an appraisal. Numerous closing disclosures have been received, none of which had the information we were quoted. A closing was scheduled for XX/XX/XXXX but on XX/XX/XXXX it was postponed by Caliber until the next week. At that point we learned that the property taxes, which were due in XX/XX/XXXX, had not been paid. Therefore, we will not be able to claim them on our XX/XX/XXXX Income Taxes. The closing has not been rescheduled, the 90-day rate lock has expired, and numerous attempts at contacting Caliber have yielded no results or information.
|
| 09/25/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Your company failed to provide a complete response dated XX/XX/2016, to an inquiry that I submitted to your company on XX/XX/2016, regarding owner, seriver, Master servicer, and their addresses. Your company failed to state whom Master servicer is, along with address. You company also failed to provide address of stated servier.
Please provide a complete response.
Additionally I am now also requesting, site address, along with mailing address, of servicer, Master sevicer. Please provide a detailed history, of all servicer ( s ), and Master servicer ( s ), whom have serviced my account, along with dates, of service ( s ).
Attached to this inquiry, is the inquiry from XX/XX/2016, along with response dated XX/XX/2016, in .pdf format.
Thank you for your cooperation as we do n't want to lose our home and this information will help us to save our home.
|
| 07/02/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
In 2004 I took out a home loan with XXXX XXXX for {$310000.00}. It was given a XXXX number : XXXX with XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX and XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX attn. of XXXX XXXX of the XXXX XXXX XXXX XXXX , XXXX and ATTN : XXXX XXXX, CEO. According to XXXX the alleged note was indorsed and transferred to XXXX, XXXX, XXXX, XXXX XXXX, and now CALIBER for servicing. The NOTE was transferred to XXXX XXXX under the US Government HAMP Program. It remains with XXXX XXXX and has not been indorsed over to any other lender. I have requested a copy of the original note from Caliber many times per Section 6 of RESPA and they have failed to provide it. I get the impression that this is all fraud and would like for the CFPB, the Attorney Generals involved, and the FBI to investigate and audit my account as soon as possible.
|
| 06/19/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I sent a letter to Caliber Home Loans disputing the validity of the mortgage debt .I requested proof of payment for the fees Caliber Home Loans charged in escrow.
Caliber Home Loans did not sent any documentation I requested it.
Caliber Home Loans stated that will not produce or provide copies of invoices wherein I paid a fee for my loan.
Caliber Home Loans keep sending fees breakdowns and payment history without any proof of payment!
Caliber Home Loans will not provide copies of receipts and invoices because it is unclear as to how they relate to an error on the loan. Why Caliber Home Loans does not provide proof of fees payments they charge to my Loan? In the criminal world is called stealing.
In addition Caliber Home Loans did not answer any questions i asked regarding the transfer and purchasing of my loan from XXXX to Caliber and new lender.
|
| 02/07/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
Caliber Home Loans has increased my Mother 's monthly mortgage payment by increasing the escrow by {$300.00} though the Home Owners insurance is at a maximum and the Property tax has not increased. This is not legal to my understanding because the escrow only includes funds for mortgage insurance and funds to pay the property tax.
Caliber also never stated what the percentage rate increase would be, after the five years my Mother was supposed to pay {$1100.00}. My Mother has no paper work that indicates what the mortgage payment will be after the modification period ends ; Caliber Home Loans has increased my Mother 's XXXX monthly mortgage payment by increasing the escrow by {$300.00}. The monthly mortgage payment is now {$1400.00}, what will it be after the modification ends?
Caliber home really wants to take possession of my Mother 's home ...
|
| 12/04/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
On or about XX/XX/XXXX we applied for a loan modification. Caliber home loans asked me for a lease for my rental property which I submitted via-email. Caliber has not sent me a approval letter or denial letter explaining the reasons for a denial. They have scheduled a sale date for XX/XX/XXXXwhen I feel based on our income and hardship, we should be able to qualify for a loan modification.
We talked to Caliber Home Loans about a short sale. XXXX XXXX, a non-profit agency was willing to purchase our home. An offer was submitted, but on XX/XX/XXXX, Caliber denied the offer saying it was too low. A higher offer was submitted that was near the appraised value. Caliber did not approve or deny the offer. Additionally, we feel the denial was premature because the they acknowledgment letter was not sent until XX/XX/XXXX, but we were denied on XX/XX/XXXX.
|
| 05/10/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have been working with Caliber Home Loans on a mortgage modification. I had requested a fixed rate mortgage but they gave me an adjustable rate mortgage. I think that their practices are predatory. I want a fixed rate mortgage. They also did not give me enough time to examine the mortgage modification paperwork. I received the paperwork Friday, XXXX XXXX and they required that the documents were received back by them by Wednesday, XXXX XXXX. I had wanted to appeal the modification to get a fixed rate and a more affordable payment but they purposefully did not give me enough time to review the paperwork or to have an attorney review the paperwork. When I called them requesting more time they denied my request and told me that it was " take it or leave it ''. I believe that this is is another one of Caliber Home Loan 's predatory lending practices.
|
| 04/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Caliber home loan has been processing mortgage payments that were sent on time from the DEO of Florida! Caliber Home loans know that these payments are in the building sitting in an understaffed department waiting to be processed. XXXX, XXXX, XXXX and XXXX caliber home loan received my mortgage payment within the allotted timeframes to be deemed on time. I called Caliber Home loans everyday of the week begging them to apply the payment to the account. Caliber Home loans rep explained that they have thousands to go thru but that payment will be applied. Now caliber home loans has ruined my credit and caliber home loans wants me to dispute the mark when all they had to do was protect the consumer from this terrible credit marking. My XXXX payment was in the building on time and now caliber home loans has the nerve to damage my stellar credit rating.
|
| 02/10/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I attempted to pay my mortgage to XXXX XXXX online as I have for years. I could not proceed past an advertising box with a number to refinance my loan. I tried to close it but could not. I tried getting out of the website and going back in but it did not work. The box was still there and would not let me pass. I was being forced to call the refinance number. I do not want to refinance. I tried calling the " customer service '' number on my latest bill. There are no options to reach a human. I paid my bill using " speed pay '', but was not able to tell anyone about my problem. I did an online search for a customer service number but always found only the same number I tried to call or a claim number. NO HUMANS accessible. I also found a lot of comments from desperate people trying to reach a human at XXXX. It seems it can't be done.
|
| 04/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have made 17 consecutive on time payments of {$4500.00} to Caliber Home Mortgage ( Acct # XXXX ) on a 30-year fixed mortgage. However, in XXXX they increased the amount due to make up for an escrow payment for property taxes. I was not aware of the increase and my auto-bill pay sent the same amount. I was notified that I was late in XXXX, but knew I was current. However, I found out I the increase of {$54.00} was the difference in the increased amount that was late. Upon hearing the news I immediately paid the {$54.00} difference, in fact I paid {$190.00}, just to make sure no late fees or accruals would be attached. Then I saw they reported me as 30+ days late on my credit report. I asked them to remove it, but said due the Fair Credit Act, I must request removable by the CFPB and the Agencies. I sent a note to the agencies and to you as well.
|
| 01/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have a mortgage with Caliber Home Loans. I am the only borrower on the loan, and my ex wife is successor in interest. Caliber home loans has been stating that because my ex wife is successor in interest, that she can make the same changes to our mortgage account as I can. For example, on XX/XX/2021 they allowed her to change the homeowners insurance and never even contacted me that it had been changed. Furthermore, on the phone several months ago they indicated they would be reporting her social security number to the IRS on form 1098, even though I am the primary borrower and am liable for the mortgage, and they have been reporting my social security number to the credit bureau. It is my understanding that successor in interest is only allowed to receive copies of documents while the borrower is alive, and Caliber refuses to agree with this.
|
| 04/07/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Requested deferral of my FHA home mortgage due to being placed on greatly reduced hours by my employer. Caliber Home Loans services my FHA mortgage. Their only proposal for a deferral was to defer three months payments but then the entire amount deferred becomes due and payable in the fourth month. Under the CARES Act, I thought the deferral could be longer and the total amount deferred would be added to the end of your mortgage. Many friends are getting this result. XXXX XXXX proposal amounts to a very short term loan which does not help. I will not have that money in three months. I am a XXXX XXXX at a XXXX XXXX that had to basically shut down and have filed for unemployment. My husband is a XXXX XXXX. Our income has been cut significantly with the greatly reduced hours and we need mortgage assistance. We are first time home buyers as well.
|
| 10/08/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
To avoid foreclosure XX/XX/XXXX Caliber Home Loans offered us a loan modification contract in which we had to pay 3 monthly trial payments of a certain amount, on time every month. We made our payments on time and the modification never happened. They sent us another agreement and another and another over the course of a year. When we went to make our payment for XX/XX/XXXX, the person on the phone said that the home had been foreclosed on and sold on XX/XX/XXXX. We had been led to believe that we were making monthly payments and working towards a modification when in reality CaliberHome Loans did what is known as " dual tracking '' and sold our home out from under us with no notification, no monthly statements breaking down our payments, no copies of the contract we signed, and no effort to make the modification we had been promised happen.
|
| 07/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Caliber Home Loans has repeatedly wrongfully assessed a late fee. I send all payments via USPS Priority Mail with signature required. Despite proof of receipt on XX/XX/2020 at XXXX XXXX. Caliber Home Loans sent my account to collections and assessed a late fee on my XX/XX/2020 statement. The receipt date for processing according to Caliber is XXXX on the XXXX.
I have USPS signatures on all payments made to Caliber Home Loans, including 5 others in which Caliber Home Loans has assessed a late fee. I have previously requested from Caliber the ( 1 ) month, year of the alleged late payment, ( 2 ) date the payment was allegedly received by Caliber Home Loans and ( 3 ) date Caliber Home Loans processed the payment. Caliber has never provided the requested information.
I made the request again to Caliber Home Loans in my XX/XX/2020 letter.
I
|
| 08/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I am writing for assistance to determine the legitimacy of the owner and servicer of my mortgage. With whom should I speak to regarding the owner ( s ) and servicer ( s ) of my loan. Currently, the owner is XXXX XXXX XXXX and servicer is Caliber.
In XX/XX/XXXX, Caliber did a modification. After doing so, Caliber changed my FHA Fixed rate mortgage to an Conventional Adjustable one, When I discovered the issue I filed a complaint with Consumer Financial Protection and Caliber was supposed to have corrected the issue.
As of XX/XX/XXXX, the owner will be XXXX XXXX XXXX and servicer is XXXX XXXX XXXX XXXX. In lieu of the fact that fraud is as at an all time high. I am trying to ensure the aforementioned is accurate and the transfer is legitimate.
Please let me know who I should speak with regarding the issues listed. Thank you in advance.
|
| 06/02/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
We were offered a trial plan by Caliber Home Loans and we messed up the date of the last payment and because of that they said we are ineligible, they call it trial plan default. So they sent us a letter saying we could re-apply meaning start the process over again and we had until XXXX XXXX XXXX .
So last weekend Memorial Day Weekend, when we could not talk to anyone until Tues. XXXX XXXX XXXX , we received several letters from XXXX XXXX in XXXX , MA XXXX telling us that our house will be auctioned off for sale on o r after XXXX XXXX XXXX . The phone number for XXXX is XXXX the fax number is XXXX .
In the meantime we met with our HUD Counselor and re submitted all our forms back to Caliber Home Loans to apply for loan modification all over again. I am truly afraid we have no place to go.
|
| 05/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
XXXX XXXX of Caliber Home Loans XXXX XXXX # XXXX ) rushed me through the refi and closing process and missed key information I shared with him around the intent of sale of a one of the lots within my XXXX property. He never assisted in getting the lot released. The sale ultimately fell through and I am now being forced into the partial release process and required to pay processing fees, appraisal fees, etc. XXXX included the lot in the appraisal making it impossible to sell. XXXX is very unprofessional and to my surprise, not very knowledgeable about the mortgage process. He was asking me personal questions around what I would do with the money if he were to get the propery released for me, including saying things like " I better not buy jet skis with the profits '' I've filed a complaint with Caliber but nothing has been done to date.
|
| 06/27/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have been trying to work with Caliber Home Loans to save my home from foreclosure.
I sent a complete modification package to Caliber fax numberXXXX.
The Submission contained all requested documents along with the RMA.
We have submitted at least 10 modification packages and each time we have had to start over.
The hardship that we had is over and we are employed and want to work with Caliber to save our home. Please help us stop this sale date for XX/XX/2018 and save our home.
It sis not that we want to live in our home for free. We are responsible working people and want to save our home. If only we can come into a good working relationship with Caliber Home loans I know that we can bring our loan current and stay current on the payments.
We are reaching out for help and support to get back on track with our mortgage.
Thank You.
|
| 01/30/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I purchased a home a little over a year ago for XXXX and have paid it down to {$41000.00} balance during that time. I requested to have my PMI dropped and i received a letter stating that my current LTV is XXXX percent. And it outlines a series of costly measures that i need to take including an appraisal which costs around XXXX done exclusively by XXXX of their service providers. I got an appraisal to purchase the home just a year ago that surely should suffice. I spoke to someone at Caliber on XXXX/XXXX/17 and although she was pleasant, the only thing she did was quote policy. I told her that the federal guidelines state that at XXXX percent LTV that the PMI must be dropped. I know that they need to protect their investments but mine is not an everyday situation and it think that common sense should at least sometimes outweigh policy.
|
| 04/21/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Caliber offered a permanent modification, it was signed, notarized and sent back on XXXX XXXX, 2016. On or about XXXX XXXX, 2016 the payment was increased by about {$150.00}. When Caliber was questioned about this on XXXX XXXX, 2016, the customer service representative said it was because of an escrow shortage. They also said that an analysis was done in early XXXX, so the analysis was requested and the rep said she would not send it out. She finally relented and said it would be sent out, but to this day the analysis has not been received. It was questioned as to why the shortage was not included in the monthly payment or the balloon payment, the final mod was offered XXXX XXXX, 2016, but when that question was posed, the rep abruptly ended the phone call. Now the payment has been decreased to the original modification monthly payment.
|
| 06/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
We were on COVID forbearance from XX/XX/XXXX till XX/XX/XXXX. After taking from XX/XX/XXXX till XX/XX/XXXX to work out a modification program, what they offered was adding 168 months to our term and lowering the payment less then {$100.00} per month. Since we have to be current with our loan to even ask about removal of PMI ( {$550.00} per month last statement ) we have no options but to start to pay. I called in and spent over a hour trying to talk with someone. It seems to me that Caliber Home Loans is really only interested in helping themselves at this point. I am not asking for a lower rate, but if you put in all the figures into Calibers OWN calculator the payment is {$600.00} per month LOWER with PMI then they are offering us.They even ordered a new valuation of our home and it shows we have over 80 % equity in the property now.
|
| 02/23/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Hi, My mortgage servicer is Caliber Home Loans, Inc., XXXX XXXX.
On XX/XX/XXXX, I have contacted customer service regarding urgent tax matter. I got a notice from my real property taxing authority ( XXXX ) that they intent to issue FIFA due to tax underpayment for XX/XX/XXXX.
My repeated follow-up emails and calls to Caliber Home Loans did not help with resolution. It appears that Caliber Home Loans persistently underpaid and/or under-calculated my tax liabilities without properly notifying me. At this time, I do not know what other actions I can against Caliber Home Loans to force them to do their job. This is not the first time that I have a problem with Caliber. In my view, Caliber Home Loans is totally irresponsible entity that does not perform required duties of mortgage servicer as prescribed by law.
Please assist.
Thank you
|
| 02/29/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
On Friday, XXXX XXXX, XXXX, I was informed that my home loan was no longer an FHA loan. I want the loan servicer to tell me and provide supporting documents as to why my loan type was changed without informing me and what type of loan do I have currently? How are so many major changes occurring without my knowledge or authorization? In addition to the fact that my mortgage was among the note reassigned through XXXX How can robo signed be justifiable with such a large purchase. A mortgage is too technical and large of a purchase to pull a robo signing stunt in order to rush through the process. I disagree with robo signing mortgage documents. I am requesting docuents regarding title deed, what type of loan I current have, XXXX documents, and all documents that have been generated regarding my property from XXXX XXXX to the current date.
|
| 10/26/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Private mortgage insurance (PMI)
|
|
Web |
|
|
Caliber has denied my PMI removal several times. My home valuation is {$520000.00} plus and I only owe {$310000.00} on the loan. I have sent in the XXXX check and form that states the updates/costs I have done to the home. It has been a drawn out response followed by a refund of the check and then denial of the request. The customer service since being bought out by XXXX XXXX has been awful. I dont believe it is the employees fault but that they are tied down by an awful automated system and slimy company tactics. My latest call was today XX/XX/23 and employee RLE. Was not helpful in the least and it is frustrating in this day and age to not get something sorted out other than snail mail and poor communication prior to denial of the requests. I will never finance again through this company and can not recommend enough you do the same.
|
| 12/04/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
On XX/XX/2020 I submitted my mortgage payment of {$980.00} and on XX/XX/2020 my bank confirmed that Caliber Home Loans had charged the mortgage amount twice. So one payment of {$980.00} posted on XX/XX/XXXX while another payment of {$980.00} is pending/on hold. As of XX/XX/2020 I still do not have access to these funds within my bank account. I contacted Caliber Home loans customer service department and was told that the money would be returned to me shortly. I am in the middle of this pandemic with no financial assistance and I am relying solely on my VA XXXX compensation to live/pay my obligations. So to have an extra {$980.00} withheld from me without a full explanation other than that it is a technical error within their system is truly unacceptable. I have no money left over to pay the rest of my bills or to purchase groceries.
|
| 05/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
I applied for a mortgage refinance from Caliber Mortgage on XX/XX/XXXX. They dragged the application processing by asking for the documentations multiple times while every time provided as per request. Finally I received a mortgage commitment on XX/XX/XXXX for a 3.15 % ( expiring on XX/XX/XXXX ). I contacted the agent as for the closing and was told that is in the work. Finally a week later he comes with a quotes of 3.75 %. When asked what happened to the 3.15 &, he said that they weren't ready when they sent the commitment.
He then followed by committing the rate to 3.375 % APR.
When the final approval arrived, noticed a closing cost of about {$7900.00} ( on a {$430000.00} loan ) and while the approval was issued, They still very continuing the screening : Asking for Tax Document Release, Contacting Employer for Verification, Etc.
|
| 07/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Since XX/XX/XXXX i have attempted to have my PMI removed from my mortgage. I had a full appraisal in XX/XX/XXXX which showed by value to be more than sufficient for the requirements. I understood i would still need to pay for their appraiser but we could use that amount as an estimated value.
I filled out the paperwork, they received, changed the fee, requested new payment etc. Every 2-3 weeks i call and there has been a new excuse as to why the appraisal has not been ordered. Finally they said i owed them an additional {$10.00}, which i paid ( again ) and still have not been contacted by appraiser.
I have spent so many hours on the phone getting no where with this company. They are in violation of the homeowners protection act. My PMI should have been removed in XXXX at the latest and in XXXX now still waiting for an appt.
|
| 04/04/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I am the Borrower on my loan and I discovered that Caliber Home Loans has been discussing and giving out information on my loan to an unauthorized party without my permission. The party actually tried to do a contract of sale without my knowledge with a co-borrower who released all of her rights to the property in a court action. I contacted Caliber today and they acknowledged who ordered the payoff XXXX XXXX XXXX, XXXX XXXX @ XXXX.
I spoke to Caliber and then I learned that this company was on my account since XX/XX/2019 without my knowledge or permission.
They have been hired by a person name XXXX XXXX who is not on the mortgage or the note.
Caliber has no right to give out information on my loan and these people actually tried to have sale on my home without my permission. My mortgage is current paid every month on time.
|
| 07/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
XX/XX/XXXX TO WHOM IT MAY CONCERN : MY NAME IS XXXX XXXX.
THE ACCOUNT ON MY CREDIT IN QUESTION IS CALIBER HOME LOANS.
MY ACCOUNT IS SHOWING ( 18 ) LATE PAYMENTS ( 120 DAYS ) WHILE I WENT THROUGH A FORBEARANCE PROGRAM THAT I WAS TOLD WOULD NOT AFFECT MY CREDIT AT ALL BUT IT DID.
I HAVE TRIED TO FIX THIS PROBLEM BACK ON XX/XX/XXXX. NO RESPONSE AND MY CREDIT REPORT REMAINS THE SAME.
ON XX/XX/XXXX, I CALLED AGAIN AND WAS TOLD THE FORBEARANCE PROGRAM WOULD NOT AFFECT MY CREDIT SCORE. THEY SAID IT SHOULD OF NOT BEEN REPORTED ( 120 DAYS LATE ).
THIS HAPPENED IN XXXX AND XXXX.
THEY ALSO CONFIRMED THEIR RECORDS SHOW ALL PAYMENTS MADE ON TIME. I HAVE ACCOUNT STATEMENT SHOWING EVERY PAYMENT WAS ON TIME.
I WOULD APPRECIATE THIS TO BE TAKEN OFF MY CREDIT REPORT IMMEDIATELY.
THIS HAS CAUSED ME FINANCIAL HARDSHIP FOR NO REASON.
|
| 12/13/2016 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
I advised on XX/XX/2016 to order my appraisal, on XX/XX/2016 I asked to lock my rate. I received my appraisal on XX/XX/XXXX in XXXX XXXX ( where appraisers are plenty and I 'm in a NON rural area ) and my rate was NOT locked until XXXX XXXX and yet it was n't disclosed to me ( Rate lock agreement ) until XX/XX/XXXX.
Rates have gone up tremendously from XX/XX/XXXX to XX/XX/XXXX and now I am paying to buy the rate to were it was in XX/XX/XXXX ... ( at that time I was getting a credit, this was not a buy down aka : discount point ) I am closing late on my home ... I gave my last document for clear to close on XX/XX/XXXX and yet my loan is still in underwriting. Due to my appraisal being delayed it slowed down my process for my CD, which I also still do not have. All of these issues have affected my closing on time for this home.
|
| 10/13/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Caliber Home Loans entered into short sale negotiations in XX/XX/XXXX ( all the while sending a foreclosure notice for XX/XX/XXXX sale date : 60 days ). We provided documentation as the home sold and entered into a Purchase Agreement on XX/XX/2016. The Realtor, XXXX XXXX uploaded necessary docs requested via the servicer 's portal. XXXX on XX/XX/2016. She experienced issues with the uploads and called Caliber. They notified us on XX/XX/XXXX that they needed this done by Monday XX/XX/XXXX or the " 37 day rule '' would bar them from proceeding and they would go to foreclosure sale and cease short sale processing. I subsequently XXXX the same documents to them. They refuse to deal with us. I called their legal counsel with no return call 10 days ago. This property is in imminent danger of a foreclosure due to their portal issues.
|
| 04/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I previously submitted a complaint dye to Caliber intentionally avoiding removing my PMI. I submitted a check along with paperwork that described improvements I had made on my home. Last time, there was no resolution. I decided to wait a few months and try again. I filled out the paper that Caliber sent and filled out the improvements made on my home ( again ). I also mailed in a check for BPO for the price that they had on the paper ( {$150.00} ). Now, once again, they are doing the same thing as last time. They have now sent me a statement saying I have to redo the paper and send a check for {$150.00}. There is nothing ethical about them intentionally avoiding my PMI deletion when I have done the steps asked multiple times. Every time I do what they ask, they change the steps I need to take. Yet again, they cashed my check.
|
| 09/13/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I took out a home loan for $ XXXX in 2004 with XXXX XXXX. They file bankruptcy soon after. A company out of Texas called Caliber Home Loans continues to fail to document my payments and correct loan balance and does not own my loan nor do I owe them anything per the FDCPA, they are simply debt collectors acting on their own behalf and need clarification to all of thisXXXX XXXX XXXX XXXX XXXX claims to be the Trustee for XXXX XXXX XXXX XXXX out of Delaware, but I have not seen any documentation whereby they have paid any consideration nor bought my mortgage. I have a group of Attorney authorized on file and they have failed to send them the requested documentation. Right now I would like an update of my alleged loan balance and escrow account with this company, along with a copy of all documentation requested by my Attorneys.
|
| 01/20/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have requested my PMI be removed on my home. I obtained a BPO appraisal and was appraised to a value that put my LTV at 80 %. The mortgage company rejected my request because now they are saying my LTV has to be less than 75 % because my loan is less than 5 years old. I have searched the laws and I cant find that listed anywhere. This is not the mortgage company I bought my home through. My loan was sold to this company just a few months after closing. I didnt sign up for those terms. I sent a rebuttal letter XXXX and never received a response. I called the mortgage company in XX/XX/2019 and it was under review. I called again around XXXX and was told I was still denied due to the length of the loan and LTV was not less than 75 %. I was told I would be receiving a letter, however I did not receive any letter or follow up.
|
| 11/28/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
XX/XX/2018 I issued a check with the correct amount in the box but my hand writing according the creditor was not legible enough so they cashed it for the wrong amount upon realizing that my account was past due I corrected it by paying more then the monthly amount what amazed me though was that the company did not try to contact me at all through phone or mail or email at any time. I contacted the company when I realized the report was on my record and my daughters record as she is on the loan as well and they said that they made no mistake and could not help so I reported it to the the various credit bureaus and at least one has come back saying they checked with the creditor and they say its all correct so there is nothing to investigate. Whats the point of having the investigation if there isn't really an investigation.
|
| 05/10/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My mortgage company sent me a modification offer which I signed and accepted. My total monthly mortgage payment is supposed to be {$1600.00}. Caliber Home Loans just called me and told me that my total mortgage payment due is {$2300.00}. I asked why it was that much and they explained that they had forgot to add fees to mortgage modification so {$2300.00} is the amount due ; this can not be legal. Caliber Home Loans needs to waive any fees that they " forgot '' to add to our executed mortgage modification agreement. Caliber Home Loans took more than 90 days to approve my modification so they had plenty of time to check their work to make sure that they were offering me the right modification. I should not have to pay for Caliber Home Loans mistakes or for fees that I did not agree to and that were not part of our agreement.
|
| 08/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I worked with Caliber Home Loans for a consolidation mortgage for XXXX homes. I am also XXXX XXXX
Because of the XXXX XXXX I did not qualify for the mortgage. The mortgage broker suggested that I take out a payment of {$3500.00} per month from my XXXX to qualify. It was a ruse to trick the government. I still have to pay a penalty to do this as I am under XXXX XXXX.
The company suggested that once I qualified I could cancel the payment. They required all kinds of documentation and then at the very last moment we were denied based on the XXXX XXXX early withdrawal fee that I would have to pay.
I would have never done this without the company suggesting that I do it. It was unethical and very shady.
I am also a XXXXXXXX borrower and I do suspect discrimination, but I can not prove it.
Do not work with this company.
|
| 09/23/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage was immediately sold to Caliber home loans. Since then they have not once correctly calculated my escrow accounts or had accurate payments.
Now they can not handle that my county has me on once a year payments and I have been fighting with them for months to update this info and re-run my analysis before my payments jump in XXXX and I just keep getting run around in circles while they perform incorrect calculations ( which they admit ) But say they can do nothing about until " research '' finishes but can't give me a timeline on that as well, even after a fairly useless escalation process.
I have been working on this with them since XXXX with nothing done other than them continually running " analysis '' that has been incorrect per not only my math and the county website, but their own reps on recorded lines.
|
| 03/25/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
My wife and I were in the XXXX forbearance program with Caliber Home Loans, before the XXXXmonths, we were informed by Caliber to apply for a loan mitigation modification. We applied and were approved however Caliber has admitted to not sending the documents to us that we need to sign to begin the modified payments. Caliber informed us not to make any payments until we received the documents and Caliber admits that their underwriter has not sent the documents. Now, Caliber states that since we did not return the documents ( which Caliber never sent ) that we need to reapply and Caliber has now started sending intent to foreclose notices. Caliber informs us each time we call to " ignore '' the foreclosure notices because they are simply auto-generated however Caliber is sending conflicting messages regarding our mortgage.
|
| 01/06/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
This complaint was submitted to Caliber Home Loans customer service representatives, collections representatives, and our XXXX XXXX from Caliber Mortgage. Caliber Home Loans was notified of this error many times via phone, email, and text. Request were made for an investigation of the transactions below ; accurate posting of payments made ; return of stolen funds ; removal of all late fees and any related charges ; and an accurate update to all credit bureau reports.
Caliber Home Loans has not posted a payment made to our Mortgage account. The payment was made from XXXX XXXX XXXX XXXX on XX/XX/2019 in the amount of {$1500.00}.
Caliber Home Loans also stole money from the same XXXX XXXX XXXX XXXX account by taking an unauthorized draft of {$200.00} on XX/XX/2019 and did not post the money to our mortgage loan account.
|
| 06/07/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Caliber Mortgage took over my mortgage from XXXX in XX/XX/XXXX . In XX/XX/XXXX , I received a XXXX XXXX form for {$5000.00}. Note : from XXXX . I had no association with Caliber in XXXX , nor did I ever work for them. Coincidentally, their form XXXX misrepresented my real estate taxes by {$5400.00} short. I am not worried about that as I have receipts from my county tax co llector. However, the XXXX . I have had to pay a penalty and income tax on it ... ..for income I never received. I have called them numerous times, and faxed over the form three times ( as they " do not see it in their system '' ). I have received numerous responses when I call ... .from ( I see it now ; someone will call you within a week ... .... someone will respond back in 30 days ... ..I do n't see it all ). Help.
|
| 02/06/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I went through an illness, I have separated from my wife, but I was able to keep my children. I am well now and tried numerous times to work out something with Caliber Home loans to save my house. It has been difficult.
I have had to file bankruptcy chapter XXXX to stop the sale. I was working on a part time job for many years and now they have decided to hire me full time. I make a good salary now and I am well physically and mentally. My children are all in school and doing well.
I am willing to pay a good faith payment and trial payments to get an opportunity to save my house from foreclosure auction on XX/XX/ 2018.
I am willing to work with Caliber Home Loans if they will please give ma a chance to prove myself and keep my home I can afford to make the payments and maintain the property.
Thank You Very Much!
|
| 12/14/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have been going around in a circle concerning my mortgage with Caliber Home Loans.When my loan was transferred to Caliber from Vericrest Laon Servicing but Caliber would not honor the Loan modification that I had with then previous servicer. I make payments each month but they they say I do n't have a loan modification. So what do I have that i am paying each month? According to what the letter said on theb transfer everything concerning my loan would stay the same. That was not the case with Caliber. Caliber Home loans sent men final Loan Modification Documents 4 times I had them notorized and sent them. TheyXXXX claimed that New York was not able to record the final documents why?
Caliber Home Loans will not work with me and now I have received a letter from an attorney. I pay Caliber every month.
Please Help!
|
| 04/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Hi, im in workers compensation and insurance adjustor stopped my checks illegally with out notice to me or my lawyer, the financial hardship its not on my control at that point, i contacted caliber home loans which is the mortgage company and explain to them what has happened, it so happens that my lawyer had my checks reinstated, and i paid all my bills XX/XX/XXXX and XX/XX/XXXX, my credit score dropped from XXXX to XXXX, i disputed with all 3 bureaus experian send me a letter of not clearing the late payment of XX/XX/XXXX, i know is my financial responsibility but it wasnt on my control, i need help fixing this issue cause since i never had problems before with any, once anyone sees my credit history it speaks for it self and my credit is a very caluable asset more than anything, i would like to make a complaint
|
| 06/11/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XX/XX/2019 I asked a Caliber Home Loans customer service representative about removing my PMI, from a conventional home loan that I have through them. She informed me that one of the options was to get the house reappraised using their appraiser, and if the LTV ratio was below 80 % it would be removed. After paying Caliber for the appraisal, they sent me a letter telling me that I was at a 76 % LTV ratio, but then told me that it needed to below 75 %, so I now needed to pay more money ... Upon calling in and speaking to a representative I was just told that the LTV ratio now needed to be below 65 %. I feel like they are just taking advantage of me for not refinancing, which they try and convince me to do on an almost weekly basis at this point. Oh and another thing, we've never missed or been late on a payment.
|
| 02/26/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Caliber did not receive a copy of property tax statement for first half of XX/XX/XXXX tax payments ; copy of property tax statement was sent to Caliber. Caliber incorrectly entered Lot ID, resulting in incorrect property tax payment. After being notified of issue, Caliber subsequently made correct tax payment. However, original incorrect payment ( made XX/XX/XXXX ) has still not been returned to our escrow account, despite over 6 months passing. As a result, escrow account is underfunded. Caliber subsequently did an escrow analysis ( XX/XX/XXXX ) and determined that escrow account is underfunded, resulting in increased escrow payment to take effect at a later date. Additionally, this resulted in an incorrect XXXX being issues, as it includes both the incorrect payment ( not yet refunded ) and the correct payment.
|
| 05/20/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Hi I am former employee of Caliber Home Loans my NMLS # XXXX I left the company on my own accord. I was and employee for over 5 years. I quit once and they still hired me back so I think I am and excellent employee as well as XXXX XXXX I am writing to you today due overt discrimination by Caliber to XXXX XXXX XXXXXXXX. Caliber is violating Reg B or ECOA. I have expressed my feelings to management over the years and some underwriters were dropped of our team but never reprimanded in any kind of way. Please investigate the loans that were in process and approved but were later denied for one thing or another but the main problem was that these were XXXX XXXX XXXX please review all loans under my NNMLS XXXX that were denied. These borrowers were able to obtain financing thru other companies. Thank you in advance.
|
| 06/14/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
My home is scheduled for sherrifs sale XXXX XXXX, XXXX. I have been asking every since I got the " according to our records '' letter from Caliber home loans for some sort of proof that they own the loan. I have most recently asked for a copy of the note and have not, as of yet, received it. When I have asked ( and I have asked multiple times ) why it is not yet registered with land records that Caliber now owns the loan, I was told it was submitted on XXXX XXXX, XXXX and is pending. Not only until I questioned this and contacted land records myself, so I get the response from them, oops, sorry, that was wrong. I have downloaded, from the sherrifs sale site that XXXX owns the the loan. It was submitted XXXX XXXX, XXXX and filed XXXX XXXX, XXXX. How can Caliber sell my home if they are NOT the owner of the loan?
|
| 03/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Beginning in early XX/XX/2023 I requested via phone to start the process to have my PMI removed. Over 3 months later, it still has not been removed. Caliber 's own process was to get an automated value, which I paid for as soon as instructed. The value came back at {$710000.00}. My balance at the time of the request was {$480000.00}. This yields a loan to value of 67.7 % which is well below the legal requirement of 75 % or less. I had paid 24 months of consecutive on time payments at that time ( and all payments since ). The Homeowner 's Protection Act requires the PMI be removed if requested after 24 months of on-time payments and if at an LTV of 75 % or less. However, Caliber keeps sending me letters saying the value isn't sufficient and they need another appraisal in order to determine if it can be removed.
|
| 07/25/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
I contacted Caliber Home Loans to refinance a home mortgage on XXXX XXXX, 2017. Everything went fine until they sent an appraiser out and the person hired by Caliber was not professional and submitted comps that were not anything like my home resulting in a lower value so the loan was not approved. comps submitted by the appraiser should not have been allowed becuase 1. They were over 7 miles away 2. They were for single family homes and my home is a multi family I asked that the home be re appraised but they were not willing to do so. The person hired by Caliber was not a professional and I complained at the time of the appraisal. I have since contacted an independent appraiser and they say the house should have appraised for more and the comps used by Caliber were not suitable for a comparison of my property
|
| 07/27/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
A refinance was done multiple times in XX/XX/XXXX the owner being a XXXX man with a set income since XX/XX/XXXX was preyed upon and given a refinance over and above his income capabilities. We have modified this loan 3xs with XXXX and once again recently with Caliber Home Loans. Only to find out in the fine print its modified to a interest only loan. Nothing is ever disclosed to us. We were struggling and a post card was sent to us that we had a law suit with XXXX and needed to hire XXXX out in XXXX XXXX. We stopped our payments to XXXX it cost {$5000.00}. up front and XXXX a month for on going legal fees only to be told in order to get our modification we had to release XXXX from its obligations We now are paying a trial payment to Caliber and received nothing from the law suit nor the Real Estate law Center.
|
| 05/27/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
The servicing of my mortgage was switched to Caliber in XXXX, 2015. They sent me papers to apply for a modification. I completed the application and sent it back to Caliber with all the supporting documents they asked for.
I did not hear anything for a while so I called to follow up. They said my application was in process and they would get back to me. I did not hear anything for a long time so I called to follow up again. This time I was told they would have to look into it. It has been very hard to communicate with Caliber because there does not seem to be XXXX specific person assigned to my file and the company is not responsive.
Caliber has never asked for more documents, and they have never given me a response to my request for a modification. Now they have scheduled a foreclosure sale for XXXX XXXX.
|
| 12/13/2022 |
Yes |
|
|
|
Web |
|
|
After my last complaint to your govt office, XXXX replied saying that they recognize the mistakenly filed lien they filed with FHA case # XXXX. And submitted a request to HUD on XXXX. I have waited over a month without any news at all about its release. I even contacted HUD directly and they were not able to help. And only sent me the bill of the money incorrectly were told that I owe.
( I may be mistaken but i believe the mistakenly filed lien is XXXX book number is XXXX pg XXXX in the amount of {$17000.00} ) Please note : there was one lien that was filed correctly and has been paid off.
My request is in regards to the lien that was mistakenly filed by Caliber on XX/XX/XXXX for the amount of {$17000.00} I have been trying to correct this since approx XX/XX/XXXX, my house closed on XX/XX/XXXX. please help
|
| 09/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I sent a payment electronically of {$75000.00} through my checking account.
It was received by Caliber Home Loans on XX/XX/22.
Instead of applying the XXXX mortgage payment of {$1700.00}, they applied 3 months of mortgage payments and the remainder in a " suspense account '' instead of applying to our principle.
When I called on XX/XX/22 & spoke to XXXX in the resolution dept., she said this was to be corrected by then end of the week. Instead they then applied {$9900.00} and to the next 5 months mortgage and the rest is somewhere in limbo!
I called again on XX/XX/22 and spoke to XXXX, again this rep said it was to be corrected immediately, one month mortgage payment and {$73000.00} towards principle.
Again this morning I sign on, and nothing has been corrected.
Isn't this a misappropriation of funds!?
|
| 05/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I have a mortgage with Caliber Home Loans, and am working to refinance the loan. Early in the process we agreed to terms, and they requested we lock in the rate. So we did. However, they only locked in the interest rate. They changed the points amount throughout the process. We noticed early on that the points were increasing to get the previously agreed upon interest rate and amount related was increasing over time.
Because we noticed this and brought it up a number of times, they gave us a lenders credit to offset the difference. Therefore, we don't personally have any damages ; however, this is an extremely sneaky practice by Caliber to increase the amount they charge people for mortgages. I am sure there are a significant number of people that they have done this to that have not identified the changes.
|
| 06/17/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Mortgage Originator Never Transferred LOAN SERVICE RIGHTS AGREEMENT, MORTGAGE AGREEMENT, BENEFICIAL RIGHTS TO HOME AND PROPERTY, TITLE, DEED OF TRUST OR PROOF OF OWNERSHIP TO XXXX! On XXXX XXXX CALIBER HOME LOANS PURCHASED THE DEFECTIVE LOAN AND MORTGAGE FROM XXXX! CALIBER HOME LOANS HAS SET UP SEVERAL XXXX XXXX XXXX XXXXXXXX ON THE HOME AND PROPERTY XXXX TRUST IN MY NAME : WITHOUT MY EXPLICIT WRITTEN PERMISSION, MY EXPLICIT WRITTEN CONSENT ANT COMPLETELY AGAINST MY WILL! CALIBER JUDICIALLY FORECLOSED ON ME. IDAHO IS A NON JUDICIAL FORECLOSURE STATE! THIS HIGHLY IRREGULAR SINCE THE HOME AND PROPERTY DOES NOT FIT ANY CRITERIA FOR ANY JUDICIAL FORECLOSURE ACTIONS IN IDAHO! ALSO CALIBER HOME LOANS HAS RESOLD THE DEFECTIVE LOAN AT LEAST 2 MORE TIMES after the eviction in XXXX! CALIBER HOME LOANS LOAN NUMBER XXXX
|
| 12/27/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I applied for a loan modification but the loan servicer denial my request so I applied for a short sale and submitted a offer on XXXX/XXXX/XXXX and caliber would not accept the offer, so they order a BPO on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX to determine the value and it was valued at {$330000.00}, so we submitted a offer cash of {$370000.00} which is much higher then its worth but now caliber is saying its too late to continue with the short sale and the sale is set for XXXX/XXXX/XXXX, this whole thing is crazy we give them a higher offer and this is the thanks that we get, caliber clearly wants to foreclose on my property and that is a fact, someone in your office needs to look into this matter, we have also filed a complaint with the attorney general office of CA .can someone please HELP!!!
|
| 07/18/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
Caliber Home Loans is refusing to provide me with an actual accounting of my impound account. The loan they were servicing was paid off when I sold the home. Escrow closed on XXXX XXXX, 2016. They sent a check dated XXXX XXXX, 2016 to me indicating it was an " escrow release - paid in full ''. On XXXX XXXX, 2016 I spoke to XXXX at Caliber Customer Service asking for an accounting of the impound account with actual numbers - not estimates and projection. She said it would be sent. Instead I have received a letter stating that my request for " mortgage release documents '' had been sent to the Servicing Department and I may or may not be the one who will receive the document. The impound account contained my money. I think I should be able to get an accounting of what Caliber Home Loans did with the money.
|
| 11/11/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
Older American |
|
Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX See above Complaint. Please note that on XX/XX/XXXX, The Judge signed " Order to Foreclose '' on my legally homestead property. The Judge did not review any of my evidence that was submitted during that hearing. The XXXX Master Participating Trust, XXXX XXXX, XXXX. Trustee and Caliber Home Loans, Inc. sent letters in XX/XX/XXXX through XX/XX/XXXX notifying that XXXX XXXX would no longer be the owner or servicers.
The Instrument filed to record the transfer and assignment date XX/XX/XXXX is not recorded correctly on XX/XX/XXXX.
I will upload the next complaint in which it shows they paid a fine and class action regarding the 2 class actions brought against them. They have modified payments and contracts without my signature and/or approval.
|
| 04/03/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I was approved for HAF through state of Florida. Caliber had received past due amount from XXXX. They posted this on XX/XX/XXXX. They also received XX/XX/XXXX 's payment in early XXXX and posted the mortgage to my account on XX/XX/XXXX. XXXX 's payment ( send on XX/XX/XXXX ) was not posted until I made a CFPB complaint - then it posted on XX/XX/XXXX. XXXX finally posted on XX/XX/XXXX. Two payments have now been made to Caliber - one for XX/XX/XXXX and one for XX/XX/XXXX - both in the amount of {$1300.00}. Caliber switched my servicer to XXXX and did not send/post/apply funds before that transfer of service. This changed happened on XX/XX/XXXX, not allowing me time to get funds rerouted. I have now been assessed a late fee, although HAF has indicated the payment has been received and posted by Caliber.
|
| 10/30/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I have filed consumer complaints against this company due to its refusal to provide reasonable accommodations in regards to my communication XXXX. These complaints led to my case being referred to the XXXX XXXX for mediation. ( XXXX Complaint XXXX XXXX XXXX v. Caliber Home Loans XXXX XXXX Dept. ) The mediator, XXXX XXXX, has attempted to reach XXXX to begin the process without any success, and given the amount of time that has elapsed with no response, he is considering it a refusal on XXXX 's part. I asked for mediation in an attempt to reach an agreement with Caliber Home Loans, as they continue to repeat the behavior that led to me filing those complaints in the first place. I am concerned about losing my home due to XXXX 's continued refusal to respect my rights under the Americans with XXXX XXXX.
|
| 11/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My loan to value is 74 % .By Law, LTV as soon as drops below 80 %, they should remove PMI. But they didn't. They keep charging me Private mortgage insurance {$110.00} each month. Can u Please help me out to remove PMI from my escrow account .I never missed payment. since 2005. ( Only some times few days late .They charge {$42.00} for late payment ) But not every month. They keep charging mortgage insurance. Current LTV on the basis of appraised value of 2005 is about 74 % .But Current house value according to XXXX XXXX XXXX XXXX XXXX XXXX XXXXSo Current LTV should be around 71 % .XXXX is about the same as XXXX XXXX XXXX. Due to this reason By law I m not required to pay PMI .Please help me to remove PMI from my mortgage account. Its been almost 16 years I m paying Private Mortgage Insurance. Thanks`
|
| 04/30/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Caliber Home Loans has persisted in concealing an agreement they made with XXXX when they sold the loan to Caliber in XXXX 2014. The agreement was for Caliber to address errors in our account committed by XXXX. Caliber has also continued to make mistakes when attempting to address our concerns. They are outlined in the documents attached but include : failure to appoint a Single Point of Contact for over 5 months after assuming servicing of the loan, the SPOC ( XXXX XXXX ) refused to complete research on our account to address errors, Caliber continues to remove an unsubstantiated claim of {$3500.00} of deferred interest applied to our account by XXXX, and most egregious Caliber sent us letters with the addresses and account numbers for XXXX different homeowners. Additional information is attached.
|
| 07/14/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
l been having problems with XXXX XXXX XXXX now Caliber for 5 or 6 years. Back in 2009 i los t my job got behind 3 payments. So they told me to apply for modication. While working on it i offer to pay up but they told me not to and still getting further behind. During this process i went through several agents and got the run around. So i had to filed bankruptcy to save my home which got me further in debt.I paid 3 and half years ( XXXX ) XXXX a month.So i had to get out cause i could n't afford it .Recently i been applying for modification and getting the run around. The one tlime i did get it they released me cause of no payments but i sent it and got the receipts to show. So i do n't know where my money is .Now i am trying to hold to my house while stiill getting the run around.
|
| 02/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I started a refinance for my investment property on XX/XX/2020. The company is Caliber Home Loans in XXXX, Texas.
They told me the refinance would take XXXX days.
It has now been almost 5 months!!
They keep transferring the file to different processors, changing the loan estimate, changing appraisal costs. They request documents, I diligently send them and then they don't file them. Then they change loan processors again and no one has any idea what is happening with the file!
Then they won't contact me back when I call for an update.
They are financially holding me XXXX!
Unwilling to close the refinance loan and unwilling to refund me the costs for the XXXX XXXX and appraisal and cancel the refi.
Their behavior is unprofessional, unethical.
DO NOT USE THIS COMPANY FOR HOME FINANCING!!
|
| 10/20/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
During hurricane Irma my mortgage company : Caliber Home Loans offered me a natural disaster hardship deferment for 3 months. I have never missed or was late with any payments until the hurricane. I was told that the 3 months would he put at the end of the mortgage. Then in XXXX they sent a letter and said if I didnt pay the entire amount of the 3 months mortgage payment or I will face foreclosure. Since then they said I didnt qualify for any programs and I must pay. They have also took off of my credit report that I was a victim of a natural disaster and put that I am 90-120 days late which has significantly lowered my score. I have paid my mortgage on time since then deferment ended and am only behind the 3 months they lied about putting at the end of my mortgage. Please help me keep my home.
|
| 06/07/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
Caliber Home Loans are demanding {$3000.00} or they are going to take our home. First of all we do not owe them XXXX we have been paying extra since our chapter XXXX and they are still saying we owe {$3000.00}. Chapter XXXX has paid them XXXX because they said we were behind XXXX payment. Then they approve us for a modification XXXX XXXX we filed chapter XXXX then but we thought we had the modification so we paid for a year the modification amount which they never told us they took it away so XXXX we paid extra to catch it up now it is all caught up and they are still saying we owe over {$3000.00} we do not want our home taken a way. Our mortgaged loan got sold three times. From XXXX to XXXX XXXX and now Caliber Home Loans they are frauds get us for more money that we do not owe please help us
|
| 11/18/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
We took out a loan in XX/XX/XXXX and have paid it off many times over. Apparently Caliber Home Loans has filed the fraudulent Assignment of deed of trust attached to try to keep this loan open and foreclose on my home. We have demanded an accounting and history of loan payments and they have refused. They do not own this Loan which was bought by Fannie Mae in XX/XX/XXXX.
We have sent them the following Qualified Written Request ( QWR ) : We would like clarification regarding the following two documents : 1. ) Evidence supporting the attached Assignment of Deed of Trust.
2. ) An Accounting of the Loan and specifically the Post Petition payments to you.
We will be opposing your proof of claim filed in my recent Bankruptcy.
Thank you for your attention to this matter as soon as possible.
|
| 04/13/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Caliber Home Loans charged excessive fees when i refinanced the loan. After a painful and long waiting resolution for the arrears i was able to cure the default and pay the loan with another loan. I do not quite understand what they charged in the escrow balance. I do not have a break down of the charges and fees or an explanation. In addition Caliber Home Loans sent XXXX different pay off to escrow .I signed documents in escrow based on the pay off for XXXX XXXX and on XXXX XXXX Caliber Home loans faxed another pay off to escrow .I signed escrow and Title documents based on the XXXX XXXX pay off .I am still waiting for an explanation. It is not clear they pay the property taxes twice or what they charge in the escrow balance. I need a break down of the charges and fees in the escrow balance.
|
| 05/01/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My home was unlawfully foreclosed on by Caliber Home Loans and XXXX XXXX XXXX XXXXt. The foreclosure should not have taken place as foreclosure paperwork was fraudulent in there was no disclosure of change of ownership. This change of ownership was no disclosed to the court. Additionally this is an unfair debt collection practice by the firm that represents Caliber Home Loans. In the case involving this particular assignment, evidence has surfaced that shows the XXXXXXXX XXXX XXXX XXXX is in fact not a trust holding beneficial rights to the Defendants loan, but rather it is an undisclosed Participation Agent for yet more undisclosed investors. In essence, the named assignee and Plaintiff in this case, XXXX XXXX XXXX, XXXX. as Trustee for XXXXXXXX XXXX XXXX XXXX is nothing more than a sham
|
| 10/12/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
On XXXX 2016 and subsequently on XXXX XXXX, 2016, I submitted and supplemented my loan mod application to Caliber Home Loans which they acknowledge receipt of a full and complete package on XXXX XXXX, 2016. I was told that they would contact me with a result and/or if they needed additional information to supplement my request for modification.
I received two letter after that, one dated XXXX XXXX which is the SCRA notice letter and another letter dated XXXX XXXX, 2016, telling me I was in default of my loan and that I needed to pay. Nothing regarding the status of my loan modification. On XXXX XXXX, 2016, more than 60 days after submitting my request, I was told that my modification was denied on XXXX XXXX, 2016. I was not notified of the denial and was told that they could not talk to me.
|
| 07/24/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
This complaint is connected to Complaint Numbers : XXXX Caliber Home Loans XXXX XXXX XXXX XXXX Representing : XXXXXXXX XXXX XXXXXXXX, XXXX. as Trustee for XXXX XXXX XXXX XXXX XXXX transfered Mortgage to Caliber Home LoaXXXX XX/XX/XXXX XXXX Kept filing papers for Foreclosure after XX/XX/XXXX Caliber refused to communication and work out ANY payment schedules.
Loan was In Husband and Wife Name and was foreclosed in Husband name only Wife is still In Title per XXXX XXXX Superior Court.
House is vacant and need contact number to negotiate to move back into home of 43 years.
Caliber Home Loans has had my permission to talk to CFPB and refuses to answer my calls regarding the CPFB Complaint referenced above.
Sent Hand written and legal docs to MR. XXXX XXXX on XX/XX/XXXX. Still no Response.
|
| 03/01/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
Caliber Home Loans agent XXXX XXXX was handling a cash out refinance that would have helped pay off a trailing second mortgage and some debt on my credit report. The appraiser XXXX XXXX devalued my home by 120,000. I have a 5 bedroom home with 3 full baths and 1 half bathroom. My report has all of the rooms and bathrooms labeled but is inaccurately reflected in the report as being a 4 bedroom home with 2 1/2 bathrooms. I have a two car garage attached to my home then a separate 3 car garage structure that is missing from the report completely. My home was compared against homes that do not reflect what my home possesses. XXXX XXXX stated that the loan was denied and there was nothing Caliber Home loans could do to assist me. I feel defrauded and devastated by this process. Please help me.
|
| 10/31/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My mortgage lender Caliber Home Loans sent me a letter stating that I need to contact them to opt out of communications that involve them sharing my private info with their affiliates. Their letter was confusing and stated that I could send an email to XXXXXXXXXXXX to opt out. I sent an email with that request but it bounced back with the following errorDelivery has failed to these recipients or groups : XXXXXXXXXXXX ( XXXXXXXXXXXX ) Your message ca n't be delivered because delivery to this address is restricted.
For more information about this issue see DSN code XXXX in XXXX.
They appear to be making it very hard to opt out for a consumer. There is no link on their website to do this via a profile setting ; you must send an email to an address that does n't accept emails.
XXXX XXXX
|
| 09/08/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Letter to complain.
Caliber Home loans is committing consumer fraud by using an inflated value for XXXX and refusing to modify my loan. I wrote several letters to the company and still no reply. they are not following RESPA. They have a date set and want to foreclose on a home that I want to keep. No fact finding was completed during the XXXX process and therefore the adviser did not have full knowledge of property estimate in the complex area.
Please reply to this letter within XXXX days and investigate my complaint. Because in 2006 I was sold a sub-prime mortgage when in fact there was nothing wrong with my credit history and I had never been refused credit before. Please help me get help from HUD as well. My email is XXXXXXXXXXXX.
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ
|
| 05/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
CFPB, This complaint is about Private Mortgage Insurance removal. In XX/XX/2020, I request Caliber Homes Loans to start the process to remove my PMI based on home value, Caliber indicated that I need an appraisal to know my home value. The appraisal was complete and deliver to Caliber on XX/XX/2020. In XXXX I was advised that I was given the wrong information by the teller and that I need to submit a BPO. The BPO has been completed and deliver. Both the BPO and appraisal show that my home value has going up and that I am eligible for PMI removal, however, Caliber has not made a decision on the matter. I feel that because of the months with the PMI and payments of appraisal and BPO I have lost thousands of dollars due to Caliber irresponsibility. Please contact me for more details. Thanks
|
| 10/17/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
XXXX XXXX XXXX XXXX husband XXXX XXXX and she has been trying to deal with all of the things that he took care of that she did not know about. She is a XXXX XXXX and has gone back to work full time.
She has submitted at least 30 modification packages to Caliber Home Loans with a never ending list of more and more documents. Before XXXX XXXX XXXX, the loan was in good standing.
She is now facing a foreclosure sale date on XXXX XXXX, 2017.
Caliber Home Loans refuse to work with the homeowner. Caliber Home loans refuse to help her. She has money saved to pay on her mortgage if she need a faith payment she is ready. She is financially able to pay her mortgage each and every month.
This home is all that she has of the life that she once knew before her husband XXXX XXXX
Please help her.
|
| 03/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My name is XXXX XXXX. I purchased a home in XX/XX/2021 with my daughter XXXX XXXX & her husband XXXX XXXX. I have tried to fix these issues with Caliber homes and they will not help us. I have attached our mortgage bill below. I put the {$140000.00} down on the home and my name is not on the billing statement nor on the 1098 but it is on the note. It took several calls to Caliber to actually speak with me because they did not recognize my phone number or me. They finally checked the note to see that I am the XXXX person on it. The 1098 came in and it is in XXXX 's ss #. XXXX and XXXX, even though married, file separate tax returns and I file my own as well. We want to be able to deduct the finance charges individually for the next 30 years and we can't. I need changes to be made for us.
|
| 02/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I had a mortgage from XXXX originally. Then was bought by XXXX XXXX XXXX after getting a modification and then making my payments on time for almost a year in 2012, Then after sending my payments still on time. XXXX XXXX XXXX then the mortgage was then bought by Caliber Home Loans, Again all my payments were made on time. I have documents proofing this. I asked XXXX, XXXX and XXXX and sent the documents that I have from my XXXX XXXX account proving the dates of payments. I received a letter back from XXXX that they would not change the lates on my report from both XXXX XXXX XXXX and XXXX XXXX XXXX. I have been working on this for three years to get this straight and my credit report accurate and have no late payments from either XXXX XXXX XXXX or Caliber Home loans since 2012.
|
| 04/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/2022 I called Caliber home loans regarding my escrow account. I spoke with a representative that told me that I would need to pay {$7700.00}, and then I could have my escrow account removed. She showed me where to get the form and explained to me once I reach 78 % and request to remove escrow it will be granted.
I called and spoke with a representative today and was told that this was rejected. There was no real explanation other than to check my disclosure. I have checked my disclosure which I have attached along with the escrow removal form.
Attached you will be able to review the disclosure, the escrow removal form, and see the check that I sent for the payment on a downloaded XXXX for the month of XXXX from my account..
Again, I just want to be treated fairly.
|
| 10/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
In XXXX of 2020, I submitted a complaint with XXXX due to 2 inaccurate entries on my credit report. Upon checking the status of these complaint requests in XXXX, I was surprised to find that they were verified by XXXX as reporting accurately. These were absolutely not correct entries and I would like to see the evidence that was used to verify that these were accurate findings on my credit history. I was offered no proof that these were correct ( and I strongly believe that they can not be because they are incorrect ) nor was I notified when the results were supposedly verified that they were correct findings. I know that these were reported incorrectly by the mortgage companys and would like to see verification of how they were determined to be reported accurately. Thank you.
|
| 04/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My XXXX Mortgage payment was due XX/XX/2019. I paid the mortgage on the XXXX XXXX which is 29 days after the due date ( Only 28 days in XXXX ). My Mortgage company has filed a report stating I was 30 days late. This is incorrect.
I queried it with the mortgage company who agreed that it was paid on XXXX XXXX and that it was 29 days late and not 30, but their policy is to report it if it goes into the next month. My Payment history on the web site shows it was paid on the XXXX XXXX - 29 days late, not 30. The statement on my credit report that I was 30 days late is incorrect. It was 29 days, regardless of the mortgage company policy.
I filed a dispute with XXXX and it was denied by the Mortgage company. I called XXXX and explained the situation and the gave me the FTC number.
|
| 12/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Caliber home loans serviced my loan from about XX/XX/XXXX to XXXX. I know 100 % they messed up my escrow account. They either paid my property taxes twice. They either took the overage of extra payments of {$150.00} because of a shortage. After 2-3 years with me paying an overage they sold my loan to XXXX XXXX and no one can explain why I am in the negative with my escrows. I don't have the time to dig up through files and waste my time over this. I am eventually going to pay off the mortgage and never deal with an escrow/impound account. Caliber needs to be investigated regarding their servicing department. I know 100 % I am not the only person that has dealt with this.
Something fishy and shady is going on with. It is either the city of XXXX XXXX MI, or Caliber home loans.
|
| 12/27/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I took out a home loan in XX/XX/XXXX with XXXX XXXX. They filed BK as XXXX in XX/XX/XXXX.On or about XXXX XXXX, XXXX, a person named XXXX XXXX is allegedly claiming to be employed as an Assistant Vice President by XXXX XXXX XXXX , XXXX , as attorney in fact and servicer for XXXX XXXX XXXX , XXXX, as a Trustee for XXXX XXXX XXXX XXXX, but has not provided an employment contract nor a servicing agreement to substantiate these claims.
I would like for Caliber Home Loans and XXXX XXXX to prove that she is in fact employed as an Assistant Vice President by Caliber Home Loans, Inc., as attorney in fact and servicer for XXXX XXXX XXXX, XXXX, as a Trustee for XXXX XXXX XXXX XXXX, and specifically that she has the credentials to act as an Attorney in fact for this group of companies.
|
| 08/28/2016 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
This report requires provisions from HEPA laws and Fair Credit Reporting. XXXX refused to validate and verify a debt that is listed on my credit report according to law under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ), Fair Credit Reporting Act 15 U.S.C. 168, and Foreign Corrupt Practices Act. This office refused to provide competent evidence that I had any legal obligation to pay the listed company above and had the authorization under 12 U.S.C. 2605 ( e ), 15 USC 1692 ( e ), and 15 USC 1692 ( f ) in this alleged matter.
Please provide me with the information you received from this company. I have a right to know who, what, and how a company is reporting on my credit. Is this company in violation of HEPA laws.
|
| 11/10/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XXXX I took out a home loan with XXXX XXXX XXXX XXXX dot XXXX for $ XXXX. It has been transferred multiple times and an alleged servicer called XXXX from XXXX has been collecting payments from me but I have still not received an updated statement as required by State and Federal Law. They claim that XXXX XXXX XXXX XXXX. is the Trustee for a Trust called XXXX XXXX XXXX XXXX which owns no properties nor ever acquired my note since it was filed with the XXXX XXXX XXXX in a Chapter 13 BK filed by the original lender XXXX XXXX. My Attorney has sent them a QRW asking them ofr certian information and they have yet to reply to it. We ask that the CFPB please get involved as soon as possible and investigate this since we believe the documents filed by them on title are fraudulent.
|
| 09/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Had an issue with " caliber home Loans '' Made a payment 7 days before the 30 days due date because of an error.
Check was dated before the 30 days But they don't receive checks electronically so they received it 2 days after the 30 days and report me.
When their rep called me for the payment I payed on my online banking with him on the line, he didn't tell me it takes them time to receive checks.
I was never later for a payment before, ever.
Spoke to XXXX their supervisor He said he see that check was dated on time but they received it after a week.
Didnt want to help me or even to at least post that payment was made one day after the 30 days late.
I need to obtain a mortgage and I need this to be corrected.
I desperately need your help.
Caliber home loan XXXX
|
| 11/05/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
In or around XX/XX/2018 XXXX XXXX was approved for a loan modification. On XX/XX/2018 XXXX XXXX submitted an appeal of the loan modification offer. Pursuant to Regulation X, 12 C.F.R.
1024.41 ( h ) ( 4 ) a loan servicer is required to keep an offer of loan modification open until no less than 14 days after the loan servicer completes the appeal. On XX/XX/2018 XXXX XXXX, an attorney for Caliber Home Loans, notified Mr. XXXX that, since he rejected the modification offer, " your default can not be cured '' and the property was now subject to foreclosure. XXXX XXXX did not acknowledge the right to appeal or the deadlines prescribed by Regulation X. Caliber then advanced foreclosure while the appeal should have been pending in violation of Regulation X, 12 C.F.R. 1024.41 ( g ).
|
| 05/03/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
Account/Product Type : Mortgage Loan Complaint My mortgage loan has been sold for a 2nd time since XX/XX/XXXX of XX/XX/XXXX, Original loan holder was XXXX, the principal balance prior to the loan modification was XXXX after the loan modification was completed the loan went to XXXX with adding Escrow fees. Then in the process of closing the deal for the loan modification with XXXX the loan was sold to Caliber Home Loans after talking with them about the loan modification with XXXX they honor it and I started paying them the mortgage, Now I get a letter saying the loan was sold again to XXXX XXXX XXXX as of XX/XX/XXXX received that letter on XX/XX/XXXX mortgage has been sold again to XXXX but the balance was is XXXX what the heck!
But Caliber Home Loan is still the servicer.
|
| 01/31/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
On XX/XX/XXXX I submitted a complaint concerning my mortgage (Caliber Home Loan)Complaint# XXXX.In their respond they said they would work with me getting a modification, I submitted everything they asked for in a timely matter .They called me a few times requesting other items , and I submitted them. They said they would notify me. Did not hear from them by phone, mail etc....Received a letter XX/XX/XXXX from an attorney stating that I had to be out of the property in 10 days. Per XXXX XXXX respond thru CFPB they said they notified their foreclosure firm on XX/XX/XXXX to temporarily suspend any additional foreclosure proceedings to allow sufficient time to return complete mitigation application. I did what they ask and now they are kicking me out with out any other notice.
|
| 06/14/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I took out a loan with XXXX XXXX in 2004 for {$310000.00}. I have made all my payments on time until they agreed to do a no cost HAMP loan modification. The Servicers have failed to give me a signed copy by them of my loan modification agreement. This is the fourth time I have requested it. Also they have mis-applied or not applied my payments to Principal as agreed. They continue to not apply my payments to Principal as agreed nor to give me a correct updated loan payment history. Please look over the documents that they have sent me which do not reflect the correct current running total. I have requested an independent audit of my account but they refuse. Please investigate this matter as soon as possible since I suspect fraud has been committed with this loan. Thank you.
|
| 05/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
Hello, to whom it may concern this is a case for Mortgage fraud, between the companies listed below : CALIBER HOME LOANS XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX ) XXXX Ending Balance should have been : XXXX on XX/XX/XXXX when balanced was closed and transferred.
Two loans have come after this when transferred, which goes up in the closing balance. Adding years to the mortgage payment.
The loan went from being close to XXXX, which is fraud.
XXXX dollars is unaccounted for from : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX ) XXXX The loan was transferred again on XX/XX/XXXX at XXXX to the company below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ) XXXX Between these two mortgage companies about there is some type of fraud.
|
| 03/31/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
During the Covid19 epidemic, my loan company caliber home loans ( https : //caliberhomeloans.com ) is offering what they call a forbearance plan. ( https : //caliberhomeloans.com/tools-resources/faqs ).
They are allowing a temporary deferment on your payments for a couple months, but then the whole sum payment of what was deferred is due in full at the end of the forbearance.
If we are being mandated not to work this helps us in no way but driving us further into debt and ruin. I know other mortgage companies out there are allowing the life of the loan to be extended without penalty because of the crisis we are facing.
I am issuing this complaint in hopes that your organization has a higher authority to help bring a sensible justice for us locked into a bad situation.
|
| 02/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Follow up to Caliber Home loans complaint filed on XXXX Documents to support my in initial complaint.
1. Letter from Caliber detailing my approval for forbearance deferral and increased mortgage amount and payment date.
2. Proof of full increased mortgage payment and date from XXXXXXXX XXXX which caliber claims I did not make or they put it towards the forbearance amount.
3. Letter from XXXX XXXX XXXX closing my CC because of Caliber 's atrocious Credit Bureaus Reporting against me.
4.Letter from Caliber demanding {$36000.00} on XXXX or face foreclosure.
THIS IS WHAT I AM CURRENTLY FACING WITH CALIBER HOME LOANS AFTER BEING IN AN APPROVED FORBEARANCE PLAN AND PAID MY FULL INCREASED MORTGAGE MONTHLY PAYMENT AS REQUIRED ON XXXX WHICH CALIBER APPROVED AND ACCEPTED.!
|
| 07/22/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I contacted my lender before my husband had XXXX that was predicted to leave him out of work for about 6 months. They said they could do a loan modification. They told me to stop paying my payment while I was working on modification or they would n't think I needed a modification if I could still pay the payment. Four months later, nothing is done so I contacted what I thought was a legitimate site that could help me work with my lender. I ended up getting scammed by the other company that and loosing {$5000.00} and barely stopped the foreclosure of my house one day before it was scheduled to be sold. Now my lender has raised my payment to include all delinquent payments and fees, as well as trashed my credit when I only did what they told me to do in the first place!!
|
| 09/04/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
In XX/XX/XXXX I asked Caliber Home Loans for a loan modification. They Approved the modification but never notified me of the approval. Once I learned of the approval I began paying the lesser amount.
Now there is a delinquent mark on my credit report saying I was 60 days past due. This company is terrible. I never asked them to be my servicer. I never entered into any agreement with them and they are rude and disrespectful during all phone calls.
The company does not communicate within their own divisions. The active agreement/loan modification should not be recorded as a credit delinquency.
I recently learned that the Massachusetts Attorney General sued caliber home loans over predatory loan modifications. This is exactly what happened to me.
Thanks XXXX XXXX
|
| 08/10/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I paid loan in full on XXXX XXXX, XXXX. Caliber Home Loans, XXXX XXXX XXXX, XXXX XXXX, Ok.sent me on XXXX XXXX, XXXX what was suppose to be the necessary releases to get lien released and get a clear title. I submitted request to Tennessee DMV with necessary documentation provided by Caliber Home Loans. DMV returned paperwork to me showing that a lien from XXXX XXXX XXXX XXXX XXXX XXXX , Ga. XXXX was shown as lienholder. I called Caliber and was instructed to contact the release dept. via e-mail. They would not give me a phone number. A copy of e-mail correspondence is attached. My primary complaint is that I was promised on XXXX XXXX, XXXX that Power of Attorney to get lien released would be mailed that day. I can not sell or trade motorhome with the release of lien.
|
| 09/19/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
We have a mortgage from Caliber Home House.
Are house was burned down in the XXXXXXXX XXXX We got funds from our insurance company. In several checks. We already covered our principal and Caliber is holding it. We got more checks from our insurance company that was payed to us and Caliber. Because Caliber is already holding the principal they according to the law need to send the extra funds directly to us.
They did so already for other checks but for the latest check for the sum of {$200000.00} they are not releasing it. We asked for it to be release on XX/XX/2023 and every time we call they say it is in process with no date when they are going to release it.
We our building our new home and owe our builder money and because they are holding it we can not pay it.
|
| 04/11/2022 |
No |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Over XXXX weeks ago I got word from my escrow/title XXXX that I am using for a HELOC that there was a second deed of trust recording on my loan thru Caliber Home Loans. It is wrong and I only have XXXX. From that day on I have called, emailed, faxed and wrote letters as well as tried to go to a local Caliber Home Loans office that does not exist. All to get help to remove the duplicate recording asap so that my HELOC will be funded asap. The lady I am buying a house from in TN is so stressed not to mention my family here in WA!!!! It is insane to me that this company can make a mistake and cant even call me? This is THEIR mistake!!!
On attached Schedule B- part XXXX # XXXX is XXXX NOT XXXX XXXX!!!
# XXXX is a duplicate and is a mistake that needs to be fixed today.
|
| 03/07/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I tried to get some financial assistance which the company offers during times of hardship. I ask at the outset of the process for the underwriting guidelines so I knew what to expect and how to fill out the application properly. They wouldn't provide the guidelines, nor would they tell me anything about them. I had to resubmit the P & L 6 separate times with 6 separate reps from the company telling me 6 separate things. In the end they denied it because of an obscure underwriting rule that they never told me about even though I had repeatedly asked them to do so.
My sense is that they offer these assistance programs with no intention of making good on the program. The guidelines were obscure and the representatives were vague and didn't know their own program.
|
| 07/20/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I've never been told clear make or not make a payment coming off covid19 assistance. I was told I'd have to submit for loan modification for my XXXX loan. I have dates who I spoke with. Not once have I been told what I need to do. Now I'm being told to go past due just to get a loan modification which takes 30 days to review causing further passed due account and late charges and credit hits. If I shouldn't have made a payment after being one month behind then someone should've clarified that with me instead they said I needed to. Now I'm a month behind unable to catch up and it's been two months with no correct answer. I can make regular payments but can not make up the month I'm behind example I owe XXXX still but can't make until XX/XX/XXXX keeping me behind.
|
| 01/19/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My mortgage company, Caliber Home Loans , Inc., has given me a difficult time about paying my local fire district taxes even though a portion of my mortgage payment is collected by them to pay those taxes. I 've had to spend considerable time to get these taxes paid XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The taxes are due on XXXX XXXX. In XXXX XXXX, I received a phone call from Caliber informing me that they would pay my taxes. Today, XX/XX/XXXX, I received a letter from the fire district indicating that the taxes have not been paid and that the account would soon be going to a collection agency. Caliber has been collecting money from me under false pretenses and is going to ruin my credit. This company needs to be held accountable for their actions.
|
| 04/03/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
This is the second complaint. Caliber Home Loans is committing ongoing escrow fraud which is very tiresome. They don't respond to letters or phone calls or emails.
( 1 ) PMI should be removed. We paid {$300.00} in XX/XX/XXXX for an appraisal which valued our home at {$370000.00} ( their fraudulent BPO said $ XXXX which is laughable ).
( 2 ) escrow fraud. We were never reimbursed for homeowner 's insurance despite the company continuing to collect for insurance in the escrow. As a further insult their XX/XX/XXXX purported new escrow calculation assumes PMI into XXXX - this is false. Under the 1998 PMI Act, PMI must be removed in XX/XX/XXXX, so how can they addPMI for a full year XX/XX/XXXX to XX/XX/XXXX to calculate the escrow? Fraud is the ONLY explanation.
|
| 08/22/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
At XXXX this morning I received two text messages " Thank you for being a Caliber Home Loans, Inc. customer. As you requested, the cell number on your account has been updated. '' " Thank you for being a Caliber Home Loans, Inc. customer. As you requested, you have been unsubscribed for eStatements. '' I called Caliber - and after explaining my concerns, twice, my call was redirected to the XXXX XXXX XXXX. The dealership stated no relation to Caliber. I called Caliber back a third time and they did not answer their line and disconnected the call. I called my spouse, filed a police report, emailed a letter from the Identity Theft program. Attempted calling several numbers listed on their website with no connection to any information or individuals possible.
|
| 09/22/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
TO WHOM IT MAY CONCERN : There is a major discrepancy in the amounts alleged owed on the rescinded mortgage loan.
We are writing to request Caliber Home Loans provide us with a Payoff Statement pursuant to XXXX XXXX XXXX XXXX c ) ( XXXX ).
" PAYOFF STATEMENTS. In connection with a consumer credit transaction secured by a consumer 's dwelling, a creditor, assignee or servicer, as applicable, must provide an accurate statement of the total outstanding balance that would be required to pay the consumer 's obligation in full as of a specified date. The statement shall be sent within a reasonable time, but in no case more than seven business days, after receiving a written request from the consumer or any person acting on behalf of the consumer. " Thank you.
|
| 06/15/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
Caliber Home Loans failed to make my escrow payment to my County taxes for my Home. I received a letter from XXXX XXXX County telling me my taxes were delinquent. I called my escrow department and they could not give me a answer on why my payment was not made. I went to the court house and made my XXXX tax payment plus the first XXXX months of XXXX because of the non payment of my taxes. I paid XXXX towards the last XXXX months of taxes. I faxed Caliber Home loans my receipt of payment and asked for a refund. That was over 65 days ago. When I call all they can tell me is they will be doing an escrow analysis, this has been going on for 65 days now and no analysis.Management refuses to call me back and caliber refuses to refund me my taxes. Please help me.
|
| 10/06/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I have submitted an earlier complaint. Compaint XXXX which has been closed. I thought that the CFPB was created to make sure that banks, lenders are treating people fairly??? I do not understand how banks can get away with such fraudulent practices. This is a UNITED STATES VETERAN with PRIVATE CONVENTIONAL LOAN. They have misrepresented to the CFPB what is actually going on and you are just allowing these practices with no actual monitoring of their practices. So what does the CFPB actually do???? What are your guidelines when a seller is facing foreclosure and a loan is being serviced released??? Why are these regulations not being enforced? You do not enforce your regulations?? How is this making sure that banks are treating AMERICAN VETERANS FAIRLY????
|
| 12/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
I closed on a {$300000.00} mortgage at 3.25 % for 15 years on XX/XX/2021. I selected a bi-monthly ACH payment schedule XXXX everything went fine until I received a " Friendly Reminder '' on XX/XX/2021 stating that I was past due in the amount of {$4200.00} XXXX threatening XXXX report me to the credit bureaus. I am not past due XXXX I have no idea where that figure came from. I sent an inquiry XXXX Caliber on XX/XX/XXXX XXXX was promised a reply in 2 business days. I have gotten no response from them, despite sending an additional 3 messages XXXX them. I can not cancel the ACH through Caliber 's website, so I am trying XXXX cancel it through my bank, XXXX. I filed a complaint with the XXXX XXXX XXXX but have not yet received a response from them.
|
| 03/13/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have a mortgage with Caliber Home Loans, which calls itself a collection agency rather than a bank. On two recent occasions, I made my regular monthly mortgage payment to Caliber and they did not deposit the payment, claiming that it was not associated with my bank account properly. They charged a late fee on both occasions. I fought to have the first late fee ( XX/XX/2016 ) reversed, but they have refused to reverse the second fee. The payments were made using my personal checking account, which I have had for many years and which has not changed in any way. Other payments from that checking account were cashed routinely without a problem. I suspect that Caliber is using the claim of " no account '' to add late fees to my, and perhaps other accounts.
|
| 12/31/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have been requesting a mortgage pay-off for the last 4 years but the lenders involved have not provided one for me. They submitted a pay-off in 2014 with the amounts they say are owed but the figures were not correct ; they lumped everything together and wo n't separate the amounts. There are monies I 've paid that are not reflecting on the pay-off they provided in 2014. They have kept my house in foreclosure for seven years and I have submitted modification packets 30+ times but they say they have not received all of my documentation the 30+ times I have submitted it. All I need is a correct pay-off with the lumped amounts separated so I can refinance with another company since it is evident, after seven years, they will not do a modification for me.
|
| 03/30/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I contacted Caliber mortgage company a week shot regarding my mortgage that is due is 15 days. I told them that the world was affected by the corona virus and pretty much all work has come to an complete stop including mine.
Im reporting Caliber mortgage company because they have no compassion towards what this epidemic has done to me and the world. XXXX XX/XX/XXXX/ XXXX XXXX has given their customers deferred payment options from 3-12 months which payment is pushed to the back of your 30 year plan..
Caliber mortgage ONLY offer 3 month forbearance which they compile all three months plus the new payment to be paid the fourth month.. no one is allowed to work during the corona virus outbreak so why are customers being penalized for this epidemic..
|
| 03/21/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Caliber Mortgage LN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Today I received the attached letter from Caliber. They have requested an authorization in order to be able to speak to me regarding their refusal to follow Bankruptcy Law. I had to explain to them that the reason they do not have an authorization on file is because they DELETED ALL THE DOCUMENTS WE SUBMITTED FOR THE SHORT SALE.
****THEY HAVE DELETED ALL THE DOCUMENTS WE HAVE SUBMITTED FOR THE SHORT SALE.
This is a violation of federal AND state law.
What else have they deleted and from how many client files??? What are they trying to hide???
Apparently Caliber feels they do not have to follow ANY type of laws whatsoever - not Bankruptcy Laws, not Federal Laws and not State Laws.
|
| 10/19/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
Caliber Home Loans services our mortgage. We authorized XXXX, our bank, to send a monthly mortgage payment to Caliber Home Loans and we verified with XXXX that the payment was sent to arrive on the due date. On the due date we received an automated call from Caliber stating our payment was not received. Finally, two days later we were able to speak with a live human being at Caliber, who asked us if we needed debt counseling. We have paid our mortgage on time every time for the last 11 years. Why would we need a debt counselor? XXXX, the customer service rep, refused to allow us to speak with a supervisor and basically told us there was nothing he could do. How is this possible? Is there anything we can do to transfer our mortgage to another company?
|
| 09/28/2020 |
Yes |
|
|
|
Web |
Servicemember |
|
I filed for a VA streamlined refinance loan on XX/XX/2020 & XX/XX/2020 loan # XXXX. Thereafter I filed for cares act protections due to covid.
The company repeatedly contacted me to review my Cares Act forbearance although I never missed a payment but refused to provide any guidance on the loan I reached out several times inclusive of a callback request to notify the lender I could not access the documentation to secure the loan but the lender has provided no responses in the matter.
I feel I am being penalized for merely filing for protection under the cares act and have been denied a refinance that would have provided significant savings.
I also believe the lender sent documentation to the incorrect mailing address further delaying the process.
|
| 07/24/2019 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
On XX/XX/2019 I was contacted by Caliber Home Loans to refinance, the only product offered was a FHA streamline refi. After having a third party review the closing docs, I come to find out that this was not the best option for me. The agent failed to explore all the refinancing options available to me. Since this process lacks an appraisal and it wasn't done I was placed back on a FHA loan when I could of saved more money by going conventional. Contacted the company and the manager agreed that Conversation could of been a better option but offered no way to remediate the companies lack of guiding me in the right direction. Not being presented with all the options has cost me about XXXX in the back end of the loan and about XXXX dollars more a month.
|
| 02/11/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I was a customer of the XXXX XXXX program where they submitted payments to the mortgage company on your behalf in an effort to pay off your mortgage earlier. The program worked great until they were sued. XXXX sent me an email letting me know they had been shut down but they already had my funds and they would make my payment. XXXX never made the payment and before I realized they did n't I was reported 30 days late with Caliber Home Loans. I have tried to dispute the charge but they refuse to remove it from my credit report. They said it is my fault I used a XXXX party company. I have filed XXXX disputes with Caliber home Loans and XXXX disputes with all three credit bureaus. Caliber refuses to remove it despite my good payment history in the past.
|
| 07/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
On or about XX/XX/XXXX i filed bankruptcy and included in the filing, a home i once owned t was therefore relinquished and forfeited. Caliber home loans left the loan open and is still open today even though the bankruptcy was closed in XXXX, and they continue to this day to report the activity on my credit report, included with these comments are actual letters from Caliber admitting they made mistakes and other illegal activity such as keeping the loan open in my name and letting other people service the loan. Caliber home loans has now sold the loan to another company, XXXX XXXX XXXX and failed to disclose any of the information about the bankruptcy proceedings, and they 9XXXX XXXX XXXX ) are now also reporting to my credit as a new foreclosure.
|
| 10/03/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
For the 2nd time in 19 months our mortgage payment is going up with no explanation why. Caliber Home Loans Inc. only states " in accordance with federal guidelines ''. In checking with the XXXX Assessor, there have been no changes in the value of the home and have not been notified of a property tax increase. So my wife and I are trying to find out why our mortgage amount has increased twice since we got the home last XX/XX/XXXX? No answers and no one has been forth coming. The principal and interest are fixed. Something seems awry and needs to be corrected.
When one budgets expenses, the expectations that costs are fixed. With and ever increasing mortgage payment, how is anyone supposed to stay in their home? I expect a swift resolution to this.
|
| 08/23/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
We received a Loan Modification Approval in XXXX 2016 from Caliber Home Loans. They required a reinstatement fee / good faith payment of {$2300.00} by XXXX XXXX, along with the documentation for the modification. We sent the executed modification documentation along with the fee, via cashier 's check and XXXX, which was received by Caliber on XXXX XXXX, as verified by XXXX delivery tracking. On XXXX XXXX, we were notified by XXXX XXXX XXXX XXXX XXXX XXXX XXXX that Caliber had submitted a bid to purchase our home at Foreclosure Auction on Wednesday XXXX XXXX ( 2 days from now ). We 've been advised by XXXX that we should file a complaint against Caliber for " dual tracking our loan '', which is what we are officially doing with this communication.
|
| 08/14/2018 |
Yes |
|
|
|
Web |
|
|
XXXX XXXX XXXX Sr. Loan Consultant XXXX ID XXXX State Lic. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Direct XXXX Fax XXXX XXXX XXXX ( Caliber Home Loans ) sold properties in a collaboration with XXXX XXXX XXXX and XXXX XXXX ( affordable housing with deed restrictions ). XXXX and Caliber Home Loans knew these homes were defective and quickly became uninhabitable shortly after closing ; yet, he continued to close on these homes and write mortgages on these properties where the consumer was being defrauded. XXXX was working in the builders best interest to the detriment of the consumer - mostly low income consumers who bought these lemon properties as their first home, then they were forced to walk away in far worse financial shape than before.
|
| 06/01/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Caliber Home Loans communicated on XX/XX/XXXX they will now be charging customers a {$3.00} transactional charge for any one-time payment ( reoccurring payments and mail-in are exempt ) starting XX/XX/XXXX. To be clear, this is charging someone for wishing to pay their loan on-time through " normal '' re-payment means ( online payments ). Further, it penalizes those who wish to make additional principal payments through the year. This is a anti-consumer fee, and is making one-time principle payments more difficult.
I don't believe this is violating any existing rules, but I am submitting this complaint with the hope rules will be crafted to restrict mortgage companies from charging fees to customers who are simply trying to pay their mortgage.
|
| 06/08/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
Today, XX/XX/2018, I received a notification that Caliber Home Loans would henceforth charge a {$3.00} fee for paying our mortgage online. Only if we authorize continuing automatic access to our checking account will that fee be waived. This policy is outrageous. I asked Custimer Service for the Caliber Corporate Offices number to complain about the policy but was refused that information. The corporate phone numbers appear to be nowhere on the web.
Again, I am angered on several levels : I asked specifically for a XXXX XXXX for our new house because of online access. Secondly, this is s cheap attempt to force automatic payments and access to personal accounts. Three, this is UNFAIR to veterans who count on access remotely during deployments.
|
| 04/20/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have been trying to get a loan Modification from Caliber Home Loans since XX/XX/XXXX. I have repeatedly filled out applications per there request. They just sent a denial letter stating I was ineligible for any short term loans or interest only loans. I was supposed to be being evaluated for a repayment plan. Now I have to start all over with an appeal process and they still wo n't accept my payments!!
There are discrepancies on the statement they have n't addressed. It says I accepted a loan modification in XX/XX/XXXX - I have never signed nor seen a modification document from them. They have payment reversals listed which I have no idea what those are for and they sent {$600.00} to my ex wife who is n't supposed to be on the loan anymore.
|
| 03/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I am going through a modification with a mortgage company. This will be the second time I have taken this mortgage company to court for predatory mortgage practices, In which i won the first time. This time however, this company has reported false numbers to the credit reporting agencies. They have chose to add the legal fees to my outstanding amount, which increases it tremendously. I won the first judgement in which they were responsible for the legal fees, but now it seems they are trying to ruin my credit and in return make it impossible to get a loan. I have never been late on a payment, however I am making modified payments as instructed by the mortgage company and my lawyer. So I do not understand how they can report false information.
|
| 11/07/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
I started the process of refinancing to cash out equity with XXXX XXXX XXXX on XXXX XXXX, XXXX. I was told that I called in at the " perfect time ''. The lender was offering a 2 % lender credit with a rate of 3.85 %. Plus the loan officer found a way to get the lender to pay for an appraisal. My appraisal came in and everything looked great. We were then informed that our loan amount would put us in a jumbo loan and that the rate would be much higher, no lender credits would be given and the {$1000.00} appraisal is now on us to pay at closing. I feel like this is bait and switch. The facts on our end have n't changed. Also to be noted is that the switch happened nearly a month in and it 's now been 56 days with still no closing date in sight.
|
| 06/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
"
|
| 02/07/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I have a mortgage with XXXX XXXX XXXX. I have been making my payments every month. Then when Hurricane Harvey Hit my city, Caliber told me that they deferred three months of my mortgage payments and put them on the back end because we were effected by the storm. When the time came that they told me to start making my payments they would not take my payment. They told me to wait to hear from them. I kept calling only to find out that they are not keeping their agreement and won't take my payment. It is as if they are trying to set me up and steal my home. Please help me with this critical matter. I have my payment that they told me to make and now they are telling me I need those three months of back payments as well. This is so very wrong
|
| 03/23/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
I have a mortgage that was sold to Caliber Home Loans last fall. I pay into an escrow account to cover property taxes and insurance. In XXXX XXXX I sent Caliber a copy of a property tax bill that I received from XXXX XXXX, VA, as instructed by Caliber. In XXXX of XXXX I received a delinquent notice from XXXX XXXX. I called the Tax Department at Caliber, giving them the pertinent information and was promised that the bill would be paid. On XXXX XXXX I received a second delinquent notice from XXXX XXXX, with penalties added to the amount owed. I called Caliber on XXXX XXXX and again was promised that the bill would be paid, but remain skeptical. As of today, I have an escrow account balance of {$3500.00} and the tax bill is for {$1900.00}.
|
| 03/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 02/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 08/30/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
On XX/XX/XXXX I paid out Caliber Home Loans - loan number- XXXX. According to my mortgage statement I had an escrow balance in excess of {$1100.00}. I sent 2 e-mails starting on XX/XX/XXXX and have left 2 messages. To date no response. Their automated system states that they will get back to you in 5 days that didn't happen.
Their XXXX number is XXXX. According to RESPA the refund should have been issued within 20 days.
Mr. XXXX XXXX is the Chief Executive Officer and should be made aware of what I believe to be a gross negligence that could result in a revocation of a Lender License for not complying with Federal Laws. At the least customer correspondence should be answered in a timely manner.
My number is XXXX Thank You XXXX XXXX
|
| 06/01/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I am desperately trying to save my home because I am on XXXX XXXX and the lender just keeps on making harder for me to save my home. I have my children and wife back home whom won't have anywhere else to go if this happens!
I called them this morning to accept a payment because I need to schedule one more payment in order to qualify for a modification. At first they said yes we can and now after XXXX ID : XXXX a supervisor from their house said she can't take my payment.
I am an XXXX XXXX XXXX who is serving our country and just needs to make one payment to save my home! I am not in foreclosure yet but they are getting close. I am just one payment away from qualifying. Per XXXX they can't foreclose on my home while I am XXXX XXXX.
|
| 04/26/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
XXXX XXXX XXXX sold our HELOC to Caliber Home Loans and immediately they applied payments not to our monthly payment and came up with extra fees that needed to be paid. As payments were made, they were applied not to the monthly amount due and thus showed that payments were missed and then said we were in default. This immediately followed with foreclosure. Each time I tried to work it out with them they gave us an amount owed and when we tried to pay that amount, the amount had gone up. This occurred three times. They have over charged interest. The balance is {$50000.00} the interest rate is 4.24 % they claim we owe over {$5000.00} which if you do the math and they have not had the mortgage for one year, it does not add up.
|
| 06/05/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
My Loan Servicer is Caliber Home Loans. I wrote to them about understanding my options regarding a loan modification. I sent my question to them at the end of XXXX. My spouse heard from them on XXXX XXXX, 2015. Caliber staff refused to discuss modification options. They said once they have updated financial information, they alone will decide what options, if any, we have. Caliber has been difficult and rude. Under the present terms of our loan, we are supposed to assume a 20 year amortization. How can we understand our rights? I am XXXX and trying to assist my spouse in this matter. Please respond to XXXX of us at : XXXXXXXXXXXX XXXX XXXX XXXX ) and XXXXXXXXXXXX ( XXXX XXXX ). The home telephone number in Virginia is XXXX. Thank you
|
| 11/23/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Caliber Home Loans continues to place harassing phone calls to my phone despite being advised that I owe no debt. They call in regards to a XXXX XXXX who I have no affiliation with. In the most recent call the bill collector failed to identify himself or the company calling and what it was in regards to which is a clear violation of federal law. I call the Company back and spoke with representative XXXX who would only provide part of his name XXXX employee number XXXX.
Call XX/XX/XXXX at XXXX Call XX/XX/XXXX at XXXX I continue to receive harassing and distressing phone calls from this company and they have now began using illegal collections tactics. I urge the CFPB to pursue an investigation into this company and their practices.
|
| 04/25/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Caliber Home Loans Foreclosed On Me and My Wife XXXX, XXXX XXXX They Won the Foreclosure!! However We Won a Judgement of XXXX Dollars Against XXXX XXXX XXXX Which was Our Credit Life and Disability Insurance Provider and as I Became XXXX They Denied My Claims But in Court They Lost Which Honorable Judge XXXX XXXX Awarded Me XXXX Calibers Attorney XXXX XXXX from XXXX, XXXX and XXXX XXXX XXXX in XXXX Ohio Agreed to a Stay UNTIL My Award was Collected and I Have Been Receiving Harrasing Phone Calls Morning Noon and Night I Have Asked Them to STOP Told Them The Attorneys Names and Numbers to Contact Them and They Continue to Harass Me and My Wife All Hours of the Night and Day if Something Dont STOP THEM I WILL Once and For All!!!!!!!
|
| 03/15/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
An offer was submitted for review on a system called XXXX ( very bad and difficult system to navigate ) and the lender informed my authorized 3rd party that they needed to have the Property released from my Bankruptcy. once it was released they asked to submit a new offer and voided the previous offer. I called this morning and asked to speak with someone who then informed me that they required 37 days to review and that the schedule sale date was too close and they would cancel the new increased offer which would have been submitted today. They also said that Bankruptcy should n't be used as a tool to stop the sale. Which i think is a matter of personal opinion as i will fight to keep my credit and avoid a foreclosure altogether.
|
| 07/07/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I am shopping for a new home and submitted an offer for purchase for a local property. One of the stipulations before the offer would even be accepted for consideration was that I obtain a prequalification letter from a specific lender. As a bank employee with stellar credit and virtually no debt, it was MUCH easier for me to become prequalified with my employer ( they have my existing mortgage, all my bank and investment accounts, and access to my income records ). Long story short, I feel like this is coercion and thought this was illegal. In speaking with a representative at the NC board of realtors, they say it is not illegal at all. Wanted to bring this to your attention. Needless to say, I did not proceed with the purchase.
|
| 08/19/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I submitted a request for home loan modification from Caliber Home Loans on XXXX XXXX, 2015. Caliber send a letter dated XXXX XXXX, 2015 that they received our package and is considered complete and ready for review. They sent a decision letter dated XXXX XXXX, 2015 denying our case, but their denial reason does not make sense. Our income did not allow us to afford our mortgage for the reason stated on our hardship letter, but it was recently increased in XXXX 2015, now our servicer Caliber, stated that because this income increase we can afford our mortgage payments, but did not consider the fact that we can not afford to bring the {$66000.00} default, please help us to obtain a reasonable and common sense review of our request.
|
| 08/07/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
2022 I made caliber mortgage that I was applying for the American rescue plan they even sent confirmation to Caliber Mortgage I was initially denied after waiting 90 days I reapplied by that time caliber has me late during my forbearance With caliber, Ill tried a loan modification They didnt except it, and I have other means to pay and caliber add more to be transferred my mortgage shellpoint Then it took another 3 months I have all the emails and contact information I have repeatedly called caliber to change it on my credit report in good faith and I got no return I am XXXX XXXX XXXXXXXX I have an opportunity to buy a affordable housing to bet meet my physical needs I am unable to get a small mortgage Due to Unfair late charges
|
| 12/11/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
We have applied for a re-fi with our current mortgage company Caliber Home Loans XXXX XXXX XXXX XXXX XXXX beginning in XXXX of 2020. I have filled disclosure forms, had my credit run, and allegedly been approved on three separate occasions. Each time told the mortgage was going into final approval, then the process starts over. I don't understand what's happening but it seems the company is acting in bad faith. Since beginning this process I've been submitted to relentless adds and calls from companies claiming to be affiliated with Caliber. I feel they may no longer be a legitimate company. The processor XXXX XXXX does not respond to calls or emails. I have over 30 corresponding emails so I'm not sure which ones to attach here?
|
| 05/13/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I took a loan out with XXXX XXXX back in XXXX that was modified by the Federal Government. Then these recent group of companies hiding behind XXXX XXXX are attempting to say I owe them money when this loan was paid off long ago and they know it. As a matter of fact XXXX XXXX has recently been fined $ XXXX by the OCC and I wonder if you can forward this complaint to them as well. The acting agent of XXXX XXXX is Caliber Home Loans. I attach a copy of the complaint and they have been posting my payments to Unapplied F unds and Escrow and not to Principal as agreed. In fact I had {$13000.00} in Escrow back in XXXX which were never applied to Principal.Thank you so much for your help. XXXX XXXX
|
| 11/01/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
PREVIOUS OWNER XXXX XXXX THIS IS A FOLLOW UP FOR CASE # XXXX FILED WITH CONSUMER REPORT XX/XX/XXXX ALONG WITH CALIBER HOME LOANS RESPOSE LETTER, CLOSING COMPANY HAD CONTACTED CALIBER SINCE XX/XX/XXXX WITH SLOW TO NO RESPONSE.
PER CALIBER REQUEST IN WHICH ALREADY BEEN PROVIDED BY CLOSING COMPANY. DOCUMENTS ENCLOSED ARE XXXX XXXX XXXX ACCOUNT # XXXX ( COPIES ENCLOSED ) ONE LOAN UNDER XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, OK.XXXX HAS 7 PROPERTIES INSIDE THIS LOAN, ONLY ONE PROPERTY BEEN RELEASED XXXX - XXXX XXXX XXXX XXXX. XXXX XXXX, OK. XXXX THIS LOAN WAS SOLD BY XXXX XXXX XXXX TO CALIBER HOME LOANS XX/XX/XXXX.
CALIBER LOAN # XXXX WHICH HAS SAME 7 PROPERTIES.
PLEASE RELEASE REMAINIG 6 ADDRESSES PER COPIES PROVIDED.
THANK YOU
|
| 01/08/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
Older American |
|
Caliber home loans " contacted me by mail to refinance my mortgage they now hold my XXXXmortgage I was put in touch with a loan officer XXXX and before a loan officer XXXX XXXX he told me caliber will add all our credit cards and auto loan and pay them off and add this amount to our new mortgage at a XXXX percentage for 20 years and caliber would pay all costs at closing I would only pay appraisal cost the loan officer told me all was good with the loan and removed XXXX dollars from my XXXX XXXX card caliber drug this out for over 3 months now they said they would not approve loan because of credit limit to high caliber was to pay these off at closing I have contacted you about this earlier but with less information thank you
|
| 11/29/2016 |
Yes |
- Mortgage
- Reverse mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Yes I received a pre approve loss mitigation application they Sai all I have to do was signed it and overnight it after reading over it carefully we discovered clause that was n't explain to us like lower your payment after 5 years your payment goes back up we are liking five years before our house is paid off and they are talking about another 30 years and at first they were asking for pay stubs and bank statements and my wife award letter so how can they do this without documents I am 3 months behind on my mortgage I told them I Will be making a payment and half by XX/XX/XXXX and on XX/XX/XXXX and I will not signed it please give some advice I never face anything like this my mortgage sold to another mortgage very unhappy.
|
| 03/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have been charged 4 times for taxes last year in my escrow account.
XXXX XXXX and $ XXXX and XXXX XXXX and {$19.00} Im only supposed to be charged 2 times @ {$1400.00} thats in my closing documents.
{$2800.00} is what my total tax payment each year is supposed to be.
I have had my escrow go into the negative multiple times. I even tried to correct it by PAYING an EXTRA {$1000.00} on XX/XX/2022. Just to have it go into the negative again not even a month later- {$660.00} Caliber Home Loans tax department wont answer my calls. I need help. I cant keep taking time off work to call these buffoons and not even have them answer. They keep telling me to talk to the borough. The borough says its calibers issue. HELP ME PLEASE
|
| 05/06/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
|
| 11/28/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I was approved for 18month of payment assistance from XXXX XXXX XXXX and only 2 payments have posted on my account no payment was made since XXXX so my account is extremely past due for XXXX, XXXX, XXXX payment please help me get these payments applied! I recently received a letter stating my mortgage with transfer to XXXX as of XXXX XXXX but my account is past due from payments not being applied from XXXX so what is XXXX puts me in foreclosure please help me bring my account current before the transfer also I have called XXXX requesting tickets be put in on applying my payment because XXXX stated they have been sending out payments the XXXX of everY month. Please help me find a solution to get my account up to date.
|
| 10/10/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Once my XXXX was confirmed on XXXX 2009, my lender failed to send me monthly statements with the new amount. It took many letters and calls and over 6 months before I received my first incorrect statement.
According to the BK court, XXXX XXXX XXXX, modified the existing loan to be {$790.00} and the Debtor will pay the taxes for the property.
The Debtor paid the taxes for the first year, but XXXX ( the previous bank ) still charged the Debtor for the taxes.
Since then the banks never allowed the Debtor to pay the taxes and the new lender informed me that they have no records previous to them taking over the loan.
The new lender is currently Caliber home loans and they told me that I owe them {$13000.00} in back taxes.
|
| 09/18/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
DATE : XX/XX/2016 TO : CALIBER HOME LOANS XXXX XXXX, XXXX XXXX FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : Information Request Mortgage Loan Number : XXXX I am writing to request the information described below in regard to the mortgage on my property at XXXX XXXX XXXX. XXXX, XXXX XXXX.
Why did it take your company more than 5 days, to mail a RESPA receipt, in response to a correspondence you received on XX/XX/2016? I am attaching documentation to prove your company failed to respond within 5 days, dated XX/XX/2016, post marked XX/XX/2016.
If you need to contact me to discuss this request, I can be reached at, XXXXXXXXXXXX, or XXXX XXXX XXXX. XXXX, XXXX XXXX.
Sincerely, XXXX XXXX XXXX XXXX
|
| 09/23/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
XXXX XXXX XXXX recently helped in getting my mortgage payments and to help avoid foreclosure. I signed the agreement and recently got notified that my pension would decrease {$760.00} in XX/XX/XXXX when I turn XXXX. Caliber did help me in trying to keep my home but the payments were changed from the trial amount to {$760.00}. Since I am loosing almost the amount of my mortgage payment I will still be facing hardship. XXXX said I qualified for a $ XXXX payment. Will u please work with me and lower my payments. I bought the home in XX/XX/XXXX when my daughter was a baby so she could have a place to call home which I never did. I worry always about having to move and need your help desperately. Please help me.. Bless you
|
| 10/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
This is my second complaint. This will be month XXXX of our payments from FL XXXX XXXX XXXXXXXX not being applied to our loan. There is proof that XXXX is sending checks, but they are not reaching account or being applied. I am waiting as long as I can during the month to give Caliber time to apply the funds, but this is now over 60 days without any payments applied to account. I am not able to pay, that is why I qualify for the assistance. This is my wits end. My first payment from XXXX was applied to my home loan in XXXX, so I know that the system works. Caliber is not doing the leg work to assure my funds from XXXX are applied and I have heard this from many other people who deal with them as their lender as well.
|
| 10/24/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I am doing the short sale for this property with a closing date of XXXX. I already asked for one extension. The home is not in the best conditions and required repairs on the buyer part XXXX they already invested money in a home that is n't theirs XXXX Now we are having issues with the city because they require an inspection which then might require repairs. The buyer is requesting an additional XXXX week extension to get everything figured out with the city. This home does not have a foreclosure date. The negotiator on the file is saying the investor says no extensions however there is no foreclosure date. What are they going to do just close the file and accept no more offers when the house did not go foreclosure?
|
| 03/09/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
The lender failed to provide the client and our office a detailed explanation of the reasons for loan modification denial in violation of Regulation X, 12 C.F.R. 1024.41 ( h ).
Please cease and desist all foreclosure activity pending resolution of an appeal in accordance with Regulation X, 12 C.F.R. 1024.41 ( g ) .. The lender has stated that they denied the loan mod review due to incomplete package being received for review - The lender did not request a Letter of Explanation for XXXX income and did not send a missing letter document or a denial to the client. If they would have done there due diligence in the review of the file they would have found that XXXX is not employed so there were no pay stubs to provide.
|
| 06/08/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I am filing a complaint in regards to Caliber Home loans and their management of my escrow account. It is absolutely inexcusable that I have lost my homeowners insurance policy because they failed to mail the check from escrow account in time to be cashed by my insurance agency. Then I am being asked to spend my own money to cover the period in which I am uninsured? What is the point of an escrow account! I have made EVERY mortgage payment on time and should not be dealing with the leg work of sloppy mortgage companies. When I called Caliber to attempt to resolve this issue myself they were incredibly unhelpful and did nothing to make me reassured that I was a valued costumer and that my home was important to them.
|
| 10/08/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Caliber Home Loan, has violated the law by failing to provide XX/XX/2015, mortgage statement. I have ask for XX/XX/2015 mortgage statement, on multiple occasions. I have also ask why your company why it has failed to provide the statement for XX/XX/2015, with no response, thus far. Will you please provide statement for XX/XX/2015?
If you can not provide statement for XX/XX/2015, I ask that you immediately cease foreclosure proceedings, and fixed all errors, in accordance with law.
Your companies arrogance, and blatant violation of rules, set forth by agencies of the US government are troublesome.
Thank you for your cooperation as we do n't want to lose our home and this information will help us to save our home.
|
| 01/26/2018 |
Yes |
|
|
|
Web |
Servicemember |
|
This was a VA loan and they overcharged on the fee for points according to VA. They took almost 3 months and complained they had too many other customers to take care of my application. I was also told I would have 2 months with no payments with new bank and the loan did not close until XX/XX/XXXX and the payment was due to XXXX by XX/XX/XXXX so I had to pay as I promised to pay according the the Home Modification Program. I have called and tried to explain what they did but was told I got a good loan and to have a good life, they are done with me. The loan application was started XX/XX/XXXX and completed XX/XX/XXXX, they knew I was leaving the country on XX/XX/XXXX for 2 weeks so I could not do anything about it.
|
| 04/29/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have been contacting Caliber Home Loans XXXX times since XXXX XXXX in order to obtain an escrow analysis. My loan started in XXXX at which time the XXXX XXXX was not yet applied. It was applied around XXXX XXXX and I have asked to 1 ) have a reduction in escrow ( ultimately monthly payment ) and 2 ) be refunded an overpayment which is as of today is approx {$1600.00} and each month {$300.00} is added to this amount. I keep being told each time to wait XXXX days and nothing happens. I have talked to XXXX ( teller id XXXX ), XXXX in Tax, XXXX XXXX, supervisor in tax whos phone # is XXXX, XXXX ( teller id XXXX ) and XXXX XXXX, supervisor -- XXXX refused to give me her direct phone number but her extension is XXXX.
|
| 03/20/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
I financed my home with a local lender thinking support the community and of course the paper has been " sold '' at least XXXX. My mortgage now rests with Caliber Home Loans, XXXX. XXXX XXXX, XXXX, OH XXXX. I received an escrow analysis dated XXXX/XXXX/XX/XX/2015 which informed me of a shortage of {$2000.00} on XXXX/XXXX/XX/XX/2015 and my payments will increase from {$770.00}, which I have paid on time for the last XXXX months, to {$1000.00}. This is due to XXXX increase in premiums to {$3000.00}. I 've canceled XXXX on XXXX/XXXX/XX/XX/2015, expiration is XXXX/XXXX/XX/XX/2015, and changed insurance companies to XXXX starting XXXX/XXXX/XX/XX/2015. The premium is {$2000.00}. The principal and interest is {$560.00}
|
| 08/13/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have been under active review with this lender for over two months. They have placed my sale date on hold in the past. The underwriter requested further information from me which I provided to them within 5 business days. After calling to make sure they received the information from me, they informed me that they received the documents and that I was in active review but that the sale was still moving forward on XXXX/XXXX/15. I believe that this is dual tracking as they have had a complete file but the underwriter needed another bank statement, which I in fact provided in a timely manner. There is already an opening bid for my home. They are not giving me options to foreclosure. Their tactics are underhanded
|
| 12/07/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
after hurricane Irma I was given 3 months no payment to be added at end of mortgage. due to state of emergency. when I went to pay my XXXX mortgage it stated I was three months late. I contacted company to ask why. They stated they were told they did not have to honor that agreement and I had to pay 4 months now all at once.my job relocated after hurricane & house was for sale. closing XXXX/XXXX/18. they have ruined my credit and lied. we were in a disaster and company never notified me that they were not going to honor the agreement to thousand of people not just me. I want credit fixed and them to honor agreement and let me pay my XXXX and XXXX payment. & restore my credit so I may buy in area I work in now
|
| 12/05/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Received a Homestead Exemption and a XXXX Exemption back in XXXX 2016 form the XXXX County Tax Assessor 's Office, but Caliber Home Loans refuses to update my mortgage payment to reflect the decrease in my escrow account. I have called several times and was given conflicting information regarding the process. I was advised by a Caliber supervisor back in XXXX 2016 that the tax changes are automatically updated electronically ; however, today, XXXX XXXX, 2016 I was advised by a customer service rep that the homeowner is responsible for providing the updated paper work. The tax assessor 's office states that it is done automatically, but to the contrary the information has not been updated in my escrow account.
|
| 12/11/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Caliber Home Loans is not following the provisions allowed under the CARES Act for my XXXX XXXX loan forbearance extension request.
The end of my initial 180 day forbearance period is XX/XX/XXXX. I received a letter in the mail explaining my options ( dated XX/XX/XXXX ), one of which is an extension of up to 180 days.
On XX/XX/XXXX I called Caliber Home Loans to request an extension on my forbearance for the full 180 days. I spoke with 2 representatives who both told me their system will only allow a 2 or 3 month extension.
XXXX XXXX and the CARES Act make it clear that if an extension is requested is shall be granted to the borrower. I feel Caliber is not allowing me the provisions that I am entitled to.
|
| 01/16/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XX/XX/XXXX Modification granted ( All taxes and monies calculated ) XX/XX/XXXX- Caliber messed up escrow analaysis overcharged for payment XX/XX/XXXX- Escrow department issued a surplus credit ( {$370.00} ) XX/XX/XXXX- Escrow department states the account has a XXXX Called rep for Caliber on XX/XX/XXXX and asked why {$660.00} added to my XXXX payment and they stated in XXXX XXXX, they did an escrow analysis and I was short. So in XXXX I need to pay this mystery shortage. I asked for a supervisor because the associate was at this point not very helpful and I was told the supervisor was not available. I emailed a request for an explanation. The bank is unable to show me where this mysterious shortage came from
|
| 02/01/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
We have had our loan with caliber home loans for the last five months. Every single month something is wrong with our account. We consistently get erroneous late letters and late fees. We have tried to pay early, we have tried to pay on time, we have tried over the phone and talking to a specialist. Nothing seems to work. Last week when I called the company, the automated system said I am enrolled in Covid relief program??? Then my loan says I owe the original loan amount and I am over 90 days late??? Now the automated system is saying something about a debt collection. We have never been late and have always paid on time. Caliber home loans is extremely frustrating and I am concern about my credit report.
|
| 11/06/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I have a rate locked in with Caliber Home Loans for a refinance. This was done in mid XX/XX/2020.
The rate lock expired XX/XX/2020, the terms were changed by Caliber after the rate lock expired and they have since provided 3 different loan disclosures with different terms.
- {$11000.00} in closing costs, vs. the original {$97.00} - {$8000.00} in closing costs, vs. the original {$97.00} - in an email, then reduced to {$5000.00} vs original {$97.00} Leading up to the rate lock expiration date, I have followed up several times by email, that the rate lock was expiring and how much longer it was taking to close the loan. I had provided all documents on time always.
They changed their terms after the fact.
|
| 11/07/2022 |
Yes |
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act Caliber Home Loans Account # XXXX has violated my rights.
15 USC 1681 Section 602 states i have the right to privacy.
15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1681a Definitions ; rules of construction- Exclusions- except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 UCS 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for purpose.
|
| 02/15/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Caliber Homes Loans ( XXXX XXXX ) is trying to collect on a debt that has been charge off, while debt was still being paid on auto pay, with out having the complete file they claimed was transfer they have start foreclose without sending, breach, acceleration, nothing.
My mother had credit insurance on the mortgage that was filed in Official Land records of XXXX County. with no corrective or any paperwork to prove there claim that she did not have it. after finding out that a trust ( XXXX XXXX XXXX XXXX ) is not an actual bank, but a trust with no documents. refuse to supply information requested.
Asking for Validation. as the records in the county do not support what they are claiming as investors.
|
| 04/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
- was in forbearance during XXXX -signed a deferral agreement in XXXX XXXX XXXX XXXXstarted making payments since XX/XX/2021 as per agreement signed -account is still not up to date and all payments have been made -every time I ask a representative on the phone about when the account will be up to date and restored online and all, they can never give a concrete answer and even when I speak to a manager, they keep saying the same thing over and over again that it is in processing and should be up and running soon, its been about 6 months. They are the worst mortgage company I have ever dealt with. I know others that were in forbearance and they were up to date a week after signing the deferral agreement.
|
| 03/04/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I was selling to a Broker the house. I was behind in payments because of unemployment and rather sell than have property repossess. The Title company paid XXXX early ( as agreed ) the full amount of the debt. The check was received XXXX XXXX, ( the title company had until XXXX XXXX to pay and get the property ). Now on the XXXX of XXXX XXXX sold my account to Caliber Home Loans. In XXXX I received a letter that I owe XXXX cents plus {$1000.00} on interest on a 30 yrs. mortgage. The XXXX cents were " sold '' by XXXX? Now the check was processed by XXXX on the XXXX eventhough the " property and loan had been sold to sister company Caliber H L a day before. My debt is going up exponentially. What can I do?
|
| 02/25/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
QWR and DVR and Complaint. According to computer generated respond, a hedge fund XXXX XXXXXXXX XXXX ( under XXXX XXXX XXXX and XXXX XXXX executives leadership ) who own some " servicing rights '', acted under glimpse of Caliber Home Lona , Inc. and insisted that effective XX/XX/XXXX, the servicing rights for the alleged " Loan '' were released from XXXX XXXX XXXX and transferred to Caliber. Caliber processed payments, credits, charges, and advances while it was servicer for the Loan.
Please identify WHO released servicing rights from XXXX to Caliber [ the name of the Company and its individual responsible representative ] and for WHOM Caliber collected and processed my payments between XXXX to XXXX
|
| 02/14/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I was impacted by 2 CA wildfire national disasters, one in XX/XX/XXXX & XX/XX/XXXX. I have been requesting disaster assistance but have not been told I can not apply for disaster assistance, but to apply for a modification. I was told that if I submit all the documents, my sale date would be postponed while my documents are reviewed. I submitted all te documents within the time frame-but the sale date has not been delayed & I have not been able to discuss my options with a representative. I am also concerned bc of a transfer date error by caliber, which caused delays in my obtaining assistance from the correct servicer, please see attached documents, since my loan was transferred during the disaster.
|
| 03/10/2018 |
Yes |
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Caliber Home Loans put a 30 day late and past due delinquency on my credit report and the mortgage payment was not late.They were paid over the phone and charged me an additional XXXX. After reporting such erroneous information on my report, my score dropped over 70 points and I was denied credit from other creditors. In addition, I was embarrased and my character was defamed. I wrote the company and asked them to update their records and remove the late because this is a violation of the Fair Credit Reporting Act ( FCRA ). I received a letter from them stating that they are investigating the matter. I was a victim of inacurate and unfair credit reporting. Please help me by investigating this matter.
|
| 03/21/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have made at least three requests for modification of my mortgage with Caliber Home Loans, all of which have been denied. They have not provided sufficient reason for the denial and three appeal letters have always resulted in a denial. I am concerned about the practices of Caliber Home Loans and their possible discrimination against certain type homeowners. They appear to want to appeal to all homeowners and say that offer help for distressed mortgages etc, but they have made no effort to assist us as evidenced by all the denial of modification requests. They only have been servicing our mortgage since XX/XX/XXXX and since this time have been not been helpful in ensuring we can remain in our home.
|
| 10/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
The finance company intentionally underestimated the escrow to gain business.
I purchased a house XX/XX/2019. At the time of closure county taxes, insurance was known to the finance company and escrow account was set up.
To gain business, the finance company intentionally lied about what funds were required in the escrow account setting up additional payments now. In this day and age it would take monumental incompetence to XXXX up escrow estimates with accurate tax information and I believe the company intentionally underestimates escrow or completely disregards due diligence. Either way I am extremely dissatisfied with the actions of cal-h.
Anyone doing business with caliber should take care.
|
| 11/22/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
The company escheated {$420.00} to the state of PA. I am trying to claim the money from the state but they need a holder verification form completed to prove the money belongs to me. This money is the appraisal fee I paid to Caliber Home loans in connection with my application in XX/XX/2013. This application was to purchase a home and was subsequently declined. The address they had on file to mail the check to was the property address that we did not buy. I have left several messages for the customer resolution team and have not received a call back. I also spoke with the Loan Servicing department and they advised I had to speak with loan originations which is the department I've left messages for.
|
| 06/21/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
We have issues with our mortgage company. Our payment is always changing. On XXXX XXXX we received a letter showing that there is a shortage of XXXX. These payments were to start on XXXX to XXXX. Every month adding XXXX to our mortgage payments. Our payments are XXXX my payments were behind according to them. My bank pulled all the information on my mortgage. So I have cancelled checks and bank statements that show we did make payments. We are no way 6 months behind, maybe 2 payments. They have us being 6 months behind reporting at the credit bureau I have made out a application for a modification, but, I do have equity in my home, how would that work using the equity of my home Thank You XXXX XXXX
|
| 10/14/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
I was never notified that my loan was transferred to Caliber Home Loans. I reached out to Caliber and was provided with a Welcome Packet in XXXX 2015. At that point I proceeded with sending in documentation to be reviewed for a loan modification. I was never given a number for HUD nor was I ever notified of a Trustee sale for this Monday, XXXX XXXX, 2015 XXXX until just last week. I know that I am supposed to be notified within 22 days of the sale and I was in fact not until just last week. I have not yet been denied for the modification but yet they are not informing me whether or not they will be postponing the foreclosure sale. I am now being forced to seek alternative options to save my house.
|
| 05/30/2019 |
Yes |
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I was contacted by Caliber Home loans associate named XXXX in the re-finance department she wanted to go over some options for a possible refinance she told me that she would just be Checking rates to see if it was possible to lower my payment I asked her twice if she would be pulling my credit report report and she said No because is not needed to check rates I know that to be true because I spoke with XXXX XXXX XXXX XXXX and did the same thing and they did not pull my credit. she never once stated or ask me for my permission to pull my credit report I woke up this morning on XX/XX/2019 and my credit report has been pulled a Caliber Home Loans without my consent. I know thats against CFPB rules
|
| 01/25/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
After several emails and phone calls, Caliber home loans gave me a SPOC to speak to only 1 representative to get my account straight. The extension they gave me was XXXX and XXXX was my Singe point of contact,, After being disconnected twice, XXXX employee number XXXX answered the call.. He did not know of any XXXX working that day. I have asked numerous times how many payments did I make during XXXX XXXX. Simple question, but nobody will give me answer, because the loan was transferred several times. I was behind on payments and to avoid foreclosure, I paid in excess of {$62000.00} in XXXX 2016. According to Caliber I was XXXX payments behind, but I never received credit for the payments I made.
|
| 10/01/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Borrower was notified XX/XX/XXXX by XXXX County Courthouse that there were past due taxes on the home. Borrower notified Caliber Home Loans via fax and phone of the past due taxes as well as included the statements from the courthouse of taxes due for XX/XX/XXXX as well as XX/XX/XXXX.
Contacted Caliber again XX/XX/XXXX and spoke with XXXX XXXX, manager of Customer Service regarding the unpaid taxes from XX/XX/XXXX as well as the now past due taxes for XX/XX/XXXX. Continued communication with XXXX XXXX throughout XX/XX/XXXX have yielded no results on taxes being paid. Now have been notified by XXXX County Courthouse that home is scheduled for auction if past due taxes are not paid by XX/XX/XXXX.
|
| 01/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We took out a mortgage with XXXX XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX it was purchased by XXXX XXXX and the alleged servicers have denied this fact so they have committed fraud on the Court and violated FDCPA, RESPA, TILA, FAC, etc.
We have requested further information regarding the CANCELLED NOTE and they have yet to provide it so we have contacted the FBI to investigate.
We have an automatic stay in place with the XXXX XXXX and have filed for an Order to Show Cause ( OSC ) why the Servicers and Trustees are not in contempt of Court for violating the automatic stay and have repeated that we want all the documentation regarding this loan including the CANCELLED NOTE as soon as possible.
|
| 09/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have two mortgages with Caliber Home Loans. In XX/XX/XXXX, i attempted to set up biweekly automatic payments. I called and I asked to have automatic payments deducted biweekly for each mortgage. I was told there was an issue with the online system to set this up but they would mail me forms to fill out, and they could not set this up over the phone. I have never received the forms. I have called several times and each month when Ive made my payment I attempt to see if the issue with the online auto payment is available for biweekly. As of XX/XX/XXXX it is not.
I have had other mortgage companies and have never had an issue with setting up biweekly payments either over the phone or online.
|
| 03/12/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
We purchased a home through Caliber Home Loans in XX/XX/2021. Since then we have been trying to contact Caliber Home Loans to set up our payment as bi-weekly. We have spoken to several people on the phone, often after waiting an average of 45 minutes. They all have told us a different thing. We've been asked four times now to submit the same paperwork yet we continually get told our attempt to enroll in their recurring automated payment system has been unsuccessful. We went with Caliber because we were told they were military friendly but when you can't get a straight answer and they have not been able to enroll us in the payment plan we have requested for four months now something seems off.
|
| 12/19/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Loan was bought by caliber hone loans. This is a company I inquired about a loan but decided not to do business with. They bought my home loan from my bank. I have no idea how or where to pay. There is Zero customer service and its impossible to talk to a human. This is terrible. One, I demand they sell my loan elsewhere where I can at a minimum talk to a human and know how/where to even make a payment. I dislike this company so much that I might sell my home, even at a loss, to get away from. How can you buy a loan, give no information on how to pay, and have no human you can talk to. Even if this is straightened out, they no ability to talk to anyone if there is a problem or even a question
|
| 04/14/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
My home is in foreclosure, and despite the fact that in XXXX, Caliber/XXXX Master Permanent Trust informed me that they were the new creditor/assignee of my mortgage, there is no recording in land records as to this day to support this, and further, XXXX, the supposedly " former '' loan holder still continues to be listed as the plaintiff in the Sheriff 's sale. I suspect that Caliber may be deliberately not recording recent changes in mortgage assignments to further enrich themselves, ( by avoiding paying the real estate recording fees ) and at the same time to shield themselves from legal action, as technically, XXXX is still the plaintiff. I feel that XXXX and Caliber are in colusion.
|
| 09/13/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I've been making my payments via phone to Caliber Homeloans and pay an extra {$8.00} a month. Never missed a payment nor has one ever been late.
This week I get a letter due to so many insufficent funds I now have to get a money order. I've called numerous times they said I set up a automated account which I started to but I have never used. Caliber has tried taking my money. XXXX XXXX has now blocked Caliber. All my payments are from XXXX and have been on time for 3 years. Today I had to pay {$25.00} to have my check over night sent. I asked if caliber could make my payment date the XXXX since I get paid on the XXXX they said no unless I want to refinance.IVE NEVER HAD A LATE PAYMENT.
|
| 11/20/2015 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I am beside myself. I have been unemployed for one year, I have worked my entire life, and not once utilized public assistance. In my time of need, I have been met by denials by non profits, HUD Counselors, Caliber Mortgage, and XXXX AZ lawyers. By XXXX/XXXX/2015 I will be on the street with my daughter. She has been traumatized by the mounting stressors of having utilities shut off, minimal food, and increasing detriment to her self esteem. I am a XXXX who is chastised daily XXXX who is reveling at my failure. I have no faith in humanity due to having no assistance, advocate, or thought of my child. I can no longer call people to help as I do not think I can take in any more rejection.
|
| 11/18/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Caliber Home Loans repeatedly calls my Cell Phone for a Debt XXXX XXXX from NJ owes due to being delinquent on home loans. I have been assured on five occasions that the number has been removed and they continue to harass me. The calls have been going on for 4 years despite repeated attempts to convince them it is not my loan. Today, XX/XX/2020 I received a call from Caliber Home Loans. I have already filed a complaint and Caliber Home Loans responded saying they would no longer contact me. I have also filed a complaint with the State of Texas Office of the Attorney General. Caliber Home Loans XXXX XXXX XXXX XXXX XXXX. XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
|
| 05/19/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Caliber Home Loans, Inc failed to acknowledge that my obligation to this property was satisfied and completed on XX/XX/XXXX through the Bankruptcy which remedied all outstanding obligations. The court document- Motion to Value and Determine Secured Status of Lien on Real Property was agreed by both parties in XX/XX/XXXX without objection to a new value of $ XXXX not the value Caliber reported to the credit bureaus- {$64000.00}. The new value/debt of $ {$38000.00} was successfully paid upon completion of the plan which is demonstrated by the attachments. As a result of Caliber reporting non payments- my credit score dropped approx 42 points and my credit card closed by the merchant.
|
| 11/07/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage servicer Caliber home loans ( loan # XXXX ) received a check from the HAF program ( application # XXXX ) in the amount of {$17000.00} on XX/XX/XXXX. I confirmed this with XXXX ( XXXX XXXX XXXXXXXX ) at Caliber on XX/XX/2022. As of today the funds still have not been posted to my account. My loan was sold to XXXX XXXXXXXX XXXX on XX/XX/XXXX and the past due balance is over {$18000.00} now. This is impacting my credit, Caliber has had people out inspecting the inside and outside of my home because my mortgage is in default. I have been calling Caliber home loans twice a month for 5 months trying to get this corrected and every time I call I get a new excuse. Please help.
|
| 07/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This is follow up to a case already filed with the CFPB, that number is : XXXX. The response received from Caliber was inaccurate, as well yesterday they reported to XXXX that my mortgage is 30 days late. Attached is verification of the report and the lines below are the inaccurate statements in the response, both of which fall under the heading Requested Clarification : 1. It should be noted that it was an error on Caliber 's side that my account was taken off automatic recurring drafts for my loan and that specific statement would be reported to the credit bureau. 2. There was no attempt by Caliber to contact me on XX/XX/XXXX or XXXX as stated, this is simply a false statement.
|
| 02/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I do have mortgage with Caliber Home Loans for almost 2 years now. My current interest rate is XXXX XXXX. I was on covid 19 forebearance programme with Caliber home loans until XX/XX/2020 and Iam current on my payments, I requested caliber home loans to remove me from from the covid 19 forebearance programme accordingly they removed me in XX/XX/2020, but my report shows me that Iam still in the forebearance plan, I contacted Caliber Home Loans several times to report to the credit buereaus about my current status. Now Iam trying to refinance my house at lower interest rate but becuase my credit shows that Iam still on covid19 forebearance programme I can not refinance my house
|
| 09/03/2021 |
Yes |
|
|
|
Web |
Servicemember |
|
We are purchasing a home from XXXX who is using Caliber Mortgage to service the loan. At this point we have been in the process for 4 months. This is a VA loan and my husband is the veteran. Essentially they have had our finances as a XXXX and us because we can not do anything. We have signed so many closing disclosures that I can't keep count. They can not get our down payment straight and have jerked us around and all over the place. XXXX underwriters have done everything that they can to help us. Caliber underwriters have kept us from closing for months now. It seems they don't want to close the loan. Luckily XXXX has allowed us to live in the house so we aren't homeless.
|
| 06/03/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Caliber is currently withholding over {$65000.00} in insurance proceeds that are suppose to be used to rebuild my home. The claim is over {$100000.00} and they have stated that to distribute any additional funds an inspection and 50 % completion and inspections is required. I am not sure how it would be possible to be 50 % complete in a $ XXXX project with only the {$40000.00} that has been distributed furthermore. They recommended that I schedule an inspection to demonstrate progress, I took there advice, that inspection has now been canceled three times. I have never felt so hopeless in my life, caliber should not be allowed to write mortgages if they can not service them.
|
| 03/08/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Trying to work with our lender on a loss mitigation application. They sent us the application with a letter dated XXXX/XXXX/17 with instructions to return within 30 days. We submitted electronically and sent the original documents in overnight mail, we me the 30 day deadline. The lender can not confirmed that they received it. They now say they need 37 days before the sale date to review ; when I told them the letter gave us 30 days ; they said it would take 5-7 days to upload, but they would review. The sale date is XXXX/XXXX/17. We feel that this is illegally dual tracking to force us into foreclosure when we have submitted an application to try to bring the loan current.
|
| 10/26/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have had a very difficult time with Caliber. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Caliber always seemed to lose my paperwork, which I constantly had to re-fax. Once Caliber receives the documents, it takes them 5-7 business days to confirm they have received them. I now have a sale date of XX/X/2017, and Caliber is stating they can not review the modification because of the sale date. If Caliber was not so dysfunctional they could have reviewed the modification 30 days ago. I feel like Caliber is being fraudulent and lying to me. All in an effort to foreclose on me.
|
| 05/31/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Beginning on XX/XX/XXXX through XX/XX/XXXX, Caliber Home Loans has not sent me a refund check from my escrow check. Caliber Home Loans claims that an escrow check went on XX/XX/XXXX. However, Caliber Home Loans did send me a payment summary on XX/XX/XXXX and mailed it on XX/XX/XXXX without a refund check from my escrow account. I received this payment summary on XX/XX/XXXX. Caliber Home Loans continues to be deceitful throughout the escrow analysis process and refuses to address the interest on the money they withheld for 6 months. I also noted that the payment summary on my escrow summary does not show that a refund will be issued from my escrow account. See attachments.
|
| 03/25/2019 |
Yes |
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I have contacted Caliber Home Loans several times regarding them falsely reporting that I am {$5400.00} past due on my mortgage and I have been late on my payments since XXXX. I wrote a letter to Caliber on XX/XX/XXXX, and I called the same day. I have inquired about the information each time I paid my mortgage : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was told that the information will be updated, however ; I just checked my credit report and it states the same plus they added XXXX and XX/XX/XXXX as past due 90 days.
I would just like for accurate information to be provided on my credit report. I am not past due and my last late payment was in XX/XX/XXXX.
|
| 11/09/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Due to my divorce I am unable to pay the mortgage I made an attempt to pay the mortgage but the servicer Caliber Home Loans returned the payment. My kids live with me and we are afraid we will be left homeless during the holiday season. I retained a real estate agent who has had the property for sale since XXXX but due to the house not having a garage and being in front of a elementary school it has not been sold. We've also reduced the price of the property significantly in order to make it more marketable and we are still unable to sell it. The agent requested to stop the foreclosure process with my servicer but my servicer continued with the process.
Please help us!
|
| 03/07/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I previously sent in a loss mitigation application with no response from Caliber. Now I have been served with a Sheriff 's notice and need a loan modification. The loan modification submission was not responded to. Caliber has now taken a position that they do not have to review me for a loan modification because of the proximity to the sheriff sale. I disagree with this premise because it is not in good faith. I do not have a large arrearage with Caliber and I have money to make a lump sum payment. I have been making payments to Caliber up until the middle of last year. I was never sent a loss mitigation package nor did I ever receive a Notice of Intent to foreclose.
|
| 08/23/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have been approved for a trial loan modification since XX/XX/2019 on my deceased brothers property that I am the owner of.
I have made ALL of my monthly payments. I have to date STILL NOT RECEIVED my permanent loan modification.
They said they mailed it in XX/XX/XXXX. I never received it. I called TWICE in XX/XX/XXXX. They said they would email me the paperwork, which both times NEVER came. They said they would XXXX XXXX the paperwork, it also NEVER came.
Because of this, I still have NO PERMANENT MODIFICATION PAPERWORK. I am not going to continue calling them, because they promise, and fail to send the paperwork. Please help me get my permanent modification.
|
| 08/03/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
Caliber Home loans is responsible for my homeowners insurance. XXXX XXXX is the underwriter for my insurance ( or lack thereof ). On XX/XX/2017 Caliber paid {$1000.00} for my then current insurance premium ( this # was taken from Calibers ' website for my account ) and when I look at my insurance documents from XXXX XXXX this is the amount they show for the premium. I recently filed an insurance claim for wind damage to my roof only to have XXXX XXXX tell me insurance lapsed last year due to a payment discrepancy. Caliber shows they paid, XXXX says they didn't and at the end of the day I'm left holding the bag. I seriously need help with this. Thanks for your time
|
| 07/24/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I just received another letter from Caliber Home Loans asking me to deposit funds in account number : XXXX ABA routing number : XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX and don't know why? I would like the CFPB to investigate this. Also they have failed to present the original documentation to the Bankruptcy Appellate Panel in the XXXX District in XXXX, CA, Appeal Number : XXXX. This all smacks of fraud since they are claiming I owe then {$310000.00} when I filed a Chapter XXXX Bk in XX/XX/XXXX and made both pre and post-petition payments on time. I am requesting the CFPB to audit this loan which was originally taken out in XX/XX/XXXX for {$310000.00}.
|
| 05/04/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I applied for a hamp loan approximately 4 years ago have gone thru over XXXX different loan officers and have been told that i qualified for loan only to be changed to another person. What i have gone thru is so unbeliveable that i was directed to go public and they gave me your email plus another to see if you can investigate because i have no were else to turn, I have done everything they asked over and over just to end up losing my house i have been in for XXXX years due to there mistakes and there is nobody to hold them accountable. i have put out large sums of money and have all the paperwork to back up everything that i have had to endure thru this nightmare.
|
| 08/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
First, the status of limitation is complete involving relationship with your Caliber. Second, your company has not receive payment with me since XXXX. Third, XXXX sold the mortgage to Caliber in XXXX of XXXX. XXXX, I had to restart modification over again. My reason for modification was to remodel the home to accommodate my husband, which fell down the step twice, which was already a XXXX XXXX XXXX. I had to move in XXXX of XXXX because there was no response to the modification in timely fashion and husband condition worsen. I had already moved before Caliber agreed to give a modification. Five, never receive one dime from me and reporting payments never obtained.
|
| 11/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
We paid off a loan with Caliber Home Loans on XXXX XX/XX/2021. There was an escrow ( impound account ) that had a balance on XXXX XXXX of roughly 9000 dollars. On XXXX XXXX they did a system update after which showed a balance of XXXX dollars. There was no taxes owed since we had prepaid the taxes in XX/XX/2021. They say they did not attempt to pay the taxes yet there system update subtracted the amount. They say they need 0 days to research what happened. Meanwhile they have 21 days to pays us the balance of the escrow account which means they cant pay the amount owed to us in the 21 days allowed. They propose to pay us the XXXX and have us hold onto the check.
|
| 02/13/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I filed for Bankruptcy XXXX XXXX, in CA. My Loan was with Caliber Home Loans. They sold my home for {$4800.00} over what was owed against the loan. I never got a check, but received a XXXX showing that they wrote off {$5500.00} in interest. Called the IRS who told me I would have to go after the lender for fraud, but I would have to file as per the XXXX Called them twice at an hour the first time. They could not give me an answers or accounting of the figures. Called them again they left me on hold. Gave up after nearly 40 min. This company had over XXXX complaints here and Ill be securing another attourney and going after them for all expenses as well as fraud.
|
| 06/11/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I took out a loan with XXXXXXXX XXXX back in XX/XX/XXXX for $ XXXX to buy my home. It is allegedly now being serviced by Caliber Home Loans and they have failed to give me a complete payment history of payments made to XXXX and transferred to them in XX/XX/XXXX. Also I paid into an escrow account for taxes and insurance and they have failed to pay me the 2 % interest at the end of the year. I have now had to join a class action and they keep deny sending me the requested information. They are also trying to unlawfully foreclose on my property when it is in BK and I only owe them $ XXXX. ( See attached RETRAN document ). Please audit this loan asap. Thank you.
|
| 06/08/2015 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
I have been trying for over a year to get information correctly reported regarding a foreclosed and sold home. The creditor (Caliber Home Loans) has constantly informed me that they are not reporting a balance on the loan even though I have given them proof to the contrary. XXXX is reporting the amount with a balance and a past due and refuses to remove the incorrect information. This has done great harm to my family and me, as it has artificially depressed my credit rating for some time causing me to be denied credit and forced to pay greater interest rates on purchases. I am certain that common sense should apply here, but up to this point it is non-existent.
|
| 02/07/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Good afternoon. I'm writing to you today, with the hopes that you will assist me with the finalization of my permanent loan modification. My trial modification plan was completed, after I made my final payment, XX/XX/XXXX.
Caliber Home Loans has NOT completed the final modification and I've spoken to them on XX/XX/XXXX and today, XX/XX/XXXX - each time I've called, I'Ve been told a different story - that they were waiting for escrow analysis, that they were running title and lien, Etc.
All of this is supposed to be completed during the final month of my trial modification plan and, as of now, my wife and I are extremely concerned that it will be completed.
|
| 08/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Hello, We're working with Caliber home loans. We are 8 months behind on mortgage payments and having been working with them to get account back to good standing. We received a notice to reinstate the mortgage on XX/XX/19and prevent foreclosure they needed payment of {$9500.00} by XX/XX/19. We sent them the payment {$9500.00} by XX/XX/2019. In talking with them today XX/XX/2019they returned payment because it didn't include XX/XX/XXXXpayment. They said to call later today to see what they will decide, we've made the payment to get the account reinstated and avoid foreclosure. We're still working on keeping the account in good standing XX/XX/XXXXgoing forward.
|
| 01/16/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XX/XX/XXXX Home was purchased XX/XX/XXXX XX/XX/XXXX Included in Discharged Bankruptcy ( payments were voluntarily paid ) XX/XX/XXXX last month loan was serviced by XXXX XXXX XXXX XX/XX/XXXX first month serviced by XXXX XXXX XXXX XX/XX/XXXX servicing transferred to XXXX XX/XX/XXXX XXXX sent a letter that I could not receive monthly statements due to bankruptcy XX/XX/XXXX last payment I ever made XX/XX/XXXX servicing transferred to Caliber Home Loans XX/XX/XXXX sheriff sale notice XXXX Judicial Foreclosure XXXX property sold to private buyer XXXX received a XXXX from Caliber Home Loans Marked ( # 5 that I was personally responsible for the repayment of debt )
|
| 01/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I made my final monthly payment of {$1400.00} on XX/XX/2021, within the grace period of 15 days, according to the loan agreement. My loan servicer Caliber Home Loan is not closing out my loan, but billed me a late fee of {$74.00}, a loan release fee of {$180.00}, and some amount of interest.
I asked them to remove the late fee of {$74.00}, and they refused.
I asked them to break down the loan release fee, and they refused.
I have made all of my monthly payments on time, and now, they just want to stick me with all these bogus charges. I contacted the representative with ID # XXXX, and asked for his manager, and no manager was available to talk to me.
|
| 07/03/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Hello, We have our home mortgage serviced by Caliber Home Loans ; XXXX. XXXX XXXX XXXX, TX XXXX, toll free ph # XXXX
Starting XX/XX/2018 onwards I was surprised to find out there is a new {$3.00} service charge for making XXXX time online payments via your own bank. I have had my mortgage serviced thru Caliber Home Loans since XX/XX/2013& have always made one time online payments without any fees & never been late. To avoid the fees I need to enroll into a automatic monthly recurring payment.
Can banks charge fees randomly at any point? I feel this is unfair practice & I got no option other than enrolling into their auto pay which I am not comfortable.
|
| 02/12/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
When i had my credit pulled XX/XX/XXXX, I discovered that Caliber had reported several late payments. When I confronted them, I was told that although I processed the payments in the month they were due, the payment was not posted until the following month, causing the 30 day late.
I told the supervisor that at on a call in early XX/XX/XXXXthe representative told me that as long as i processed the payment within the month it was due, it would not be reported late. I spoke with a different agent in XX/XX/XXXX and was told the same information.
Now i have 7 instances of a 30 day late payment on my credit and i am unable to secure a mortgage on a new home.
|
| 08/27/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I believe I was a victim of mortgage fraud. My ex wife obtained a refinance/loan modification without my knowledge or consent. This occurred on or about XX/XX/XXXX. She either forged my name or electronically signed my name and provided my information without my knowledge. She obtained this loan through Caliber Home Loans, who sold the mortgage to XXXX on or about XX/XX/XXXX. This loan was obtained with forgery and false information and approved by XXXX. XXXX also ran my credit, doing a check resulting in a " hard hit '' to my credit without my knowledge or consent. XXXX also approved and processed the loan without my presence, written or verbal consent.
|
| 01/06/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Since XX/XX/XXXX I 've tried to get a loan modification through Loss and Mitigation at Caliber Home Loans. XX/XX/XXXX they close out my file and reopened it on XX/XX/XXXX again Caliber Home Loans closed out my account. I have sent them via email an application for the Loss and Mitigation process and other requested documents. Every time I phone them back I 'm told I need to send more documents that they did n't receive or claim was n't signed. On Thursday XX/XX/XXXX I sent them more documents. Time is of the essence since my property will be foreclosed on XX/XX/XXXX at XXXX XXXX, Colorado time. I would like to save my home as it is my primary residence.
|
| 09/03/2022 |
Yes |
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am submitting this CFPB Complaint to request CALIBER HOME LOANS, IN to remove the lat payments from my accounst bewing reporting on my Credit Report. I have kept a good paying history with you. I noticed a late payment on my credit report AND IM NEVER LATE. I typically have my account on automatic but misunderstood how the online system worked. Im asking as a long-time customer to please remove the late payment. My family and I have been through a lot since one of my family member got sick and we are finally getting back on our feet and this late payment is bringing us back down.
CALIBER HOME LOANS, IN XXXX Date Opened : XX/XX/2001 Balance : {$0.00}
|
| 10/26/2019 |
Yes |
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
|
| 02/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/2022, the XXXX XXXX XXXX XXXX XXXX ( DEO ) Homeowner Assistance Fund ( HAF ) sent the previous servicer Caliber Home Loans a check in the amount of {$28000.00}. These funds were granted by HAF on my behalf and to be applied towards my mortgage account. According to Caliber I was asked to wait for few months to ensure the check cleared, but later on I was informed they were not able to locate the funds to be applied to my account.
HAF also provide six monthly checks in the amount of {$3000.00} each. These were applied, but not properly. Interest were even charged twice in the same month.
I tried for months to obtain a results to no avail.
|
| 03/15/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I was given a trial loan modification for 3 month mortgage payments, after that Caliber Home Loan send me at complete loan modification package to sign and return to them. I did what they asked me to do. However, the package according to them was not received on time. was suppose to be there by XX/XX/2019. But I send on time with a Payment of {$1300.00} Mortgage Payment. I have been talking to them Since XX/XX/2019 if they have received the package they told me NO. You are in foreclosure and your sale date is XX/XX/2019. Pleas help me to find a solution for this situation I am in.
Caliber Home Loan Loan Number : XXXX Thank you.
XXXX XXXX XXXX XXXX
|
| 04/21/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
My husband was approved through our XXXX to be exempt from property taxes here in XXXX XXXX XXXX Va as he is a XXXX veteran. The problem is that Caliber home loans is continuing to take out the taxes, and will not adjust our loan to reflect the exempt status. I have called several time and each time they advise they will " open a new inquiry '' through their tax research dept. I am then advised to call back in a week because they are an inbound call center only. When I call back I enter the same loop again. I talk with someone who has no clue, am told they will open another inquiry, and I have requested to talk with a supervisor but am always denied.
|
| 12/10/2019 |
Yes |
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
|
| 05/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I requested PMI removal 3 months after making consecutive monthly payments after coming back off Covid forbearance as instructed by mortgage company. Sent in request with appraisal check which they already deposited in XXXX. They also sent me a letter which gave me an estimate value of my home which was almost double of what my loan is and would most likely give me PMI removal. Now theyre saying I was denied PMI due to payments but I was on Covid forbearance now have been 7 months consecutive payments ( never late ). When I call back they say theyre behind due to Covid and would have to reprocess the request and it can take into XXXX for response.
|
| 07/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Initial application to refinance mortgage with current mortgage holder ( Caliber Home Loans ) was made XX/XX/2020. Although mortgage representative has reported the application has been approved, no information regarding a closing date has been made. Additionally, numerous loan documented have been forwarded, which appear to contain varying estimates of loan details, including a substantial out-of-pocket amount required at closing by the applicant, although the loan representative indicated that the closing would not entail any cash in hand. All communication between the applicant and the mortgage representative is documented within an email file.
|
| 06/14/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I am a veteran of the XXXX. Job moved out of country. House went into foreclosure. NJ Hardest Hit Program approved me for their NJ Homesavers program. Caliber Home Loans refuses to recast the loan even though the VA states that they are able to do it.
My sheriff sale is XX/XX/2018, NJHMFA and the VA are working hard to push this through and they have run into a brick wall with Caliber Home Loans says no to recast of Mortgage.
I will have to go Chapter XXXX Bankruptcy if things fail to keep me house which is unfair because NJ Hardest Hit Fund has XXXX they want to put on my mortgage with Caliber Home Loans and save my credit and save my house.
|
| 08/11/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Applied for a modification with XXXX XXXX XXXX, completed the trial steps, then in the middle of the final step, was transferred to a new servicer ( caliber home loan ) who processed my modification for 2 to 3 months with no answers, then sent a package for permanent status Modification in XXXX with a due date for payment XXXX XXXX, 2016, then I sent the package back with payment, but they 're saying I had to make a payment also for XXXX XXXX, WHEN I got the papers in XXXX. ( A month later ) And the first payment after XXXX would be due 8 days later!!! But also that XXXX payment ( a month ago ) is also due. Putting us back in the same hardship!!
|
| 12/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I began the modification process in XX/XX/XXXX when I resumed payments from a COVID forbearance.seems clear to me that they are trying not to offer the assistance i requested because I went through a personal bankruptcy in XXXX and COVID did not help things.
I have now submitted 3 separate modification requests, and the first two got closed without any notification on what was missing. This third application has been going on for over 6 months, and i have repeatedly emailed for a status or to see if they are missing anything. I have called several times, but the people on the phone never seem to be able to provide any update or clarification.
|
| 03/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is releasing unauthorized information. They are selling info that was removed from files, reporting DELINQUINCIES and credit slanderous terminology- as are other bureaus- on disputed, removed, or paid accounts. Even accounts that were closed illegally by companies ( who refuse to comply w fin regs ) are reported as delinquent. THIS IS UNLAWFUL DEFAMATION.
statements such as public record, serious delinquincy, time unknown ( it is known-by bureaus ), num of accts w delinquincies are wholly slanderous in nature- and are abused by those offering credit to deny credit when it should be approved.
|
| 01/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
The lender-Caliber Home Loans Inc located in XXXX Texas decided to purchase flood insurance without my permission last XX/XX/XXXX and added the premium to my mortgage. The townhouse flood insurance is already a part of my HOA and the fees are paid monthly. The lender collected additional money to pay for this double coverage for flood for almost 2K a year. I have tried to resolve this with the lender but I was passed on from one dept to another. I need the lender to drop the flood insurance and reimburse the money paid for the last 12 month. The have a copy of the HOA by-laws and indicated clearly that flood insurance is part of the HOA fees.
|
| 03/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I regularly send direct principal payments to my mortgage servicing company, Caliber Home Loans. I have been making additional payments for greater then 20 months. For 17 of 20 months the additional payment has been applied the day of or 1 day after to my account. In both XXXX and XX/XX/XXXX ( and another month in XXXX XXXX the mortgage servicing company has directed the funds to " unapplied funds '' line item ; in practice holding my money and not applying it as directed to the principal of my mortgage in a timely manner ; costing interest.
I have contacted them on each occasions with different answers from agents on each successive time.
|
| 02/13/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
I keep getting monthly statements that say the amount due is {$2000.00} every month. I modified my loan and have not missed a payment thereafter. My payments are {$360.00} per month. I call into customer service and the automated system tells me the amount due is {$360.00}. BUT I still receive monthly statements every month that say I owe {$2000.00} which is very unsettling, nerve racking, and intimidating. I am being harassed by these monthly statements that say the amount due is {$2000.00} every month. I am never able to talk to a live person because it takes so long to get through and they are only available during regular business hours.
|
| 01/11/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
I am writing because : My Lender Caliber Home Loans did not acknowledge my request.
" In accordance with Section 6 of the .... ( RESPA ), under Section 6 of RESPA you are required to acknowledge my request within 20 business days. '' They DID NOT and HAVE NOT acknowledge my request to date, which is long past the required period required by the Act.
Attached are copies of proof of they received my request on XXXX XXXX, 2015 at XXXX What action they should take : Though the required acknowledge period have pasted, " In accordance with Section 6 of the .... ( RESPA ), under Section 6 of RESPA they must acknowledge my request.
XXXX XXXX XXXX
|
| 10/20/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
I paid my mortgage in full. My mortgage was sold right under my nose and then Caliber who have my mortgage is telling me that I now owe XXXX. I they raised my payments to XXXX after paying XXXX all of those years. My mortgage is a XXXX account. They are stealing!!! There is no recording of the sale of my home and no promissory note. Now Caliber has been reporting a 120 day late payment on me every month and I have made payments that I do not owe every month. I have all of my bank statements showing that I have made payments every month and finished paying for my home and now Caliber who has no legal right to my information is ROBBING ME!!!
|
| 02/26/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Since they began servicing my loan, Caliber has sent my tax payment to the wrong address. The previous 2 years ( XX/XX/XXXX ), I have had to work with the municipality to trace it and get it properly applied, incurring late fees. I have addressed this with Caliber every year and they still have not changed it. My recent conversations have gotten them to correct the billing address, but they paid my XX/XX/XXXX taxes twice with my money. Now they are asking for an escrow increase to cover the shortfall, rather than trace the XX/XX/XXXX payment. I have spent hours on the phone with them and they do not seem to care, they just send me a bill.
|
| 10/27/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
CAILBER HOMES LOANS WAS NOT HONEST ABOUT THEIR POLICY AND PROCEDURES REGARDING MODIFICATIONS..I REQUESTED A MODIFICATION ON XX/XX/XXXX THEY ADVISED ME THAT ONE OF THE QUALIFICATIONS TO EVEN BR CONSIDERED IS DEFAULT OF MORTGAGE PAYMENTS FOR 3 MONTHS ... ... CONSIDERING MY SITUATION @ THAT TIME I AGREED, ,HOWEVER I WAS TOLD THAT THIS WOULD NOT REFLECT MY CREDIT EXPECIALY SINCE I HAD NEVER ACQUIRED ANY LATE FEES ON LATE PAYMENTS SINCE I HAD BEEN WITH CALIBER HOME LOANS .I BELIEVE THEY DID THIS TO DISABLE ME, SO I COULD N'T GO TO ANOTHER MORTGAGE COMPANY THE PROCESS TOOK SO LONG THAT I PAID THE REARS IN XX/XX/XXXX IN FEAR OF LOSING MY HOME
|
| 02/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
See attached letter. My mortgage company is illegally charging late fees ( {$100.00} ) - taking money away from an extra principal payment and enriching itself at my expense. The attached letter to Caliber Home Loans explains it all and how Caliber illegally stole my money by wrongfully assessing a late fee in XX/XX/2021. No credit was received on the XX/XX/2021 statement which is attached. This happens several times each year, especially on federal holidays.
I am requesting the CPFB to get these XXXXs out of the mortgage business OR fine them and get them to adopt proper practices of not stealing their customers money.
XXXX XXXX
|
| 01/29/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I recently received a letter from XXXX XXXX XXXX to validite the debt on my mortgage. I've requested a mortgage modification with Caliber Home Loans and I have not received a modification documents. I did speak Caliber customer service regarding my modification request. I was told they made a private mortgage insurance claim for over {$20000.00} I questioned why were they making that claim when I was only a few months delinquent I was told by customer service, Caliber Loans they were going to escalate this issue to upper management because they should not be making a claim for that amount when I was only delinquent for a few months.
|
| 10/31/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
On XX/XX/2020, I started an application process for a Refinance HomXXXX Mortgage with a new lender. The new lender already approved an excellent interest rate with a lower monthly payment compared to my current lender. Now, I did applied for a forbearance program with my current lender in XX/XX/2020. But I reinstate my mortgage payment in XX/XX/2020. Well, my current lender has lien against my primary home and would release the lien. When I am trying to complete my new refinance mortgage process with the new lender. My current lender is claiming that I have to wait 3 months after XX/XX/2020 before I can refinance with a new lender.
|
| 01/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I had the misfortune of having a loan serviced by the scam artists known as Caliber Home Loans. The company had secured flood insurance on my behalf. When I sold my property, I wanted to get my prorated insurance refunded, and that's when the nightmare started.
For weeks, I tried contacting the company but to no avail. Their automated system has one and only one purpose : to make sure nobody ever gets to speak with a customer service rep. No matter what options you select, you get automated responses.
Long story short, having spent weeks attempting to contact these scam artists to recover the funds they owe me, I had no luck.
|
| 06/08/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I received a mailer from Caliber Home Loans on XX/XX/2021. The mailer states they offer rates as low as 0.022 % ( 0.029 % APR ).
I called the number on the mailer, and the representative said the offer was in fact real, then forwarded me to a Loan Officer to get the process started. Within a minute the Loan Officer stated the offer was not real and began to hard sell me using fear ( " rates just keep going up '' ) and had no data to prove his statement.
It was very clear from the call that the mailer was just an attempt to get me on the phone. This is a terrible business practice and Caliber Home Loans needs to be audited.
|
| 12/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have sent an RFI to Caliber on XX/XX/2020 to which I got only a partial response. I did get a payment history which seemed confusing and I had sent a second letter to Caliber on XX/XX/2020 questioning some of the charges which seem to be questionable and don't add up. I will attach the letter I sent to Caliber along with the payment history which I am questioning. So far I got no response and the continued reporting of erroneous data is detrimental to me.
Other issues of reporting are as follows : The full 7 year payment history is not listed High balance of {$250.00} is not accurate Date of first delinquency is not listed
|
| 08/31/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
My mortgage increased abruptly. I called the mortgage company and I was told that the reason for the increase is due to the home owners insurance. I then called the home owners insurance company and informed them about the increase. the Home owners insurance company set up a conference call with my and the mortgage company. The mortgage insurance lied on the conference call and informed the home insurance company they never received payment. Please be advised my Home owners insurance is deducted every month along with my taxes on my mortgage. I will also upload all documents. The conference all was conducted around XX/XX/2018.
|
| 08/16/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We requested to remove PMI. We were told originally to reduce balance to 80 % then that changed to 75 %. We did what we were told. We should have had PMI removed back in XXXX ; however we are getting the run around. We want the PMI removed & back dated to reflect the correct effective date. They are telling us we need to pay the full payment for a 2nd month which is completely unfair & unprofessional. We are getting no where with Caliber Home Loans customer service.
Please help us!
Our experience is real estate, insurance agent & prior mortgage origination therefore this should not be happening to us ... this is ridiculous
|
| 12/01/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have been declined for fraudulent reasons by Caliber home loans. I have been trying for months to get a loan modification. I am over my hardship. Caliber is now declining me because I 'm over my hardship and back on my feet. They state I make to much money. They are also declining me based on FRAUD appraisal of my property. They state I have a LTV of 70 %. I have spoken to a licensed appraiser and a real estate agent. They value the Caliber is using is 100 % fraud. I thought that the lenders in America would learn from the greed and mistakes from the mortgage crash of 2008. Caliber is clearly acting like a predatory lender.
|
| 09/19/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Hello my name is XXXX XXXX we have a loan with caliber home loans we receive a letter about our r home that we were advised that we were 10 months behind we made every payment we have proof of all payments me and every payment was made we are now losing our home it 's been very embarrassing people coming over asking to buy her home I had to quit my job my housben works in New York and ihave stayed home to figure out what exactly is going on because I could not focus on my job please help us figure out what we need to be done we have payments every bank statements of every payment that 's been done my number is XXXX thank you
|
| 11/03/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I am approved for HAF through the state of Florida. HAF claims to have sent my past due amount to Caliber Home Loans at the beginning of XXXX for the amount of {$5300.00}. HAF shows that this check has posted, but nothing has been applied to my account from Caliber. I have tried to message Caliber online about this as well as sent them my award letters from HAF, but they respond asking me to call. I have called their number for the past 3 days and have waited over 2 hours each time and never get through to talk to a person. Additionally, I was approved for 6 months mortgage payments and XXXX has not yet been applied either.
|
| 11/20/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Caliber Home Loans repeatedly calls my Cell Phone for a Debt XXXX XXXX from NJ owes due to being delinquent on home loans. I have been assured on three occasions that the number has been removed and they continue to harass me. The calls have been going on for 2-3 years despite repeated attempts to convince them it is not my loan.
Today, XX/XX/2019 I received a call from the XXXX XXXX in regards to the loan after being contracted by Caliber Home Loans. I spoke to XXXX XXXX who I asked to remove me from their list.
Caliber Home Loans XXXX XXXX XXXX XXXX XXXX.
XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
|
| 05/02/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I am working with a lawyer to attempt a loan modification and the most recent documents from the mortgage company states " account was reviewed and denied for loan modification on XXXX/XXXX/2015 due to debt to income ratio out of acceptable guidelines. Account currently no longer being solicited due to Cease and Desist placed on the account ''.
Neither my lawyer or I am aware of where this statement originated from because I have been working with them for months to resolve this modification issue. Any assistance you can provide would be very helpful in working with my lawyer to acquire a loan modification on the property.
|
| 07/14/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I signed and executed a modification agreement. During the modification agreement term, my mortgage servicer changed ( XXXX XXXX. to Caliber Mort. The new mortgage servicer ( Caliber Mort. ) took an amount that was to be put on the back end of my mortgage as a current obligation. When I advised of the prior servicers agreement ( XXXX XXXX. ), the new servicer ( Caliber Mort. ) refused to remove the amount as a current obligation and return it to the back end of the mortgage. The new mortgage servicer ( Caliber Mort. ) kept the amount as a current obligation incuring late charges and then sought to foreclose on my property.
|
| 09/27/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I requested a loan modification in XXXX due to financial constraints and have provided numerous documents to the 3rd party representative as requested. This company failed to make any determination about the modification request for greater than 12 months. I was offered as a deed in lieu option with a payout " cash for keys '' in XXXX XXXX. I completed the form and faxed to the mortgage company in early XXXX XXXX under the assumption if this was being offered to me it must be valid. Upon returning from viewing colleges with my son I received notice that my home was being foreclosed upon with a sale date of XXXX/XXXX/XXXX.
|
| 08/22/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have a hard foreclosure date of XX/XX/XXXX and Caliber refuses to postpone the sale even though my agents have offered them a full payoff. The XXXX mortgage is with XXXX and they have verbally approved the amount, it takes a couple of weeks to generate the approval.
XXXX told my agents that they will make more money by foreclosing and not paying a commission or payout to XXXX. IS THIS LEGAL THAT THEY CAN FORECLOSE ON ME EVEN WHEN OFFERED A FULL PAYOFF? I know there is no guarantee with a short sale, but when offered a full payoff does n't a bank have to allow the seller the chance to stay in his/her home?
XXXX XXXX
|
| 12/02/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
On XX/XX/2018 I disputed missing information on my XXXX credit report. I did a disputed with Caliber Home Loans the following is missing on the closed account " Recent Payment Amount '' there should be a pay off amount of {$100000.00} it just shows a simple line. When i disputed this with XXXX it came back as remains on XX/XX/2018 this account is showing up as a negative item on my credit report. Because of this I've been turned down for a auto loan. If Caliber homes can not fix the missing information on my XXXX credit report im asking for this account to be deleted from all 3 Credit Reports XXXX, XXXX, and XXXX XXXX.
|
| 09/26/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Please see complaint # XXXX. However, the notary assigned to closure on the loan today did not show at the scheduled time, even though the closing was confirmed by both email and phone. During the confirmation via phone, she also indicated that she did not receive the necessary information from the title company, but indicated that she would keep the appointment. Please see email below : -- -- - Original message -- -- - From : XXXX XXXX Be XXXX To : XXXX Subject : Closing Date : Saturday, XX/XX/2020 XXXX XXXX I am a notary confirming our appointment today at XXXX XXXX Please call XXXX XXXX XXXX XXXX Sent from my XXXX
|
| 05/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I had refinanced with Caliber home loans, but HUD contacted me to collect a debt that I owe them, that debt was suppose to be paid off in my refinance.
Caliber had missed a payoff during my refinance. They messed up because the title company XXXX XXXX thats mostly owned by Caliber missed the partial claim lein that is public record. So now Caliber has put me in a bad situation. Because HUD has forward my debt to the Department of US treasury and added a 30 % penalty to the debt and is garnishing tax refunds and wages. Caliber and Caliber Fort Settlement title company should take responsibility for what was missed.
|
| 11/18/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I refinanced my home loan on XX/XX/2020. I wanted to pay my mortage dues twice a month so that I can save some intrest.
But when I paid the first half of the payment, they are not adding towards my account and saying that its not a full payment. My total payment are for the month are {$2100.00} and I am sending payment of {$1000.00} twice a month and I am paying 2 weeks before the due.
My complain is they are cashing my payments but not applying towards my account and I am still paying intrest in full even though I have paid in partial.
This is what I am trying to acheive by paying bi weekly XXXX XXXX XXXX
|
| 09/29/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American |
|
I purchased this property about a year ago and have received notice of escrow shortage.
My payment was increased {$110.00} a month in 1 year. When I questioned this the explanation was someone must have miscalculated the tax at closing, really this could cause someone to lose their home. I 'm not understanding this as the taxes are on file with the county. If this was a homestead situation would they not know that? Just not understanding how this happens. Was told I had the option of paying the full amount of {$760.00} and the payment would only increase {$50.00}. Living on a fixed income this is not an option.
|
| 08/12/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I have a loan serviced by Caliber Home Loans, Inc. ( Caliber ). It has recently settled a lawsuit involving allegations that Caliber, or an entity on Calibers behalf, called people on or after XXXX XXXX, 2011 on their cellular telephone lines using an automatic telephone dialing system or artificial or prerecorded voice. Caliber has agreed to pay {>= $1,000,000} into a fund from which eligible persons or entities who file claims will receive cash awards. I have still not been contacted by them regarding this class action settlement. CALIBER HOME LOANS SETTLEMENT CLAIMS ADMINISTRATOR XXXX XXXX XXXX XXXX, RI XXXX
|
| 02/02/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
A loan modification package was submitted to XXXX XXXX on XXXX/XXXX/17 - we were advised that the loan was being transferred to Caliber home loans on XXXX/XXXX/17 effective XXXX/XXXX/2017 - XXXX XXXX denied the loan into review with loss mitt. We then called Caliber on XXXX/XXXX/17 the day we were notified of the change in servicer 's, Caliber advised that the loan would not board their system until XXXX/XXXX/2017 - The clients home is set for Foreclosure sale on XXXX/XXXX/17 and neither servicer will accept the loan modification package for the review or postpone the sale date due to the transfer in servicers.
|
| 11/21/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
We were contacted by Caliber Home Loans to refinance a mortgage we have with them to get a lower interest rate. We did all the paper work and they said everything was fine. We paid for the appraisal. We were expecting to close and then they said the IRS said we have Identity Theft so they said we could n't refinance even though we already hold a loan with them and paid for the appraisal. Caliber Home Loans should not have approved the loan and asked for appraisal if there was trouble. We spent a lot of time on this and they were n't organized. They do n't know what they are doing. Do n't use Caliber Home Loans.
|
| 06/13/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I submitted an application for a loan modification to Caliber Home Loans.
They asked me to provide information which I did, they asked for several things they were : Profit and loss statement, a letter of verification and a credit report authorization. I faxed all of these to them. I have fax reports showing date they were faxed.
On XXXX XXXX, I received a phone call and a letter saying I was refused a loan modification because " you did not provide us with the documents we requested '' This is not true. I sent in everything they asked for and have proof that I did so. They did not even evaluate my documents
|
| 06/30/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I have been getting a lot of refinancing offers from my servicer with titles such as " Caliber Has Important Payment Savings News for YOU. '' The " savings, '' however, come from the re-amortization of the mortgage at a new 30-year term -- the actual interest rate is higher than that on our current mortgage. I understand mortgages well enough to know that this offer makes me worse off. However, I think other consumers could be tricked into a contract that makes them worse off. ( Admittedly, there 's fine print at the bottom of the ad that alerts consumers to this issue, but I think it 's cryptically worded. )
|
| 02/28/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I was approved for HAF through state of Florida. Caliber had received past due amount from XXXX. They posted this on XX/XX/XXXX. They also received XX/XX/XXXX 's payment in early XXXX and posted the mortgage to my account on XX/XX/XXXX. XXXX 's payment ( send on XX/XX/XXXX ) was not posted until I made a CFPB complaint - then it posted on XX/XX/XXXX. I have tried to contact them via email and via telephone to inquire about XX/XX/XXXX mortgage ( {$1300.00} ) that was sent to them on XX/XX/XXXX. I have now been assessed a late fee, although HAF has indicated the payment has been received and posted by Caliber.
|
| 01/24/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I have made several payments that instead of going to principal, have been applied to future mortgage payments. I am currently paid off until XX/XX/XXXX. I called on XX/XX/XXXX to fix this issue, and I called again on XX/XX/XXXX, and I called again on XX/XX/XXXX. I would like this money to be applied to my principal.
Currently, I am being charged interest on money that Caliber Home Loans has, but refused to credit to my principal balance.
According to my bank account, I should owe {$1100.00}, but current balance is {$2600.00}. Caliber Home Loans acknowledges this error, but hasn't done anything to fix it.
|
| 11/12/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I have faxed over my loan modification paperwork to Caliber several times and have also emailed them weeks ago and keep getting the run around that the missing paperwork has not been received and now there has been a sale date placed on the property. Paperwork was faxed over on XX/XX/2019 and again on XX/XX/2019 and a sale date was placed on XX/XX/2019 for XX/XX/2019. I feel that Caliber is not taking the proper steps to help me with this process and avoiding to upload my documents. I would like for them to put the foreclosure on hold and review my file for a modification as they are required to do by law.
|
| 08/03/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
The lender failed to comply with Regulation X, 12 C.F.R. 1024.39 ( a ) by failing to make live contact with XXXX XXXX prior to referring his loan for foreclosure. It is further alleged that the lender failed to send the Post-Foreclosure Referral Notice required by Section 12 C.F.R. 1024.39 ( b ). - There were also no notices received by XXXX XXXX stating that the BK he filed had been dismissed and a foreclosure sale was set on the property. We have requested the rescission of this foreclosure action and the review of a loan modification to take place based on an improper Foreclosure action that occurred.
|
| 03/03/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I purchased my home in XX/XX/XXXX, first payment was made to Caliber home loans on XX/XX/XXXX. Payment was never applied to my loan so when the loan was transferred to XXXX it was transferred for the full amount. I realized this and made my first phone call in XX/XX/XXXX. I I have provided a copy of the check that was cashed for {$2000.00} by Caliber Home Loans and also provided a copy of my bank statement where it shows the money was taken out. Ever since XX/XX/XXXX I been calling trying to get this issue resolved and now they are telling me theres nothing they can do because they cant access old files.
|
| 10/05/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
DATE : XXXX/XXXX/16 TO : CALIBER HOME LOANS XXXX, OK XXXX RE : Information Request Mortgage Loan Number : XXXX To whom it may concern : I am writing to request the information described below in regard to the mortgage on my property at XXXX, Al XXXX.
Please accept this letter under RESPA and/or TILA.
Please provide to us an accurate, ITEMIZED, reinstatement amount for the above referenced loan.
Thank you for your cooperation in this matter so we know our options on reinstating our loan and avoiding foreclosure.
If you need to contact me to discuss this request, I can be reached at, t Sincerely,
|
| 01/22/2021 |
Yes |
|
|
|
Web |
|
|
On XX/XX/XXXX we closed on a streamlined refinance. It was supposed to find on XX/XX/XXXX.
I received a call from their collections department that my payment was not received. They never funded the refinance. They never notified me of the loan not funding or any issues. To date I have not been provided any explanation other than the loan processor messed something up.
To date they have not funded or re-closed on my loan. They are threatening to report to credit bureau despite the fact that I have a legal contract/closing document that says my next ( 1st ) payment is due XX/XX/XXXX.
Please help.
|
| 03/21/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I got a letter dated XX/XX/XXXX that my house payment went up {$330.00}. I was told this was due to the company paying my taxes which I correct, however, this was an increase for 12 months. this will result in over {$4000.00} which I don't understand why. I have been dealing with this since XX/XX/XXXX doing everything they ask me to do and nothing has been resolved. they have missed applied my payments, paid more taxes and shouldn't have before time, have people come out taking pictures of my house when I am not late on my mortgage. I have a whole pile of paperwork and documentation that I can submit.
|
| 02/22/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
We live in south Florida and were financially hit by hurricane Irma as our house had damages which consisted of roof damage and exterior damages to fences and trees. We contacted our mortgage company at the end of XX/XX/XXXX explaining the situation and we were put on a forbearance and explained that our payments would be deferred to the end of our loan term. Now in XX/XX/XXXX we received a call that we had to come up with all the money of those months before they take action on us. Meanwhile this whole time, I have not stopped paying my escrow account which covers taxes and insurance on my property.
|
| 04/24/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Please see the attached findings from XXXX 's XXXX XXXX , XXXX investigation. The date of payment, actual payment, scheduled payment amount and date of last activity are all incorrect. In addition, my XXXX XXXX , XXXX report does not reflect XXXX , XXXX and XXXX XXXX reporting. The following should reflect a s : 1. D ate of Last Payment : XXXX XXXX , XXXX not XXXX XXXX 2. Actual Payment Amount : {$1200.00} not {$1200.00} 3. S cheduled Payment : {$1200.00} not {$1200.0 0} 4. Dat e of Last Activity : XXXX XXXX not XXXX 2016 See CFPB complaint numbers XXXX and XXXX
|
| 08/02/2023 |
Yes |
|
|
|
Web |
Servicemember |
|
I initially sent XXXX the 2021 taxes with the understanding they were not filed, and the schedule C could change depending on accurate receipt count. XXXX failed to perform her due diligence and as a result the SC First Time Home Buyer Program, and the money needed for closing until the week of our set closing date. Nonetheless she continued to pitch and sell the idea to us, having us complete and wait for something for which we were never qualified. My issue with Caliber was not the information requested but their lack of fact checking and ensuring that we could close within a reasonable period.
|
| 03/10/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Caliber Mortgage has decided to create their own Bankruptcy Law, when it comes to short sales. Caliber is demanding an approval from the court ( " Motion to Sell '' ) allowing the short sale to take place, and will not give the court any kind of short sale approval terms whatsoever. The BK court will not review a Motion to Sell until they have all approval conditions from the mortgage lender. Caliber has decided that they are above the BK court and are going to create their own rules as to how a short sale works when the borrower is in bankruptcy. What is Caliber trying to hide from the BK court?
|
| 12/28/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I have a home loan with caliber, they offered a refinance to a better rate for a 20 year loan with with a rate of 3.75 % and a total closing cost of XXXX. This was started in XXXX, documents were signed then no communication until XXXX when I got new paperwork showing my loan went up to 4 % with closing cost of over XXXX. multiple attempts of communication with the company with no response. today I finally spoke with someone who said it was human error and he can not honor the original documents as it was to much of a loss of the company, all of this after i have paid the XXXX in appraisal fees.
|
| 05/01/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I left the Active XXXX in XXXX and took a lower paying job. My property tax and other fees increased and by XXXX I was struggling to keep up with my mortgage payment. I've been working tirelessly with Caliber Home Loans, company who holds my mortgage, and they are forcing me into foreclosure even when I've finally received a pay raise and enough money to keep my property. They refuse to allow me to submit a loan modification with my new finances which would allow me to stay in my home and avoid foreclosure or bankruptcy. Caliber Home Loans is putting a veteran out on the streets for no reason.
|
| 08/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My current mortgage company is CALIBER LOAN, during the closing of the loan, it was never mentioned nor is it in the legal paperwork that I am not able to make regular monthly payments ahead of schedule. At this time, the maximum payments ahead of scheduled I can make would cover XXXX months in advance. This feels like an unfair practice, because I should be able to make payments, lets say, in XXXX for the rest of the the calendar year without any issues. This practice seems to be predatory because it prevents me from paying my mortgage down in a most efficient format, saving me the interest.
|
| 04/06/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/20, I submitted my monthly mortgage payment online via their website. They did not credit my account with the payment until XX/XX/20, and charged me a late fee of {$80.00} since according to them the payment was not made until XX/XX/20. Previously, payments made on or before the XXXX of the month were not charged a late fee even if the payment was not credited to the account until after the XXXX.
I contacted the company but they said that when the payment is credited to the account is what matters, so I would have to submit my payment via their website 2 days prior to the deadline.
|
| 01/21/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Caliber Home Loans has screwed up my escrow account twice. First they paid an irrigation assessment they were not supposed to pay and began charging me {$100.00} a month more to cover their mistake. I also paid the assessment and cant get that money back. Now they have failed to pay the second installment of my property taxes and I have been assessed a penalty and late fee which they will have to pay. They are unresponsive in fixing these issues and I can not change mortgage companies. I did not ask for them they bought my loan and now I am stuck with their XXXX service for the next 28 years.
|
| 10/01/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
My dispute is against Caliber Home Loans. Caliber used to service my mortgage loan, but it has since been traded to another company. I was reported late in 2014, once in XXXX and once in XXXX. I have spoken with them and they stated they would research and resolve the issue, but to no avail. I 've sent them supporting evidence, but to no avail. XXXX is the only agency reporting this derogatory information. It is my right to have my credit report match. Please note, I had n't missed XXXX payment prior to this loan being transferred to Caliber. I experienced many issues while they held my loan.
|
| 06/07/2022 |
Yes |
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I signed a loan mod and made the first and every payment under the loan mod on time. The mortgage company said it would take 60 - 90 days to report against the deeds, then reflect in the company system, and finally to report to the three credit agencies. Then out of no where the mortgage company is reporting my 63 days and counting as past do.
The combination of these factors is negatively impacting my credit causing damages to the point where I can not a get a loan and adding stress b/c they are calling asking me to pay additional fees for bein late on payments ( which is not the case )
|
| 08/02/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I was awarded forward payments from HAF ( Homeowners assistance fund ) handled by XXXX on XX/XX/XXXX. I received my award letter and emailed it to Caliber. I was told payment was already sent over via check and allow XXXX business days for them to receive. Every time I call Caliber they have no knowledge of HAF and state no payments received and if payment should come through they are behind XXXX days in processing any assistance payments. They are unaware of my email sent with award letter attached and nothing on my file pertaining to HAF award. I feel Im at a loss with no communication.
|
| 07/29/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Pursuant to : section 1001 ( c ) of the Internal Revenue Code ( IRC 1001 ( c ), I have contacted Caliber Home Loans, et al, to determine the gain or loss from the sale or other disposition of a term interest in property, that portion of the adjusted basis of such interest which is determined pursuant to section 1014, 1015, or 1041 ( to the extent that such adjusted basis is a portion of the entire adjusted basis of the property ), and have still not received any information. They have Bonded my note in the XXXX XXXX XXXX XXXX and have not sent me the details which I have been requesting.
|
| 09/24/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I closed on my new home on XXXX/XXXX/2015. I was informed at the closing myrate was 4.1 %, this was not the APR. Just last week I received a " temporary '' coupon from Caliber Home Loans, no amount to be paid, very little information.
Today, I received a more official payment request, but again NO APR % rateon the form. When I called Caliber, they did not know what I was asking forand basically disconnected the call. I believe the APR rate should be includedon all documents relating to this mortgage. Why is the company being sosecretive about this number. Do n't I have a right to know?
|
| 05/04/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
CALIBER LOANS have done everything against my wife and I on our mortgage loan with them. I paid them faithfully on XXXX of each month and never missed a payment. I sent them bank statements and supervisor letters from XXXX WHO TRANSFERED ME TO CALIBER. the beneficial letter was proof to CALIBER that I had not missed any payments with XXXX.now CALIBER IS GIVING WRONG INFO TO XXXX my current motgGE CO. AND THEY ARE HARRASSING ME FOR MORE MONEY SINCE caliber DECIDED TO CHANGE THE AMOUNT I OWED TO XXXX. MORE DOLLARS .please I am begging you help my wife and I with these predator companies.
|
| 05/19/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I bought a house last XXXX and was told by my loan officer to pay a down payment of 19.9 percent to get a lower interest rate. He said that I would only pay PMI for a couple of months and the PMI payments would drop. 10 months later, I am still paying PMI and now my loan officer is saying that I signed an agreement to pay this for another year. He said that I was supposed to call one month after my first payment to take out the PMI payments. I have his emails stating that the PMI will come off and that I just need to wait a little more. I have paid over 600 dollars in PMI payments.
|
| 08/19/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Caliber Home Loans offered a short-term, interest only modification and is refusing to break down the required up front cash contribution of {$2600.00}. This up front contribution is cost prohibitive for the borrower to accept the modification. Caliber is telling me they could change the contribution into a three-month trial period plan if the foreclosure sale, scheduled for XXXX XXXX, were postponed out 90 days. This is absurd. Caliber should offer an affordable trial period plan and if need be, they should postpone the sale 90 days to allow for the modification to be successful.
|
| 01/16/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Purchased my home with XXXX who later reassigned to XXXX XXXX XXXX who then reassigned to various subsidiaries then reassigned to Caliber Home Loans. XXXX had me apply for a loan mods from XXXX to XXXX. Received a loan mod that reduced the interest rate but increase the monthly note. Caliber took over in XXXX XXXX, filed a notice of default and proceeded to foreclose. I 've tried to do a loan modification, Caliber Reps stated my package was incomplete and they are not corresponding with me timely to avoid and comply with the loan modification process. I am trying to save my home!
|
| 02/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
Back in 2014 we filed foreclosure on our house with XXXX XXXX XXXX.
Sometime prior the forclosure was processed XXXX XXXX XXXX sold our loan to Caliber loans but XXXX loans quickly gave it back to XXXX XXXX XXXX and our foreclosure is with XXXX XXXX XXXX. Caliper loans said on our credit reports that our foreclosure was with Caliber loans also. We only had one house and there was only one foreclosure and it was with XXXX XXXX XXXX not Caliber loans. They need to remove this information off of our credit reports because it looks as if we had two foreclosures and we did not.
|
| 10/10/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
My mortgage company asked me for the same documents over and over again. gave me conflicting information about what they want, My loan modification was denied for improper reasons, While i was in modification process with XXXX my loan was transferred to Caliber home loans and no one told me and the new mortgage company made me start the loan modification process all over again, and their policy is not to accept my payments while i 'm applying for modification and now they add attorneys fees and late fees, which i did not want to be late, We have full intention to keep our house.
|
| 09/01/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
On XX/XX/2022. Caliber home loans send me a letter stating that Im late with my mortgage payment and they will send it to a debt collector if I dont take any steps to pay. This mortgage payment is set up automatically every month. Getting this letter trigger me to send another payment. The result of this additional payment, I got charged by my bank with overdraft fees.
Tried reaching, first on I called the following day after the mail was sent. Called again the following week try to speak to a Manager to get some answers but until today XX/XX/2022 no one has tried to reach me.
|
| 12/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I recently filed a complaint with the XXXX on XX/XX/2018 in regards to Caliber homes reporting inaccurate information on my XXXX credit report the following items are missing on the account. Balance is showing a line when it should show {$0.00} and Balance Updated is showing a line when it should show {$0.00}. And Recent Payment Amount is showing a line when it should show a pay off amount. Caliber home loans say there reporting correct information but i beg to differ. A simple line doesn't represent correct information. This account is paid in full so it needs to reflect that.
|
| 12/03/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
3 weeks ago requested loan payoff from Caliber Home Loan thru their SPOC representative. Was told I would receive it soon. Still waiting and I have a pending foreclosure that is moving forward. I have a pending sale on the home and can not draft a correct contract as Caliber ( who represents XXXX ) is not sending me the requested 30 day payoff that I asked their SPOC rep XXXX # XXXX to send me. I want to sell my home and avoid foreclosure but they are holding up my request for a loan payoff. They are denying me my right to sell my home!!!!! Why ca n't they provide this payoff?
|
| 05/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I set my house payment on a automatic payment plan with my bank.
they send me a letter saying I was cleared to have that loan payment to the mortgage company withdrawal.
I when on vacation and was force to stay due to Coron viruses and did not have information autocratic withdraw. My bank said it was the mortgage fault. The mortgage said it was the banks fault. I know and have the letter the bank sent me on the withdraw so I believe it is the banks fault for not honoring the letter.
The mortgage company place a thirty day late payment on my report and now my score dropped.
|
| 05/28/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I am writing now in wish to receive your help. Presently I am working on reviewing my credit, paying down my balances, and pursuing greater credit worthiness. You play a very important role in this process. I am inquiring about the account number referenced in this complaint.
I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX and XXXX ) on XX/XX/2018 and I am submitting this in order to get this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.
|
| 12/30/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
My home was bought out by caliber home loans I received a letter that we owed XXXX so when my husband received his SOCIAL security check I mailed XXXX to them then I sold some retirement and mailed another XXXX Then my husband received his va Benefits I mailed another XXXX Logged into their website it showed I owed XXXX today I logged into their site it showed I owed XXXX called them and was told that all my payments were not applied to the loan they were holding XXXX to see how to apply it to the loan and they had not received the other XXXX Caliberhomeloans.com is a rip off
|
| 09/06/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Caliber home loans sent me a preapproval letter to take out a new 30 year mortgage on my house at a HIGHER interest rate. Because the principal has been paid down, my monthly payment would be about {$70.00} less. They are advertising that I will see an annual SAVINGS of {$740.00} while my new APR is .1 % HIGHER than my current APR. obviously this is not a cheaper way to go, to effectively pay off a lower interest loan by taking out a new higher interest loan. The fact that they mislead customers by telling them they will save money should be illegal. Its outright dishonesty.
|
| 04/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On or around XX/XX/XXXX I received a letter letting me know my mortgage loan had been sold to XXXX XXXX XXXX services from Caliber Home Loans. XXXX started collecting my payment since XX/XX/XXXX. On or around XX/XX/XXXX I called into experian to dispute the account still showing open, yesterday I got my an email about the results of my dispute and the dispute came back verified no changes. I don't know how they can verify the account still open Caliber Homes Loans have sold the loan. The Loan needs to report closed paid in full from all 3 credit bureaus XXXX, XXXX, and XXXX.
|
| 01/30/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
Caliber services my present loan. They reached out to me to refinance. I went through the whole process including paying for an appraisal. They gave me a loan committment promising the terms of a refinance. They initially set a date but never sent the loan documents. They promised a new date to be set and that is when all communication stopped. Repeated attempts have been made by myself and my attorney to communicate with Caliber and they continue to ignore both of us. The process began XX/XX/2016 and my loan processor changed several time. Communication ceased XX/XX/XXXX.
|
| 12/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My primary mortgage was refinanced with XXXX XXXX XXXX who sold it to Caliber home loans. The escrows were waived during the refinancing with XXXX XXXX XXXX. However, when the loan was sold to Caliber Home loans, they et up the servicing incorrectly and are now escrowing for both taxes and insurance, making less of the overage I pay go towards the principal balance and negatively affecting my ability to pay down the mortgage quicker. I have paid the real estate taxes personally and have the receipt showing my personal check was used. Insurance is not due until XX/XX/2022.
|
| 05/13/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
We have made multiple attempts with XXXX to help us contact Caliber Home Loans and we provided from our checking account the timely payments we made our mortgage. They quickly rush to a decision in 2 days saying its accurate and it will stay as late.
This is impossible when the customer is providing proof- they dont even investigate.
This is the recent # XXXX This is for both my husband and my mortgage account for the late reported payments of XX/XX/2021, XX/XX/2021, this should be corrected as timely on all 3 credit reports immediately..
XXXX XXXX / XXXX XXXX XXXX
|
| 01/17/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Without notice, explanation, or legal authority, Caliber unilaterally increased my monthly mortgage by more than {$200.00} per month. This is a more than 10 % increase. The increase results from Caliber 's failure to properly reserve the necessary funds to pay property taxes.
A similar complaint was previously filed, but Caliber 's response was incorrect. They provided information regarding my XXXX home, and not the impacted XXXX home. This complaint relates to the XXXX home. It is not a duplicate matter. Caliber must address the XXXX matter. They have not yet done so.
|
| 05/11/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
received loan modification and was asked to pay money up front. I paid it. Have n't missed a payment. It comes directly from my bank. Mortgage company keep sending letters stating that my monthly payment is behind. Also my note has increases from XXXX dollars to XXXX dollars to XXXX dollars per month. Interest is now XXXX percent. Initially offered modification with interest at XXXX percent and monthly payment of XXXX dollars. Bought house for XXXX dollars about XXXX years ago but now owe XXXX dollars. XXXX companies were involved : XXXX, XXXX and now Caliber Home Loans.
|
| 08/20/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The Account I am disputing do not relate to any transactions that I have made or authorized. Please remove this account at the earliest possible time. Also, the information you provided on the account is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on the account is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the account be removed in my personal file.
|
| 11/30/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My mortgage is with Caliber Loan, I received a modification though Caliber. I was making my monthly mortgage payment by cashier check. But they still foreclosed on my home, of which they recently foreclosed XX/XX/2016 and I was making the monthly mortgage payments. I 'm still living in the property. I received correspondence from XXXX stating they were going to foreclose on my property. I was not given the appropriate XXXX notice that is required by XXXX law prior to the foreclosure sale. It is a misdemeanor not to give the appropriate notice prior to foreclosure.
|
| 10/13/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
our home loan was sold from other finance company in Florida to Caliber Home Loans. Attempted to contact on Website, phone, email and through our online account unable to obtain or speak to anyone. No loan activity nor payment for our mortgage has been taken out for XX/XX/2016. Upon checking reviews this company has a history of not returning calls, not receiving payments and filing foreclosures on the proprieties, we are in fear that this is going to occur with our property. Complaints have recently been flied on this company for the same reasons as related above
|
| 10/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
On Saturday, XX/XX/XXXX, my husband and I received via certified mail notice of default from Caliber Home Loans. This is in error because we have paid our mortgage on time and our online account shows that we are current on our mortgage. The notice lists {$0.00} as past due and yet clearly states notice of default.
This is very distressing to us, as it is our understanding that 30 days from receiving this letter our home may be placed for sale. We want to make sure this error is immediately addressed and have also contacted Caliber.
Thank you, XXXX XXXX XXXX
|
| 02/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
On XXXX XXXX I contacted a loan broker for a refinance. The company accepted the application and a appraisal was performed on XX/XX/20. I constantly contacted broker on status of loan and it was always some kind of delay. In XXXX I finally told broker I was done with them its been 5 months and they still couldnt close on a refinance. I asked the broker for a refund for the appraisal because the amount of time has passed and the appraisal expired due to their inability to close. The broker contacted the company and a few weeks later the company denied the refund.
|
| 11/28/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
My loan was transferred to XXXX XXXX from Caliber Home Loans in XXXX of 2017. Caliber Home Loans still reflects my loan as being open with the credit bureaus, specifically XXXX. I have asked Caliber Home Loans to contact the credit bureaus and report my loan as either closed or transferred and to no avail. They keep indicating to me that they no longer have the loan and they do n't have any way to change it. I have been denied two loans because of my debt-to-income ratio. Every time I file a dispute with XXXX, it comes back that they have verified the status.
|
| 05/19/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I've contacted Caliber loans over the past six months, in at least four phone calls to remove PMI. Each time, I was given conflicting information. Since I was unable to get an appraisal done, I ended up paying down the mortgage to under 78 % of the original value on XX/XX/XXXX. Since the inception of the loan, I've never made a late payment, usually paying several months in advance. On the day the payment was posted, I contacted Caliber to let them know that PMI should automatically be cancelled. Since then, my next payment still shows the PMI payment amount.
|
| 10/29/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have a Caliber Home Loan account where I make monthly payments for my mortgage. At one point, like many other hard working Americans, I had fallen on financial hardships and was late on a few payments.
I was late XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was never over 90 days. I tried my best to catch up earlier.
I also had a second mortgage with XXXX, on the same mortgage, where I make my monthly mortgage payments. At the same time, due to financial hardships, I was late on those payments.
I was late XX/XX/XXXX and XX/XX/XXXX.
|
| 12/16/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My mortgage was recently sold to Caliber Home Loans, Inc. My payment was due on XX/XX/2016. I logged into their system at XXXX cst on XX/XX/2016. It would not allow me to enter a payment date until XX/XX/2016, thus making this payment late and incurring a late fee. I completely understand they may not be able to process my payment until then, but there 's absolutely nothing preventing them from recording my payment on XX/XX/2016. I attempted to make a payment before it 's even due, yet I ca n't. This is a deliberate act on their part to ensure I am late. thx.
|
| 10/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Trying to close to sell 6 properties. Release of motgage taking to long to release.
Mortgage holder name CALIBER HOME LOANS XXXX XXXX XXXX XXXX closing company asked CALIBER HOME LOANS to release on XX/XX/2019 CA LIBER HOME LOANS released 2 of 6 properties on XX/XX/2019 ( over 3 mo 's ) CALIBER HOME LOANS still has to release 4 more properties.
Closing company having extremely hard time to contact CALIBER, it can only done thru email and can take 60 to 120 day 's for respond.
I'm losing buyers because it's taking to long to clear title to sell Thank You
|
| 12/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I was with Caliber Home Mortgage for Month of XX/XX/2022.
They switched me to XXXXXXXX XXXX XXXXXXXX starting XX/XX/2022.
I am in a federal program called HAF Home Owner Assistance Fund.
My department with HAF said check was sent to Caliber on XXXX XXXX.
The amount was XXXX for the XXXX Payment. It is now XXXX XXXX and Caliber said they never got it and also checked with XXXX and they said it was never sent over by Caliber to them. I am trying to find out why my payment for XXXX has never been posted. Again the amount was XXXX for month of XXXX.
|
| 03/15/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
The lender is refusing to review the clients file for loss mitt options - We submitted the loan modification package to the lender on XX/XX/XXXX they failed to provide us with a missing docs letter - we spoke to the lender on XX/XX/XXXX and was advised of missing items - the missing items were provided to the lender on XX/XX/XXXX - the lender did not pull the requested docs to confirm they were received for the review until XX/XX/XXXX and then advised that due to the sale date being on XX/XX/XXXX they were denying the review for loss mitt assistance.
|
| 03/07/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My mortgage holder is Caliber Home loans. In 2015 l made mortgage modification. According to my mortgage modification agreement with Caliber Home Loans l have to pay my premium, interest and Home Owners Association fee to Caliber Home loans and they have to pay my HOA fee to XXXX ( my home owners association ), every month. By some reason Caliber do n't pay regularly. As a result of this I have big problem with my HOA. They want to cancel my occupancy agreement. All attempts to get in touch with Caliber Home Loans officials does not have any results.
|
| 10/24/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have submitted XXXX complaints to the CFPB, called MANY times, then I gathered all of the information I was told was necessary for the CFPB to review the Lies and crimes that Caliber Home Loans has been committing, and is CONTINUING to commit on my mortgage loan. I NEED a status update on the submission I MAILED to the address provided, to ensure the CFPB received and reviewed the information I mailed. Caliber does NOTHING but Lie, and Lie more. I mailed almost XXXX pages of proof of this. Please contact me with the status of what I mailed to CFPB.
|
| 06/19/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I refinanced my mortgage in 2021. Prior to the first scheduled payment I made a full payment and the company set up my payment in a bi-weekly payment schedule which is automatically drawn from my checking account every two weeks. The payment is misapplied and I am sent late notices and charged a late fee. No payment has ever been late. This has occurred 3 times in the last year. I also send additional money to be applied to principle and this is also misapplied. I have had multiple phone call and the company fails to permanently correct the issues.
|
| 11/07/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have requested a modification on my 1st and 2nd mortgage which are interest only loan. I received 1st and 2nd modification agreement from Caliber Home Loans that limited-term loan modification that are not good terms for a modification and they are only good fro 1 yr where the payments will reflect a estimated payment based on the terms of an adjusted rate loan which will be higher which will give me a new monthly principal and interest payment, This is not a good modification agreement and it will put me in a worse position then I am already in,
|
| 02/06/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Last month I filed a complaint against Caliber Home Loans regarding my payment for XXXX. My payment was finally processed but now they have not credited my account for my XXXX payments for my Principle, Interest, Escrow and addition principle I have paid. They processed my XXXX payment and those amounts are showing on my online account but all of XXXX is missing. I have attached paperwork with what is showing as of XXXX/XXXX/2017 and what the totals should actual be. I want this resolved ASAP! I have sent numerous emails and all have gone ignored.
|
| 03/18/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
My husband qualified for homestead exemption, and we have tried since XXXX to get Caliber home loans to readjust our mortgage payment. Nothing has happened. Trying to reach these people is horrible. You have to know ahead of time which division you need before calling. Their phone system is confusing and getting to a real person is time consuming. We have spent hours trying to talk to someone. We are paying {$380.00} more than required. Also, my husband likes to send extra money but they wo n't apply it to the mortgage unless it is a full payment.
|
| 06/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Hello- I just sold a property that was serviced by Caliber Home loans. When I got the payoff quote, I believe I was incorrectly charged. I signed up for a 6 month deferrment during the pandemic and i was told the mortgage was put on pause. I was insured by an advisor at the company the 6 months of payments would be added to the END of the loan. When I got the payoff, they included 6 months of principal + interest. So they collected the amount of {$19000.00} ( early ) and incorrectly. I would appreciate your help in this matter.
XXXX XXXX XXXX
|
| 04/27/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
XXXX was the servicer of my loan, it was sold ( to whom, I do n't really know ) and XXXX became the servicer. XXXX accept my loan modification as '' complete '' but in fact, it had no signed IRS tax transcript request and no signed Dodd Frank certificate. No signed IRS Tax Transcript request, and neither XXXX nor Caliber ever wrote to me to say this form was missing. MY RMA was denied, by Caliber for HAMP and then later, an in house mortgage. Caliber is now asking me to send in everything again. Therefore, they denied an incomplete application.
|
| 02/21/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have submitted a requested a mortgage modification with financials to Caliber Home Loans. I have a 1st and 2nd mortgage with them. My interest rate adjusting out frequently has put my family in a hardship, I have requested a fixed rate mortgage payment. I was recently denied because they stated I have excessive debts. The only debts I have is my mortgage payment. This is incorrect information my income does allow me to pay a mortgage payment. I feel I'm being discriminated against because I'm XXXX I want to keep my home. Please Help!!!!!!!!
|
| 02/11/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
XXXX XXXX of Caliber Home Loans promised me a {$250.00} XXXX gift card if I refinanced my mortgage with them. He promised an email containing this once I lock in my interest rate. This email never came. I asked XXXX about it and he was not much help, multiple times on XX/XX/XXXX and XX/XX/XXXX. I emailed his supervisor XXXX XXXX on XX/XX/XXXX per request of XXXX with no response. I emailed XXXX again about it XX/XX/XXXX with no meaningful response. I feel that they have lied to me to get me to enter into a financial product for their gain.
|
| 06/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX is reporting inaccurate account information to my consumer credit report! My mortgage payment with CALIBER HOME LOANS is not delinquent. Caliber home loans deliberately posts payments 40 days late. Caliber home loans doesnt communicate with their own in house credit department that they are behind in posting payments which leads to erroneous and inaccurate payment information being submitted to the credit bureaus. I called 2 weeks straight! XXXX in single point of contact hung up on me. Caliber home loans does not help the borrower.
|
| 01/26/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
My name is XXXX XXXX, and I have a VA loan with Caliber Home Loans. As of today, XXXX XX/XX/2022, my insurance company hasn't received my insurance company. XXXX XXXX told me that they sent three checks, but none of them have been received by my insurance company. Caliber Home Loans has a serious problem in their Escrow department, as their are many complaints on the XXXX website regarding the Escrow department. I would like the consumer financial protection agency to investigate this company 's Escrow department. I can reached at XXXX.
|
| 08/05/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
Our current mortgage servicer is Caliber Home Loans. Their attorney notified us in a letter dated XX/XX/XXXX16 of a sale date of XX/XX/XXXX16. We are asking to have the XXXX XXXX date set aside until our loan modification application currently under review with Caliber 's Mitigation department XXXX, OK, has reached a conclusion. Caliber 's SPOC requested additional documentation as of XX/XX/XXXX16. It appears that my wife and I are victims of duel tracking. ( Please see the uploaded document entitled " complaint '' for further details )
|
| 04/22/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
I fell behind on my mortgage payments due to illness, I started working with a housing counselor in XXXX 2015. She submitted a a completed workable solution packet to them. Maybe a month or two later, I received a call from my lender requesting I send in more papers. I did that. We have been to court here in XXXX.
eight times and only to be told they need more papers. I have done what they asked me over and over again. The housing couselor also sent them what papers they asked for. I only want to start making payments to save my home.
|
| 07/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Hello, I recently had a loan payed off with Caliber Home Loans. They charged for accrued interest on my payoff thru XX/XX/XXXX. I have proof from my new lender that the payoff wire was sent to Caliber before their XX/XX/XXXX cut off time of XXXX XXXX CST. They owe me {$29.00} one days interest. I spoke to their customer service area on XX/XX/XXXX, XX/XX/XXXX and they insist they received on XX/XX/XXXX. I think there business practices are deceiving and unlawful. Attempting to collect addl unnecessary interest days is incomprehensible.
|
| 01/16/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
On XXXX 2014 I made my regular schedule payment to Caliber Home Loans with my personal check from XXXX XXXX XXXX XXXX a few months i received a letter requesting payment which I provided a copy of my check payment from my bank.
recently XXXX payments were made for the month of XXXX on XXXX XXXX and the XXXX which i called Caliber Home Loans to request extra payment should be posted for the month of XXXX. I sent numerous letters and many phone requesting an investigation instead their collector department constantly requesting payment
|
| 04/14/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
We asked for a forebearance due to pandemic. Caliber sent paperwork saying that the entire forbearance amount would be due at end of forbearance. If the amount of forbearance was not paid they would increase interest rate and/ or start foreclosure proceedings.
Caliber has had several civil law suits for illegal mortgage activity.
We have an immense issue with our current mortgage which I WILL submit when all paperwork and text are copied.
Caliber is very difficult to deal with and takes no responsibility for fraudulent activities.
|
| 09/25/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My loan with Caliber Home Loans was transferred to XXXXXXXX XXXX XXXX XXXX after the security was acquired by XXXX XXXXXXXX XXXX. I've been informed by XXXX that there are 2 months of payments missing and that they are waiting on a wire transfer from Caliber in order to reconcile my account.
Caliber did not transfer all of the funds associated with my loan and as a result, my account is showing an incorrect balance.
XXXX has requested the wire transfer. Caliber has either been obstinate are incompetent in completing the request.
|
| 07/09/2018 |
Yes |
|
|
|
Web |
|
|
I had an FHA loan with Caliber Home Loan which was paid off on XX/XX/2018.
I checked with FHA by calling XXXX and was confirmed that not only the loan had been paid off, but also was I told there is a balance of {$21.00} which will be refund to me through the lender. FYI, my FHA case # is XXXX.
However the lender overpaid additional one month of PMI after pay-off on XX/XX/2018, making the balance increased to be {$200.00}. But the representative from Caliber named XXXX ( ID : XXXX ) refused to correct the error and refund to me.
|
| 09/27/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Unauthorized hard credit inquiry, on XXXX XXXX Caliber Home loans used a service, XXXX and information not provided to them to obtain mine and my wife 's credit reports. When questioned about this they apologized for the miscommunication. I 've challenged this inquiry with both Caliber and XXXX in writing to no avail. Caliber and XXXX indicated that I gave verbal consent which I did not which is a lie. Caliber just gave me the running around. XXXX removed the inquiry after I filed a dispute but XXXX and XXXX refused to follow suit.
|
| 11/03/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American |
|
My current mortgage is serviced by Caliber Home loans I tried to login today to make a payment because i am behind and it said my loan servicing is being transferred to XXXX and i will be notified once it has been. it directed me to the XXXX XXXX site and they dont show my mortgage. neither company will allow me to make my payment even though i am behind and trying to avoid foreclosure. the XXXX site says until i receive the letter regarding the transfer i should continue to make payments to my old company but they wont let me.
|
| 02/25/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
This is a follow-up to complaint # XXXX. Your response stated that Caliber Home loans will overnight me a check by XXXX in the amount of {$3500.00} on XXXX. I have not received a package from XXXX, and the tracking status shows pending. I called XXXX on XXXX, and asked why the package is still in a pending status. I was told that pending means that a label has been created, but no package has been received by Caliber Home Loans. I called Caliber and the representative that I talked to tracked the package and got the same status.
|
| 03/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My insurance lapsed for one month. I received one notice to provide proof of insurance. I purchased new homeowners insurance and provided the declaration page. They applied a negative {$160.00} balance to my escrow account and are making me pay for a month of forced insurance. I was not provided two notices before the forced insurance was purchased. I should not be required to pay for the forced insurance because I purchased a new policy ( XX/XX/2022 ) and provided the declaration page before the forced insurance was purchased.
|
| 01/27/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American |
|
on XX/XX/2021 payment was made online using my routing number and checking number saved in their system.
on XX/XX/2021 did the same online payment and they say the bank rejected it because of the account number. I just checked and it is now wrong!! it wasn't wrong last month..!! they added an extra number in my account number making it WRONG.
The only way to get hold of them is a XXXX number that says the call can not be completed at this time. No email address...
Caliber Home Loans , Inc .
XXXX XXXX XXXX XXXX, TX XXXX XXXX
|
| 05/31/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
In my XXXX past complaints with the cfpb about Caliber Loans, I received XXXX, conflicting responses to the same question which only adds to my confusion. According to Caliber, XXXX no longer owns my loan, yet Caliber has not registered this wit h XXXX land records. Their response was when it goes to sherrifs sale and is sold, then the transfer witll take place and that it was registered on XXXX XXXX and is pending. As soon as it goes through, I will be notified. As of XXXX XXXX land records has no record of this.
Which is it?
|
| 10/06/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
i applied for homeowner assistance with caliber home loan and my loan modification request is in process but i received a notice of sale at the same that my loan is in a on going loan modification which is according to California home owners bill of rights dual tracking, my loan was transferred from XXXX to caliber in which there was a requested open loan modification in place at time of the transfer which is the problem i have with caliber home loans that there not suppose to process a loan mod and foreclosure at the same time
|
| 04/07/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
In XX/XX/XXXX I took out a loan with XXXX XXXX. They filed Bankruptcy in XX/XX/XXXX. They apparently sold my loan to XXXX. Now I have been making payments to XXXX XXXX XXXX, XXXX. claiming to act as a Trustee for the XXXX XXXX XXXX XXXX XXXX in Delaware. ( I attach evidence ). Per RESPA, etc., this is a Qualified Written Request ( QWR ) and I would like them to send me an updated statement of all payments made to and received by them to date, as well as any and all information regarding any and all accounts open under my name.
|
| 06/20/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
XX/XX/18 XXXX mortgage company transfer my loan to Caliber Home Loan without providing the information I requested regarding, Real Estate Settlement Procedures Act.
I reqested proof of Real Estate Settlement Procedures Act ( RESPA ) to Caliber Home Loan, including its chain of title, and required notices of transfer, and that the foreclosure proceedings cease on XX/XX/2018 pending receipt of said documents. However, I had not receive the information, and Caliber Home Loan is moving forward with a foreclosure on my property.
|
| 05/24/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Caliber Home loans charged excessive fees without an explanation on the nature of the charges. Caliber Home Loans charged more fees on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2016 after they received the pay off {$770000.00}, .I closed escrow on XXXX/XXXX/2016.
Caliber Home Loans did not sent any explanation, receipt, invoice or proof of payment to persons or institutions.
It seems that Caliber Home Loans can charge whatever in a spreadsheet ( all kind of numbers ) and nobody in customer service can explain what those charges are.
|
| 03/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
( PMI ) Loan to value home appraised at {$67000.00} purchased price {$61000.00} base loan amount {$55000.00} as of XX/XX/XXXX debt on principle {$42000.00} called in XX/XX/XXXX to stop PMI payments need to sign request form to stop PMI documents to stop was not delivered. has not stopped called again XX/XX/XXXX told that i need to sign request documents to stop PMI still no documation was delivered as of XX/XX/XXXX i'm being over charged for past year please help This shoud have stopped when I reach 78 % of value {$52000.00}
|
| 06/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
On XX/XX/2021, I submitted an over the phone payment to Caliber Home Loans in the full amount of {$2900.00} My husband and I were looking to do a refi around this time and were informed not to make the payment for that month. However ; we decided that wouldn't be the way to go and to make the payment. After calling caliber customer service the agent insured us the payment would be received that same day on time with no problem. And of course this was our first time ever making a payment over the phone.
Records will verify.
|
| 07/27/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Caliber Loans keeps paying the wrong property parcel ID to my town so effectively my taxes are unpaid and I now have a lien threat or actual lien on my home. I 've been calling them and faxed them the tax notices at least XXXX time since the issue began in XXXX of 2014. I can only reach the customer service dept and they ca n't do anything and I ca n't call the tax research dept who is responsible for fixing the error. The parcel ID needs to changed, I provided the information and nothing has ever been done to my knowledge.
|
| 09/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
Servicemember |
|
Reached out to Caliber Home Loans about amending the credit reporting to our XXXX accounts. They informed us to call XXXX. When we called we were told that the account was deleted, and only the mortgage company could reinstate the account. We have been corresponding with the mortgage company since XX/XX/2021, and now its XXXX. Nothing has been fixed we received several letters from Caliber stating that they are reporting as recently as XX/XX/2021. But I would really like to know how they are reporting to a deleted account.
|
| 06/20/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My husband and I received a Notice of Eligibility from the State of NJ for the XXXX Forbearance. The instructions were to forward a copy to our mortgage company and ask for a letter of forbearance from them. I called my mortgage company on XXXX/XXXX/17 and was told to e-mail a copy of the letter. I did that and have not yet received the letter requested. They call me several times a week and do n't know about the letter. They put me on hold to look into it and then tell me to call back in 10 days. This is very frustrating.
|
| 01/22/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have been trying to get a loan modification for over 4 years with my lender ( s ). Last summer I was denied based upon the LTV not over 80 %, but the lender would not tell me what valuation they were using despite multiple requests. The home went back into foreclosure during the fall. The lender said I could re-apply for a loan modification, but kept telling me the application was not complete. They made several mistakes then set up a sale date which they will not postpone despite my loan modification being under review.
|
| 01/26/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I was approved for HAF through state of Florida.
Caliber had received past due amount from XXXX. They posted this on XX/XX/XXXX. They also received XX/XX/XXXX 's payment in early XXXX and posted the mortgage to my account on XX/XX/XXXX.
I have tried to contact them via email and via telephone ( 2+ hour wait on phone ) to inquire about XX/XX/XXXX mortgage ( {$1300.00} ) that was sent to them on XX/XX/XXXX. I have now been assessed a late fee, although HAF has indicated the payment has been received and posted by XXXX.
|
| 04/28/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Caliber Home Loans will not pay our property taxes. They were due XXXX XXXX , the taxes were n't paid. Then we got another bill for another due date of XXXX XXXX with a fee tacked on. They still wont pay it. I have called and emailed. Nothing. The said they will send the money in 10 business days, but they did n't. Then they said they will send it in 5 business days. Caliber Home Loans i s a joke. I would n't get a loan through them. As soon as we have money to refinance and get away from the company, we will.
|
| 12/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I sold the house, so the loan was paid off. Both the mortgage company and the title company paid taxes due. So, they were double paid. XXXX XXXX has confirmed that the title company 's funds were applied, and the payment from the mortgage company was rejected. The mortgage company is refusing to refund me those funds saying they gave it to XXXX XXXX. I have sent proof from XXXX XXXX that it was paid by the title company. Mortgage company tax department basically said tough luck. The loan was paid in full XX/XX/2022 XXXX
|
| 01/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Grossly mismanaged escrow account by Caliber Home Loans. Paying more than one homeowners insurance company in full for the year causing an escrow shortage despite multiple attempts to cancel the insurance we switched from. Consistent escrow shortages and estimations resulting in highly fluctuating payments. Inability of customer service representatives and supervisors to provide any consistent message on the variability of payments and fluctuating escrow balances. We highly suspect intentional mismanagement and fraud.
|
| 06/04/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
my name is XXXX XXXX, for the past 12 month i been asking caliber loan mortgage for a loan modification.an, d a 3month trail period, but what they did put my loan in foreclosure.before review my information, i ask them to produce the note on my loan i belive it to be wrong when XXXX motgage sold them my loan.but caliber when ahead a foreclosure.is there a law that said that the mortgage company have to follow be for they foreclose on you.
looking to see what answer you will get back from caliber home loan.
thank you
|
| 03/22/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
After already receiving confirmation that my mortgage payment for the month was made & without penalty, I received a threatening notice that " my payment was late '' & that " it still needed to be made ''. This is the same harassing contraction that I had to go through last month with the same mortgage company ( Caliber Home Loans ). For a monthly mortgage payment of {$1700.00}, THIS KIND OF UNPROFESSIONALISM NEEDS TO STOP! The unnecessary stress it is causing is compromising my ability to relax in my personal life.
|
| 03/15/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
On XXXX first I made my payment of {$2500.00}. There was a processing error and I was double billed for a total of {$5100.00}. I have contacted the lender and they keep making excuses on why its taking so long to refund the money. I called today and was told they made another error and would have to start the refund process over. I have incurred overdraft and late fees that cant be refunded from other accounts. They wiped out my checking account and have left us in a hardship situation that they care nothing about.
|
| 06/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Caliber homes loans requires 40 days to post mortgage payments to consumers account. Caliber home loans does not communicate this with the credit department within the caliber home loans institution. This harmful behavior causes the consumer credit report to be ruin. My XXXX payment is in the possession of caliber home loan and has yet to be posted in the month of XXXX. Caliber says they will post when they get to it and fix credit later. This is a horrible response. This is a careless response for the consumers.
|
| 07/03/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I was offered a trial modification by Caliber Home Loans and have made my trial payments within the month, as I am suppose to. However, my May payment was never posted, and I immediately contacted Caliber and requested my Payment to be processed. They agreed and my payment was processed. In XXXX I sent my Payment in, as instructed, and it has not been processed. I attempted to make the payment through the automated payment, but it would give me an error message and I was unable to successfully process my payment.
|
| 06/30/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I need assistance with two issues. In XXXX 2016, while in Chapter XXXX Bankruptcy. I signed an agreement with Caliber Home Loans to do a 3 month trial loan modification. As of XXXX XXXX, 2016, I 've been in a 90 trial loan modification and keep receiving calls and literature from real estate agents because my home appears to still be listed in Foreclosure status.
Also, my mortgage was FHA Fixed. Somewhere over the past few years itt was switched to a Conventional. But I 'm not sure if it 's fixed or adjustable?
|
| 11/28/2017 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
open escrow on XXXX-17 this was a 20 day escrow I paid for appraisal and inspection, seller got termite and hoa inspection done purchased home warranty. On friday XX/XX/XXXX at XXXX I was told I didnt have a loan and I loss the house because I was not fully qualified. I also gave notice to my apartment to be out by XX/XX/XXXX. I had put gas and electricity in my name already as I was told too, purchased a home insurance as well.
I signed disclosures of rate, had rate locked, amount of all expenses to buy house
|
| 08/17/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
I have a mortgage with Caliber Home Loans ( Account XXXX ). This Bank and prior banks are changing from Bank to Bank my account. I would appreciate if you help me to send to XXXX Bank. In XXXX Bank I have my checking account and is easier for me to pay my loans. I want to consolidate all my loans here.
I also need your help to review my account in this Bank ( Caliber Home Loans ) because they are charging escrow amount that I am not agreed.
Thanks XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXXXXXX
|
| 04/15/2015 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
Caliber Home Loans bought my mortgage XX/XX/XXXX. I had relocated and listed the home on XX/XX/XXXX in a short sale with XXXX. Caliber sent a deputy sheriff to my new apartment and served foreclosure papers to me XX/XX/XXXX. XXXX later, XX/XX/XXXX, XXXX and XXXX sent a letter to me cancelling the foreclosure hearing of XX/XX/XXXX. How do I find out what is going on? This worries me because no one will tell me why the hearing was even scheduled and now why XXXX has been cancelled. Property address is XXXX nc XXXX
|
| 09/01/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
- Fees or costs during the application process
|
|
Web |
|
|
I purchased home a on XX/XX/XXXX with Caliber Home Loans for XXXX I put a down payment of XXXX than sold the home for XXXX 3 months later to a cash buyer buy I tried to purchase the other house for XXXX I only had XXXX as a down payment than I was told to get a FHA loan that as mortgage insurance which I was trying to avoid and till this day I have mortgage insurance than my mortgage was sold to XXXX when I later refinance to get a lower rate. The numbers do not add up can you please help a Senior in need
|
| 04/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My Mortgage company believes that I paid my XXXX payment late. I paid for it on XX/XX/2021. I do not see the payment as late but they say it was returned on XXXX XXXX, 2021. I do not see that it was returned on my side. If the payment was returned, it was due to unforeseen circumstances due to COVID 19 and unexpected associated costs due to illness and family expenses. The loan company says the loan was eventually paid in XXXX. There have been no late payments since then. The loan company is Caliber Home Loans.
|
| 04/16/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
No prior notice of default or dispute for note acceleration Prolonged prior loan modification by consistently stating that paperwork not received placing property in foreclosure.
prolonging get contractor paid due to stating paperwork not received, paperwork done incorrectly per their instruction, losing draft, stated they never got it, but third party confirmed they sent it to him by mistake, this preventing sale of the property.
Offered {$8900.00} move allotment which they received, but did not stand behind
|
| 09/20/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account.
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance
|
| 06/01/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
There have been several major problems with Caliber Mortgage, as I have complained about their failures 2 times -- -failure to post payments ( signif. amts ... {>= $1,000,000} since XX/XX/XXXX ), failure to update my account accurately -- -in turn, failures to report accurate info to XXXX Credit Bureau XXXX My credit score is suffering, due to inaccurate reporting info. Also, they say I owe for XX/XX/XXXX -- -not true. And they 're threatening foreclosure action, even tho I 'm paid up on mortgate..thank you.
|
| 08/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Caliber Home Loans is reporting an erroneous late on my account. I recently checked my credit file and noticed this late. I made my payment on a weekend and they didn't process it until Monday. Reporting this late is absolutely absurd. My payment was available to them on XX/XX/2020, that is not late! I have tried contacting the company directly but can 't ever get through to them through the phone. I was not late and never have been late on my payments on this account. I need this late to be removed/fixed.
|
| 01/14/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My home is in a DECLARED NATIONAL DISASTER area due to the wildfires, I have applied and requested disaster assistance and forbearance but in the middle of the review my loan was transferred to a new servicer and they will not push or hold the sale date to review the disaster request. I have tried to contact them for over a week but they kept telling me that they do not see my account information because it is in the transfer process. I have a sale date in 3 days, but I am a disaster victim. Please help me
|
| 09/26/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Caliber, my mortgage broker made a major error and misrepresented the GFE, by using the taxes from the previous year on an unimproved lot, as the taxes on my new construction home.
After a year, my mortgage payment increased permanently by {$480.00} per month due to the tax error, and required a large catch up payment for my depleted escrow, which they allowed me to make over time.
Caliber, was unapologetic saying " this happens all the time with new construction '', indicating neglect of responsibility.
|
| 05/06/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
did a loan modification. did not like the terms ; appealed it. they never addressed my concerns in the disagreement and just sent me another copy of the same agreement. escrow shortage ; I sent the money ; they sent it back. all month of XXXX I'm trying to resolve. today XX/XX/19 I call and they tell me my modification was denied because I did not send in a payment. who pays when you have disagreements? I am so tired of them. this all started when the government shut down and my husband passed away.
|
| 02/02/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My mortgage was sold to another company and the mortgage payment went from arouond {$520.00} a month to over {$1000.00} a month. Is this legal? I have tried to get information as to why the change has occurred but no one can tell me why the payments have doubled. I have been fighting with the new lenders since XXXX. Now my mortgage is in jeopardy of foreclosure. I 've been with XXXX XXXX since the loan was taken out in the XX/XX/1990 's and now they sell my mortgage and I 'm getting punsihed for it.
|
| 09/23/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
CALIBER HOME LOANS refused to take my payments since XX/XX/2022 and asked for documents for loss mitigation that has been sent multiple times and they would wait 3 weeks to send a letter stating they were incorrect. We have spoken to them many times and they said our loan modification was in underwriting and the foreclosure was cancelled on XX/XX/XXXX. Then yesterday XX/XX/XXXX I get a letter stating I have to pay them $ XXXX or my house is going to be foreclosed on in 11 days. This can't be legal!
|
| 11/30/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I routinely pay an extra {$62.00} on my mortgage that should go to principal. In XXXX, this amount was applied to erroneous fees that were subsequently reversed. Despite multiple attempts to get this amount correctly applied to principal instead of fees, this has not happened yet. The last correspondence that I received said that the matter was being referred along but I 've yet to be contacted about it and my account still does not reflect my {$62.00} reduction in principle from my XXXX payment.
|
| 06/20/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
In 2004 we refinanced our home with XXXX XXXX XXXX dba XXXX XXXX XXXX. The note and deed of trust were immediately purchased by XXXX XXXX. The total amount of the loan was {$310000.00}.
We have been paying on this loan but apparently XXXX XXXX never received the payments so we have requested an accounting to be done on the loan and are waiting. Please see attached request for leave from the XXXX Circuit Federal Court of Appeals.
We expect to see all books and documents regarding this loan.
|
| 08/31/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I was a customer of Caliber Home Loans. When I refinanced, they failed to fully return my property tax escrow. I went to the county tax assessor and confirmed that a disbursement Caliber claims they made was never paid out. Twice I have opened a case with Caliber. They tell me I have to wait two weeks for a resolution and that they are escalating. Twice now they have 'accidentally ' closed it and told me I have to start all over again. I feel they are trying to keep my money ( over {$2000.00} ).
|
| 10/23/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
we have XXXX complaints XXXX is with Caliber Home Loans they took XXXX homeowners premiums from our escrow XX/XX/XXXX and they are trying to make us repay our own money they cut a check to XXXX XXXX XX/XX/XXXX and stopped payment on this check after they over nighted a check to XXXX Then XX/XX/XXXX they went up on our payment XXXX dollars a month saying we were XXXX dollars short in our escrow we went to an Attorney and at first he said they were wrong but two weeks later he says they are right
|
| 07/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We paid of our mortgage as part of the sale of our home on XX/XX/28. Caliber is refusing to send the remaining funds in the escrow account for 21 days. Nothing in the contract says that we have to wait 21 days and they are not giving any valid reasons for this delay. It is our money and we should not have it held from us. The account is not past due and never was, nor was any payment ever missed. Again, the account is paid in full and we have already received a PIF confirmation from Caliber.
|
| 03/06/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I called Calliber customer care department XXXX and spoke with XXXX. To my surprise, he said that XXXX XXXX 's modification was denied for missing documents. He also said they had not received documents since XXXX, which is untrue.
The servicer has a complete modification package. I spoke to a rep on XXXX and they requested a Profit and Loss as the last piece of documentation needed to reach a decision. Yet XXXX stated on XXXX the document was never received which was sent via email on XXXX
|
| 11/16/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I have a three months modification trial, I made all my three payments on time, but never got a final modification because my loan was sold to a different bank and the new bank not honoring my modification and going through with the forclosure on my home. That should be illegal, these guys are bunch of XXXX playing with people lives and deals and they should be stored, cuz they are doing it to a lot of innocents hard working people, that all they want is save their home and dignity. Thank U.
|
| 09/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I'm XXXX XXXX, and I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now harming my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They must identify who started the account in my name and just provide that individual my information. Kindly help me in solving this.
|
| 12/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
At the closing signing on XX/XX/2021 I was charged a {$1200.00} fee for a rate lock extension. This fee was not present in previous hard copies of the closing documents and during the closing process I spoke to different agents but there was still confusion so Caliber Home Loans said " it would honor our original agreement '' and reimburse me the {$1200.00} fee and that the agent would help me obtain that reimbursement and I still have not been reimbursed and I have followed up many times.
|
| 03/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
A tree fell on my house XX/XX/XXXX. I finally settled with my insurance company in XX/XX/XXXX and submitted an insurance settlement check for {$140000.00} to Caliber Home loans in XX/XX/XXXX. Caliber completed inspection in XX/XX/XXXX saying my home is 85 % complete with repairs. Caliber will not release any of my money so that I will be able to finish fixing my house. I have called Caliber Insurance Department since XX/XX/XXXX to resolve this situation and they will not release my money.
|
| 02/27/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Two plus years ago my mortgage company took out an insurance policy on my home when I already had one, then in short subsequently changed my payment amount monthly during a 2 year stint to try and correct this issue. Hence every time I tried to pay my mortgage it was never the correct amount and they would mark me as late. It took me two years to get someone to finally look into this issue. once done, they agreed with my but still refused to correct the damage they had done to my credit.
|
| 09/24/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I was charged a late fee for a payment that was n't late. I have my mortgage payment on an automatic bill payment ( for the last several years ) and the records show this particular payment was sent on time ( XXXX/XXXX/15 ) and delivered four days prior to being late ( XXXX/XXXX/15 ). The first time I called the company they said they would not charge me the late payment. When I was charged, I called back and was eventually told by the CSR " I do n't have time for this '' and hung up on.
|
| 03/19/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Im writing this letter because I feel upset about my refinance process. I started the process on XXXX and as of today I havent been able to close because Caliber Home Loans has Fail to comuncate with me they has changed the loan consultant many times and the havent told me. I call them multiple times and they never call me back with an update. All the documents needed for closing are going to expire soon and im not willing to wait more because the market and interest rates are changing.
|
| 03/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This mortgage was closed and paid in full to Caliber during a refinance. Caliber is reporting the XXXX Payment Late and the Account still remaining open with a late payment history in XX/XX/2019. It needs to show closed in XX/XX/2019, and paid as agreed with a {$0.00} balance as of XXXX XXXX.They refused to make any corrections -despite the numerous calls to customer service. They also refuse to transfer me to the department in charge of credit reporting, and also the legal department.
|
| 09/27/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
dear sir-i am trying to do loan modification with caliber home loans send them all they asking 3 time -- -call and tolk to about XXXX rep from there co, every one tell me something different -- send them with the USA mail service register with the return receipt all the ask..i am asking them.-to validate the debt -- -- -- debt validation -- -- -- not account summery.-also to send me a proof theta i have contract with them, i also need there tax registration certificate, than you-XXXX.
|
| 08/04/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
When we mail our mortgage payment on time for due date it is processed in a timely matter in 3 days. When it is after the XXXX of month and near late date of XXXX it is not processed in a timely matter, but we are told it did not arrive by XXXX and then charged an {$80.00} late fee. The lender is Caliber Home Loans XXXX XXXX XXXX XXXX TX XXXX. If this is a common practice it should be looked into and a possible class action suit brought for this practice of holding payments by check.
|
| 10/27/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
My ex-husband and I closed on our house on XX/XX/XXXX, and have yet to receive the remainder of our escrow account from Caliber. They claim they sent one check out, but we never received it. We still haven't received our second check, even though they claim it's in the mail. I offered to send them a tracking label and envelope, and they wouldn't take it. In the meantime, they sent us a letter offering to refinance our mortgage with them. They clearly aren't sending us this money.
|
| 03/20/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Predatory lending : unfair, deceptive, or fraudulent lending practices, which imposes unlawful and abusive loan.
Unlawfully foreclosure while on bankruptcy XXXX. Disallowing the property owners to get refinancing or lower the interest rate and mortgage payment after repeated request to Leander.
Adjustable rate mortgages, 8.0 % ( highest interest mortgages ), and balloon payment loans. Other predatory tactics include charging excessive and/or hidden fees in the amount financed,
|
| 09/03/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have a 30 yr mortgage with Caliber Home Loans for the past 3-4 yrs. As of XXXX-2018, they began adding on a {$3.00} fee per month for paying the mortgage online. This doesn't seem fair to me. They state that if I setup a scheduled monthly payment cycle on a certain date then the fee won't apply. I'm not able to do this - I manage my mortgage payment based on pay dates between my wife and I. I don't feel that Caliber should be able to add this fee on. Please advise.
Thank you.
|
| 06/15/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Back in XX/XX/XXXX there was a really bad Hurricane and i was in contact with Caliber mortgage about my mortgage payment almost every week. The reps on the phone kept telling me that due to the natural disaster that we did not have to make our monthly payment. Than i checked my reports and they reported me 30 days late. I than called and the rep said that if i disputed the alleged late pay that they would correct their mistake. Well i disputed it and they still have me as late.
|
| 06/11/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I recently bought a home in XXXX, SC. I informed lender that I would be applying for state residency, and when residency was achieved, my property tax would be drastically reduced, so the amount of monthly escrow would need to be adjusted. Lender said no problem, he would put me in touch with financial department and they would get it done. Upon closing, my mortgage was sold to another lender. Residency was achieved. Lender refused to adjust my escrow payments. This is THEFT.
|
| 10/14/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Received a letter from Caliber Home Loans of payments changes without given explicit explanation of the payment changes. If the change is because of escrow or taxes, they should provide the possibility to pay that adjustment. I believe to just notify changes without explanation is a really bad practice of the mortgage company, which can allow making any changes potentially illegal charges. As a matter of fact, I will pay interest for that amount because of this bad practice.
|
| 06/11/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I received a notice from Caliber Home Loans that effective XX/XX/2018, they are now charging a fee for mortgage payments submitted online or via their app. The only way to avoid this fee is to mail a check or use recurring payments.
I plan to pay off my mortgage early by making additional monthly principle payments early in the month. Caliber 's new policy now makes it more expensive and time consuming for me to make additional payments and to pay off my mortgage early.
|
| 09/13/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I was behind on my mortgage for my condo, The total in back payments was a little over XXXX. The payment has been {$790.00} for the past years, which is confirmed on my credit report,, I paid the {$62000.00} to have the account current. The bank told me my payment will remain the same as long as I continue to make payments on time.
After my payment of {$62000.00} was received, the bank started to send me bills of {$2500.00}, {$1400.00} not the agreed amount of {$790.00}
|
| 04/17/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
I got my last mortgage statement, with a significant increase in payment, from XXXX to XXXX. When I tried to inquire about this issue with Caliber Home Loan, which requires your loan number, all forms of communications, voice, on-line, do not recognize the account number, XXXX, on my mortgage statement. When I try and e-mail XXXXXXXXXXXX, found on my mortgage statement, there server refuses the e-mail.
I seems to be no alternative other then mail, to contact this firm.
|
| 01/22/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
My mortgage loan of my house was sold to Caliber home loans and I have a sale date on XXXX XXXX, 2016. I am not being given a change to get any of the work out options to keep my family home. When I called I was told that I have a person who handles my account. Left few voice mails but no call back. I want to modify my loan but I am being told that there is not enough time to review for modification and sale date will not be postponed by customer service representatives.
|
| 02/16/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Initially, I submitted documentation to Caliber Home loans that there was no lien on the home from XXXX XXXX, because I had only received a notice in the mail regarding that XXXX collection agency.
After going down to the courthouse, I learned that XXXX XXXX had a judgment on my home. The debt was paid on XXXX 2015. In XXXX 2015 Caliber received documentation that the debt was paid and there was no lien on my home. Caliber still denied the remodification due to a lien.
|
| 07/12/2016 |
Yes |
- Debt collection
- I do not know
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Web |
|
|
This complaint pertains to : Caliber Home Loans , Inc, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, as Trustee for XXXX Master Participation Trust, and XXXX XXXX XXXX, XXXX.
Issue : Attempting to collect a " debt '' and attempting foreclosure without possessing debt note and deed of trust. Did not provide meaningful response to multiple qualified written requests and debt dispute validation. Filed documents affecting interest in the property in violation of automatic stay.
|
| 11/16/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Caliber Home Loans has misappropriated my mortgage payment and they are claiming that I have not paid my mortgage since XXXX 2015. This is inaccurate and I have my bank records showing that Caliber cashed the checks. I have written a letter to Caliber Home Loans with attachments showing that I am current with my loan payments and they are still threatening to foreclose on my property. It is a simple adding and subtracting issue on their end that they refuse to remedy.
|
| 03/31/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I was on the title with my wife who passed away in XXXX, they were quick to say that i was accountable for the loan which i made the payments and the loan has been paid off, and they put the tax statement in my name but they've sent XXXX checkes in the estate of XXXX XXXX as i've explained there's not one, but still not gotten my money from the escro the house was paid off on XX/XX/2022 but they wont put the check in my name. seems they are trying to steal my money.
|
| 12/27/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have been trying to work with Caliber for a loan modification and they have acknowledged all the documents received and they still will not postpone the foreclosure sale date to allow us an opportunity to keep my home. I had a XXXX which forced me our of work. I have my Daughter taking care of me at this time. I am currently receiving Social Security benefits and of course the help of my Daughter. I dont have any where else to go if i lose my home. Please help me.
|
| 08/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I filed a Chapter XXXX Bankruptcy in Federal Court in XX/XX/2016 and Caliber Home Loans is claiming to be the servicer of my note but I have yet to receive an updated statement. I still do not have documentation proving that my note was sold, nor do I have a receipt of all the pre and post petition payments made to them. I attach a copy of the evidence of payment during last year to the Trustee. I demand a correct statement and all information regarding my mortgage.
|
| 03/31/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Applied for a modification and I was approved for a temporary payment reduction and an extension of 21 more years. I was not happy with the terms and was told to sign it and send it back for review and then call to discuss for other options. After a week I called the mortgage company and was placed on hold several times. I was told i will get a call back and to no avail that never happen. My rate is over 9 % therefore the mortgage company is making money off of me.
|
| 08/01/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I am currently behind in my mortgage payments with Caliber Home Loans and need help. I have provided all documents they requested to be considered for a loan modification and they are telling me I am in review. They also said I have a foreclosure sale scheduled on XX/XX/2016 and there is no way to tell if it will be postponed. I am reaching out for any assistance you can provide in getting the sale date postponed. Your assistance is greatly appreciated, thank you.
|
| 02/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My ex wife is the successor in interest on my mortgage loan, and I am the primary borrower. Caliber home loans is the servicer, and they allowed her to change the homeowners insurance. They have said successor in interest is allowed to make changes to the mortgage. They say they are following federal and state guidelines, yet repeatedly refuse to tell me what those guidelines they are following. They refuse to send me any documentation regarding those guidelines.
|
| 04/15/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Dual Tracking and Foreclosure violation by Caliber Homes Loan. We applied for loan modification due to unemployment and underemployment before XXXX XX/XX/XXXX and more than 37 days from the XXXX XXXXXX/XX/XXXX foreclosure, sale date on my home. However, although, our modification process is still currently going on, Caliber Home Loans, has simultaneously, scheduled a foreclosure date for XXXX XXXX, XX/XX/XXXX ( now, roughly, 2 wks from today ).
Please, Help Now.
|
| 12/19/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I receive refinance information multiple times from my mortgage processor caliber home loans. I am interested in short refinance program FHA loan and this offer ends by the end of this year. I found a lender willing to do the loan but because caliber has my information false they have me delinquent in XXXX even though I was not and they have me as having taken out a second Lian even though I have not because my home has been upsidedown since I bought it in 2006.
|
| 08/19/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Caliber Home Loan, my mortgage servicer, continues to call me everyday but refuse to tell me what it is about. The agent asked for my social security number and address and I refused based on the ground they called me and I have no way of knowing if they are identify thief. I asked for email or direct mail to detail the matter they would like to discuss but they simply say the phone call will continue. My mortgage is current. Please make Caliber stop calling me.
|
| 12/19/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I bought my home in 2006 with XXXX MORTGAGE. I made my payments every month. My mortgage was for XXXX. My home was sold to Caliber and they are trying to say I owe XXXX. How is that possible? What happened to my equity? I have been trying to get a modification from Caliber and they are playing games with me. They keep asking me for the same papers over and over again this has been going on for almost a year and no modification and they wo n't accept my payments
|
| 11/05/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Tried to modify home loan with Caliber Home Loans again, and again they keep losing the paperwork and or say they will send paperwork to fill out, but it never comes.
We are now a few months behind, but have the funds to catch up on the loan, but Caliber Home Loans refuses to provide us with a statement of current balance. In fact, Caliber Home Loans has not mailed us a statement in over 6 months! How can we pay when our payment amount to catch up is unknown?
|
| 12/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
The Value of my house increased and now I have more than 30 % equity in my house. I applied with Caliber home loans to remove the PMI. but every time i call and check on the process I get different answer. sometimes they acknowledge that there is an application and sometime they say when did you apply I don't see your application. Caliber home loans don't wan na remove my PMI and they wan na keep charging me $ XXXX for PMI that i don't have to have. thank you
|
| 01/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Caliber Home Loans Continues to report incorrect information that is damaging to XXXX score and reduced our ability to get approved for a loan and caused creditors to deny us credit and has delayed the buying of our horse barn warehouse and has postponed our development.
See attachment from XX/XX/2022.
Caliber has not reported my on-time payments for XXXX and XXXX and made a mistake and marked XXXX 30 days late, and the ending month balance is wrong.
|
| 09/18/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Two undisclosed or explained checks were sent to me as part of the overages in the original mortgage account. The checks were made to creditors that have accounts at {$0.00}. The checks can not be cashed by me and the company refuses to issue new checks.
The company is Caliber Home Loans. They are not willing to correct the checks.
Two checks written, one for {$1000.00} and the second for {$630.00}.
Both to accounts that are at a {$0.00} balance.
|
| 09/13/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My concern is that Caliber Home Loans has allowed alot of time to go by to tell me that I do not qualify for a loan modification. I have been working with them for 2 years and just recently they advised that my Investor which is XXXX XXXX, will not allow me a loan modification. I dont understand why they would allow so much time to go by to say that when i could have been seeking other avenues. Now I am going to lose my home on XX/XX/18. Please help.
|
| 08/24/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have a home mortgage with Caliber Home Loans. I 've been working with them on a loan modification. As part of the modification process, I 've fallen behind on my payments because they are refusing to take payments while the loan modification is in process. I 've submitted all the paperwork and responded every time they have asked me for more information. At the same time, they have initiated foreclosure proceedings and set a sale date for my house.
|
| 11/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Caliber home loans ( XXXX ) &. XXXX XXXX ( Trustee ) they have Overcharged in the Foreclosure sale.
my loan number is : XXXX As to the last Statement shows total amount due and owed was : {>= $1,000,000} BUT, the house was foreclosed at : {>= $1,000,000} Caliber home loans OVERCHARGED me for : {>= $1,000,000} By law they couldn't charge late fee over {$1500.00} and NO Attorney fees I should receive back the OVERCHARGED AMOUNT.
XXXX XXXX XXXX
|
| 03/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I submitted a short sale packet ( complete including an offer of {$240000.00} ) and I was told the Private Investor refuses to review for loss mitigation options as they will not agree to accept a loss. I have been negotiating short sale for 7 years and have never for of a investor that will not participate, is this allowed?
There is a foreclosure date set for XX/XX/2018 that we are trying to get postponed to allow for short sale consideration
|
| 03/09/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I applied for a loan modification thru my attorneys office. We provided the bank with all required paperwork. The denied the request because they had set a sale date and the package we submitted was XXXX % complete and we were missing just one document. I have acted in good faith with Caliber Home Loan ; and then continue to delay and refuse to postpone the sale date so that my modification application can be reviewed properly with my attorney.
|
| 09/18/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I am writing to request the information described below in regard to the mortgage on my property at XXXX XXXX XXXX. XXXX, Al XXXX.
Please give explanation, as to why your company failed to produce and provide, itemized mortgage statements for XXXX and XXXX of 2015. In the multiple correspondences, never has your company produced, or provided those two months, EVER. Do they exist?
Immediately stop foreclosure proceedings, and fix all errors.
|
| 09/19/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I submitted an extra, one time payment of XXXX dollars to my loan principle. Instead of applying to the principle, my lender ( Caliber Home Loans ) withheld the amount to apply to my reoccurring monthly payments and pushed the due date of my next payment significantly to the right. I assume this is a fraudulent attempt by the lender to collect more interest with the assumption that the home owner will fail to catch the issue, but I am unsure.
|
| 11/23/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I was attempting to refinance my home. The mortgage company Caliber Home Loans had quoted me a new rate and I had eSigned documents and provided my tax and pay stubs. On XX/XX/19 I received an email saying I had locked in the loan and then the agent taking care of me just vanished. I tried getting following up but nothing happened, I eventually received a letter saying I had canceled the process and so they would stop processing my refinance.
|
| 01/25/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XXXX XXXX, 2016 I filed a Chapter XXXX Bankruptcy and the Servicer Caliber home Loans was obligated to post approximately {$5500.00} in the suspense/unapplied payments account to my post petition regular payments, plus another {$4500.00} approximately that I sent them during 2016 and they failed to do so. I need them to immediately send me an updated balance and payment sheet as soon as possible with all of this payments posted correctly.
|
| 07/06/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have a FHA mortgage that is beening serviced by Caliber Home Loans and the lender has not afforded any of the mortgage rights that accompany a FHA Loan. I have not been afforded an opportunity to have a face to face with my lender.
Moreover the lender has told me that there investor does not allow a short sale. This is not true as this loan is an FHA loan. I have several offers on this property and the property was listed with a realtor.
|
| 03/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
This is a continuation from a previous complaint XXXX. I have been trying for nearly XXXX months to get my COVID relief foreberance ended and normal payments resumed. I am currently making a monthly payment of XXXX while they are " processing '' this deferral. I need this done ASAP so I can refinance this loan at a better interest rate with a lender who doesnt drag their feet for 7 months. XXXX months is waaaay too long for this process.
|
| 06/07/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
In the foreclosure process and Caliber homes does n't seem to be willing to work with me. I was requested to submit the same documentation in different formats over 5 different times. My application is about to expire because they did n't like the formatting of what I submitted. I also get different answers each time I call. I have been working with them since XXXX 2015 and still do not have any answers on if I will receive a modification.
|
| 04/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Each week, I receive notices from various mortgage companies making me offers to refinance my mortgage. They make it appear as though it is coming from my mortgage company - for example the letter is addressed to me, and the return address is my mortgage company, but it is not my mortgage company.
For example : Caliber Home Loans , Inc .
XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX Nationwide Multistate Licensing System and Registry # XXXX.
|
| 07/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
Servicemember |
|
I have contacted Caliber Home Loans numerous times about this issue. I Filed Chapter XXXX And it was converted to a Chapter XXXX. On my Credit Reports, Caliber Home loans refuses to show the account as included in Bankruptcy. This is damaging my score as they are in clear Violation of the FCRA and the Bankruptcy Code. I received my Chapter XXXX discharge on XX/XX/2020. This is ridiculous that I can not move past this mortgage company.
|
| 03/26/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have repeatedly filed for a forebearance with my mortage company over the past two years. I have each year had a valid unemployment letter. the company has unfairly denied my modification request. I have money to meet my priority debts and i am being unfairly denied the forebearance. I have all the paperwork including proof of unemployment and a completed modification form and i am not being approved for the request for forebearance.
|
| 05/08/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
When I took out my mortgage in XXXX , the promised a low interest rate and affordable monthly payment, as advertised. However, the interest rate and the monthly payments did not take place as promise by the bank. XXXX XXXX started a foreclosure against me even though I though I took out a loan with XXXX XXXX XXXX . My case is not an unusual one. I am one of the hundreds of thousands who were victims of the housing bubble.
|
| 09/11/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
We are Executor and heirs to the property in question and we were not aware of a mortgage on the loan. We are in jeopardy of losing our family home because we were not served a Notice of Foreclosure. The deceased parties have been deceased since XX/XX/XXXX and XX/XX/XXXX with No mention of a mortgage.
We need time to verify that the debt is in fact our family debt and if so we must be given a payoff so that we can settle the matter.
|
| 03/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
XXXX and XXXX both have my mortgage with Caliber Home Loan as being delinquent.
I filed a complaint against Caliber Home Loan back in XXXX. You resolved the issue satisfactory. I refinanced with XXXX. My loan closed end of XXXX. My Caliber loan was closed.
To my surprise, I checked my credit score and XXXX, XXXX and maybe XXXX now have my account as delinquent.
I called Caliber and they confirmed I was never delinquent or late.
|
| 10/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 08/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 09/09/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
We are trying to pay off our mortgage loan. When asked for a payoff statement, the amount of principal remaining does not make sense based on our agreed to payments and the loan maturity date. The customer service reps on the phone could n't even look at the payment history that the company sent me by mail. In reviewing the payment history, it appears that some of my mortgage payments were n't applied or were misapplied to interest.
|
| 08/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 03/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I began the lending process in XXXX at which time a rate was locked in. After FOUR MONTHS of DELAYS, including the wrong loan type being identified, the contractor submitted incorrect quotes multiple times and several delays from the underwriter, I was suddenly notified that the rate will increase.
This is unethical and predatory, based on the delays being caused by the financial institution, to pass this cost on to the consumer.
|
| 03/04/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
Caliber Home Loans charged my bank account {$1600.00} and I do not have an account with them. My bank ( XXXX ) is now holding the money until it is no longer pending. They would not tell me if the customer used my name also along with my bank account number, which is basically protecting a criminal or themselves for a mistake. I think they should be looked into for allowing criminal activity or negligence with large sums of money.
|
| 02/18/2017 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
Servicemember |
|
My private financial information was stolen and used to open a Mortgage loan with CALIBER HOME LOANS, INC. As a result of this identity theft, the fraudulent loan opened with CALIBER HOME LOANS, INC. is in default and now CALIBER HOME LOANS, INC. is conducting a fraudulent foreclosure to try and take my home. I have never applied for a loan with CALIBER HOME LOANS, INC. nor have a received any money from CALIBER HOME LOANS , INC .
|
| 07/01/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
After I faxed in a " XXXX, '' and an " AFFIDAVIT OF SURVIVORSHIP with XXXX XXXX XXXX 's DEATH CERTIFICATE '' added as an EXHIBIT " A '', my true and lawful Attorney-in-Fact, FULFILLING THE LAW CENTER has been in contact with CALIBER HOME LOANS, INC., from Friday, XXXX XXXX, 2016 to Friday, XXXX XXXX, 2016 that I nor anyone else is responsible nor am I the surety for a debt that only XXXX XXXX XXXX signed and made a promise to pay.
|
| 05/13/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I am a HUD Housing Counselor working with a client whom has aXXXX XXXX loan, serviced by Caliber Home Loans. I have been activelypursuing a loan modification since XXXX 2015. For the last XXXX months theunder writing department has been requesting " additional " documentsweekly, which extends the time frame and out dates recent pay checks, bank statements, etc. This in turn creates in the servicers eyes an " incomplete '' request.
|
| 11/04/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I fell behind on my mortgage after my business failed. I have been building my business back up after the crash and I am now able to make payments on my mortgage. I have applied for assistance with my mortgage company and I am asking them to post phone my foreclosure sale date in order to review me for assistance. I have submitted by fax a complete financial assistance package / loan modification request. I wish to save my home.
|
| 10/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 05/05/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American |
|
I need help. My daughter and her boyfriend used my name and social to buy a home and they are trashing it. I am wheelchair bound and at their mercy. They always get so mad when people try to help me. They blame everyone else and never take responsibility. They have restraining orders against them from other people. There is fire damage to this house, debris and trash everywhere. I would be trapped here if another fire happened.
|
| 02/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XX/XX/XXXX I took out a mortgage with XXXX for {$310000.00}. XXXX filed BK in New York. Since then I have made all my payments on time for {$2500.00} per month which were not applied correctly to principal. Recently I was told by Caliber Home Loans that I had a superavit in Escrow and the Unapplied Funds account and they would post it as the XX/XX/XXXX payment and they have not and want a detailed explanation why not asap.
|
| 07/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
|
| 09/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX XXXX have violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 03/30/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Asking for documentation at separate times taking a long time to process real problems with the underwriter not requesting documents in a timely fashion then once present documents then asking for more documents was taking more time in order to get processed I really believe this is really unnecessary and like to have some answers while all the paperwork was not asked for at one time in order to make this a smooth transition
|
| 05/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I made {$3000.00} on XX/XX/2020 and want to pay 1 mortgage payment of {$1400.00} ( {$380.00} to principal, {$1000.00} to interest ) and {$1500.00} to principal.
I made additional {$20.00} payment to the principal on XX/XX/2020. Total {$1900.00} to the principal.
The beginning balance of XXXX is {$260000.00} and the ending balance should be {$260000.00}.
After so many call, Caliber Home Loans still didn't make it correct.
|
| 10/28/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
I was just told by my lender that I will have to wait 9 calendar days now thatmy loan was cleared to close. A certain amount to schedule the closing, another amount to deliver the closing documents, and even more to look atthe closing documents? Meanwhile my rate is expiring as I have arefinance loan that needs 3 more " business days '' for something after wesign? All this waiting seems like a way to make my rate worse!!!!
|
| 03/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I am trying to get my house refinanced through XXXX XXXX and our current loan company does not have my loan modification that was done with caliber loans in 2012. I have tried to contact both current and prior loan companies to get this loan modification and I am unable to contact caliber loans and XXXXXXXX XXXX says they do not have it. XXXX XXXX says it it illegal for a company to have the loan without this information
|
| 04/16/2019 |
Yes |
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I paid my mortgage payment on time in the beginning of XXXX and my payment was not processed. I was forced to pay my payment 3 times in order for it to show with Caliber home loans. My loan # is XXXX and the ph # is XXXX. The payment finally posted in XXXX and now I have a 30 day late on my credit report. I have email confirmations of when I paid the payments. All I ask is the deliquency be removed off my credit report.
|
| 04/17/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
We recently purchased a condo in XXXX XXXX, CA. Our lender : Caliber Home loans. Mortgage payment were set up as a direct deduction from my bank account. Since we travel extensively, I returned to the condo on XXXX XXXX and found several delinquency notices presumably to me from a company called XXXX. They bore an incorrect middle initial. We were never informed by XXXX or XXXX of any changes to our loan. Please advise.
|
| 03/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
An appraisal was ordered and conducted on XX/XX/21 for my home. However it has been months since the appraisal and Caliber home loans has been lost trying to find it. I have called support multiple times as well as messaged them online. During my most recent conversation with them they told me there was nothing they could do and the appraisal shouldnt have happened in the first place and canceled my request via letter.
|
| 10/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I continue to submit principal only payments on a monthly basis directed from my bank. These include my account number and " principal only '' in the memo. Caliber continues to fail to post these payments upon receipt. I have to call their customer service month after month to direct them to do the right thing. They are purposely attempting to collect more interest on this loan by not living up to their fiduciary duty.
|
| 08/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Older American |
|
As per the FCRA Act 15 USC 1681 in section 602 the consumer reporting agencies should exercise their responsibilities with fairness and respect for the rights of the consumer privacy. XXXX, XXXX AND XXXX are considered consumer reporting agencies. And that makes me the consumer, I have the right to not share my private information 15 USC 6801, 15 USC 6802 ( b ) ( c ) Privacy Act of 1974, 15 USC 1681 ( c ) 12 CFR 1016.
|
| 09/13/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
On XX/XX/XXXX, i filed for Chapter XXXX bankruptcy and it was discharged on XX/XX/XXXX, while in the bankruptcy payments which were made through the bankruptcy trustee totaled {$110000.00} in principal payments and {$10000.00} in arrears and {$7100.00} in post arrears, totaling {$130000.00} in payments.According to caliber home loans out of the {$130000.00} that was paid reduced my mortgage principal only {$12000.00}.
|
| 06/22/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I'm writing you to see why my mortgage payment has increased. The original bank was XXXX XXXX, followed by Caliber. I'm trying to apply for a loan modification with current bank. But as of yet no one has processed my request. The reason for the request is to investigate my mortgage loan that was abruptly moved from 1 bank to the other. I'm asking for a reasonable modification for me & my family. Thank You In Advance
|
| 03/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A states a person shall not furnish an information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1668B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 03/26/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I am apply for a mortgage modification for the 10th time in the past two years. I am denied for my forbearance request and have proof of unemployment. I have enough income to cover the mortgage and utilities and am still being denied the forbearance. I believe that i am entitled to the forbearance request and am being denied as the servicer tries to earn fee income and compounding interest on the holding of my note
|
| 02/15/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I am working with Caliber mortgage to rescind the property foreclosure sale on my home. They did make me a offer to reinstate the mortgage if I paid XXXX XX/XX/2017.
I requested a mortgage modification though the making Home Affordable Act and they are refusing to modify my mortgage loan I do want to keep my home. I had a previous mortgage modification and Caliber mortgage did n't honor the modification agreement.
|
| 12/06/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
To date, my credit reporting still reflects Not Reported NR for the months of XXXX XXXX 2017, which is highly affecting my credit score and the ability to credit worthiness. That said, I NEVER gave written nor verbal authority/permission to Caliber Home Loans, XXXX nor the U.S. Federal Trade Commission to suppress my credit reporting under any circumstances nor did I suspect any fraudulent activity to my account.
|
| 03/29/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Mortgage statement was send to a rental property Mortgage statement was never sent to my home address I did figure out myself that something was wrong then call the bank and figure out that the mortgage was sold then contact the new company ( the one that bought my mortgage ) I did pay in one time by phone the 2 month that were behind and update the address They reported in my credit knowing that was not my fault
|
| 06/04/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Ladies and Gentleme n : Caliber Home Loan s is a mortgage company in XXXX ( XXXX ), TX, and in California. They programmed their mortgage application XXXX to back off and not send out the required consumer notices onc e Caliber h as the XXXX points of data from the consumer who is applying for a new loan. They are very pleased they have found programmers who will do this for them. Regards,
|
| 05/24/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Hi, Please refer to my previous case # XXXX. Caliber Home Loans is delinquent with my taxes once again. If this company can not pay my taxes on time, I would like my escrow refunded to me and I will pay the taxes. I am sick and tired of their excuses which leave me to believe they are using my money for something else. According to my township, they are receiving notices. Please advise what the next steps are.
|
| 03/24/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Caliber Home loans has claimed to have made payment on my property taxes. This is incorrect. I 've asked them to provide proof of payment ( reciept with the parcel number XXXX 's ) and they are yet to do so. I 'm now being charged escrow to pay them back. They keep looking into it by asking the same question, " was a XXXX payment made? '' and the answer is no. I paid it, I 'm not sure where their payment went.
|
| 01/24/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
During refinance process, closing papers were signed on Saturday, XXXX XXXX, 2015. Papers were forwarded to finance company, funds were distributed XXXX XXXX XXXX XXXX on XXXX XXXX, 2015.
Payment was wired transferred to Caliber Home Loans - funds were denied and returned to lender. This process was done 4 times and rejected by Caliber Home Loans. I am a XXXX veteran and am seeking resolution to this issue.
|
| 05/15/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Credit decision / Underwriting
|
|
Web |
|
|
I have send in my regular monthly payment and found out 4 day 's later that the payment was not collected and I called the mortgage company and they told me that they have n't received it.They to chehed after 2 day 's and if not collected to put a stop to the check.I called the day after that and then I was told that it is delinquent and I need to pay the full amount and they want accept my regular payment.
|
| 08/14/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Our mortgage loan servicing rights were sold to Caliber Home Loans in XXXX 2014.
To this day, we have NOT RECEIVED ONE MONTHLY STATEMENT FROM CALIBER.
We have never received a statement, or any letters, or correspondnce providing us with the loan number of the account, who to contact for questions, monthly payment, amount owed.
This is a clear violation of CFPB Rules for Servicing of Mortgage Loans.
|
| 07/12/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Please see complaint number XXXX which was closed because Caliber Homes responded. They did re-apply the funds that they had applied incorrectly, but they still have not taken the derogatory information off of my credit report and it is currently showing with 10 missed payments and currently 30 days past-due. This is having an extreme impact on my credit score and I need help to make them get it removed.
|
| 05/18/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
I just received notice from the IRS that in 2014 a company I do not owe money to filed XXXX stating that they canceled a debt. I never received a copy of the XXXX to dispute at that time. I never had any kind of debt with this company and do n't understand how they can state a debt was canceled when I never owed them money to begin with. Now IRS is charging me additional taxes, interest, and penalties.
|
| 04/17/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My old loan company sold my loan to the new loan company Caliber home loans and in the process a payment I made was lost on the loan companies end but they still took my money. I made two payments to the old loan company on XX/XX/XXXX, and XX/XX/XXXX and two payments to the new loan company XX/XX/XXXX, and XX/XX/XXXX. The payment on XX/XX/XXXX is missing and both loan companies dont know where its at.
|
| 10/18/2019 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I received an email on XX/XX/2019 at XXXX XXXX about a pre-approved refinance. Upon calling to get my pre-approved refinance, I was told I need to pay {$5700.00} in order for the new rate to work. The phone number advertised is XXXX. I spoke to XXXX XXXX ( XXXX ) at Caliber Home Loans. My loan number is XXXX. XXXX 's direct phone number is XXXX. The address is XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX.
|
| 08/23/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I signed up for the haf program as listed on the caliber website I was approved and there is just a horrible delays with caliber processing the payment my forbearance is over this month they still havent posted XXXX payment I dont want to extend the forbearance but it looks like I will have to because they arent posting payment in a timely manner and Ill be receiving assistance for the next 12 months
|
| 01/19/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
we had gone into a forebarence plan with Caliber Loans. our loan is federal backed/FHA, and we kept asking if they would roll the amount to the end of the loan..they said yes but never really made it clear that it would actually be a sub loan and effect us being able to refinance the loan. we desperately need to lower our payment, but cant because they want us to pay XXXX off before we can refinance.
|
| 08/12/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I filed for a Chapter XXXX bankruptcy on XXXX XXXX, 2016 and my attorney provided notice to the trustee and lender at XXXX. Caliber proceeded with my sale any way at XXXX. My attorney contacted the trustee and they stated the sale would be rescinded due to the fact that proper notice was provided yet it is now two weeks later and we keep getting the run around and the sale has not yet been rescinded.
|
| 02/03/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
FIX THIS PLEASE.
I am sorry that " XXXX from Caliber 's '' diligence resulted in ASSUMING that when XXXX XXXX XXXX XXXX tax office supervisor verified that we owe {$15.00} you recorded it as {$1500.00}.
I have called ENDLESSLY for resolve. Stop taking escrow money that is NOT due. We owe {$28.00} per HALF in XXXX taxes. You have literally be REFUNDED TWICE for overages paid in this EXACT AMOUNT.
|
| 01/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Good Afternoon, Since the initial mortgage payment, Caliber has repeatedly confirmed that they were applying my payment to another address. I emailed the loan officer XXXX XXXX, forwarded the emails received from Caliber stating they had received my payment but were applying my payment to a address that is not my own. Emails and repeated calls to customer service has yet to rectify this situation.
|
| 05/20/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/XXXX i received a letter from Caliber Home Loans that my application was declined for multiple issues none of which are correct or true. On top of it i never contacted Caliber for anything, let alone a mortgage refinance. They never got my acknowledgement or approval to pull my credit. My identity may be compromised because of this and they have not responded to my emails asking for help.
|
| 10/31/2017 |
No |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Without notice, explanation, or legal authority, Caliber claims that I owe them more than {$2000.00} in escrow arrears. Any shortage is the direct result of Caliber 's failure to adequately prepare for the XXXX 2017 annual property tax bill. Now, due only to Caliber 's error, Caliber has unilaterally increased my monthly mortgage by more than {$200.00} per month. This is a more than 10 % increase.
|
| 03/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I already sent a complaint and this company and my Land contractor is lying and now I have to find me a lawyer. I did not give them any of my personal information. Not my email, phone number or soc sec #. And you guys just went with whatever they told you so I and sending the info I have proving it happened and that I did not give it to them. XXXX XXXX AND XXXX or my My ex had to give it to them.
|
| 01/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I sent a letter to Caliber addressing an ongoing issue with Caliber 's reporting. Caliber 's is reporting inconsistent delinquencies to the three major credit bureaus. One bureau may report the account as 90 days delinquent while the other is reporting 180 days delinquent. I have previously address the issue with the three major issues however Caliber keeps verifying their inconsistent reporting.
|
| 01/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have taxes impounded on my mortgage which makes my monthly payment XXXX higher than my principal & interest payment.
By law or regulation what is supposed to be reported to the credit bureaus? P & I or P & I & impound?
I understood it to be the LOAN payment ( P & I ) that should be reported.
XXXX ad Caliber confirmed on the phone that it's " up to the lender '' to report what they want.
|
| 06/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
My ex wife has used my name, social security number and forged several documents, dating back from XXXX to present with your company for loan modifications. I sent you several documents advising I would never sign anything for the loan modification, yet your company did in fact accept the forged documents and modified the loan... now my ex-wife is in forcloser and she is/ has ruined my credit.
|
| 08/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I as many other homeowners struggle with making my mortgage payments. I happened to have to file for bankruptcy protection a few months before COVID hit.
I have applied twice now for a modification and Caliber keeps marking the modification as incomplete and closes out the file.
I have submitted my application for a third time with Caliber and hopefully they will actually modify my mortgage.
|
| 04/17/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
The company that is servicing my mortgage is relentless with offers to refinance at shorter terms or for cashout. The ads are on paper, including details ( such as my address, part of my account number, my outstanding mortgage balance, link to a personalized web site ) that makes it imperative that I dispose of the document carefully. It 's a nuisance, and a possible vector for identity theft.
|
| 09/07/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Being over charged for escrow payments. Have request reanalysis for escrow 3 times.
What is being paid by escrow for the year. XXXX insurance. XXXX taxes XXXX pmi for the year. total XXXX a 2 month cushion of XXXX. The yearly amount needed including a 2 month cushion is XXXX which comes out to XXXX a month. My current escrow payment is XXXX it should be XXXX There is not an escrow shortage.
|
| 07/20/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I sent in my XXXX paperwork to Caliber Home loans. I continue to get letters saying that they need all the required documentation. When I asked what specific documents that still needed they continue sending the same letters asking to get the required documents. I currently do n't know what the status of my mortgage account is after requesting to start paying on account to get current again.
|
| 05/11/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Inaccurate reporting on my account. I opened the account in XXXX over 16 years ago. I transferred the mortgage to a different lender years ago and its still saying payment status as " current ''. The new mortgage company that I transferred too I paid the house completely off XXXXFCRA allows 30 days for this to be rectified. I want this completely removed from a 3 credit Bureaus immediately.
|
| 12/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
to get this corrected since XX/XX/2021. I have called 18 times and provided documents and they still have not resolved the issue. They are charging additional taxes and they have the current tax bill which reflects the correct and current tax amount. They are refusing to get the tax disbursement correct. this is reflecting an escrow shortage on my account. I do not have an escrow shortgage.
|
| 05/28/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Caliber Home Loans has decided that they are going to charge a {$3.00} fee to make my mortgage payment on time. I did not agree to this when I signed my loan documents. Caliber has routinely tried to charge me late payment fees even when payments were made on time. It does not surprise me that they are trying to charge a fee to pay them interest. This type of practice needs to be abolished.
|
| 05/18/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
My home is listed with a realtor to for a short sale in lieu of foreclosure. I listed the home XX/XX/2014. I moved out XX/XX/2014. Caliber bought my mortgage after I moved out. They have set a foreclosure hearing to avoid my " cash for keys '' RESPA settlement. Can they do this to me?
Thank you. Please : this is not a " Duplicate '' request.
Numerous offers have been made to buy my home.
|
| 05/05/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Iv been trying to get caliber home loans to get my property taxes paid since XXXX. Iv contacted them every week since and they keep claiming they have been trying to contact the tax department for my parish. But I have no issues getting ahold to them. I pay a specific amount monthly to my escrow to cover my property taxes. If its not paid by XX/XX/2021 my property will go to the tax sale
|
| 04/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I am in forbearance plan for a bout a year now. 2 months ago I asked my mortgage company to do loan Modification for me and they denied my application. I want to resume payment but I cant afford the current monthly mortgage and loan Modification will be the best option for me.
XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX NC XXXX Mortgage company : caliber home loan Account # XXXX
|
| 06/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Hi, this complaint is an extension to my previous complaint. I asked my mortgage company ( caliber ) to do me a loan modification more than 10 times and they promised to do it and so far ( about 5 months now ) I did not even received the loan modification application yet.
My monthly income have been reduced because of covid and I need a lower monthly payment so I can resume payment.
|
| 04/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Call today Cal XX/XX/2020 to Caliber Home Loans where I have the mortgage on my house to ask for help because of or Covid-19 my work is reduced by 50 % weekly hours. The response was that Caliber suspends at 3 months I pay them. After 3 months I have to pay the 3 months at once!! na truth 4 months is impossible! What help is that??? I think Caliber does not want to help its clients!!
|
| 09/26/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Caliber had me work with them doing a loan modification. I submitted my documentation multiple times over and over again and I documented every call and every submission I sent. They continued the foreclosure process ( dual tracking ) as they were working on my loan modification. I have a foreclosure date of XXXX XXXX and very little time to do anything other file for bankruptcy.
|
| 08/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
Servicemember |
|
As of XX/XX/XXXX, XXXXThe mortgage company Caliber Home Loans is reporting that the mortgage on my wifes XXXX credit report is closed as of XX/XX/2021.
XXXX does reflect that she has a mortgage at all. XXXX has the mortgage but the last month it last month that is was updated was XX/XX/2021, and the mortgage up to date. Also XXXX is not showing on my husbands credit report.
|
| 06/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I couldn't make my mortgage payment due to COVID and worked with Caliber to correct this. They claimed this as a natural disaster - like they were supposed to but also hit me with a 90 day late. this was not supposed to happen and it is effecting my score. This was never supposed to be reported as a late and they stated that to me when i called. My credit report shows different.
|
| 05/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I reviewed a current copy of my credit report and I show inaccruate payment information to home loan account CALIBER account number XXXX. This account has always been paid on time as agreed and never late. I have contacted creditor and credit bureaus to advised that no such late payments have been made. I am having trouble with send in dispute to have this updated for review.
|
| 10/11/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have requested a modification on my XXXX and XXXX mortgage which are interest only loan with Caliber Home Loan and they are refusing to give me mortgage assistance.I have submitted financials and the modification request several times and they refused to work with me, my loans are interest only loans and the interest rate is adjusting increasing my monthly mortgage payment.
|
| 06/13/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Non -receipt of payments-las t two m onths via usps.late fees applied.disputed fees. payment received this month again, due date th e XX/XX/XXXX of m onth.mailed on the first from XXXX XXXX to XXXX , TX.Have not rec eived draft from XXXX XXXX XXXX . today is the XX/XX/XXXX .no contact to a lert me. Caliber Home Loans XXXX TX tel. XXXX XXXX .
|
| 02/22/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
In XXXX, I notified you of my mortgage company, Caliber Home Loans, for not not crediting my account properly throughout my bankruptcy. Thanks to your company, Caliber credited over XXXX to my mortgage account. Thank you!
This request is to follow on the other complaints, which was the fact that they continuously reported me late to all XXXX credit bureaus for over 1 year.
|
| 08/25/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
We have tried to contact this company 40 times. The escrow company and selling agents plus buyers agents have tried contacting this company no answer all we need is a lien release document to close on our home the bank is Caliber Home Loans the property address is XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Registered owner : XXXX XXXX XXXX Original paid loan was from XXXX XXXX
|
| 09/21/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Caliber Home Loans holds the mortgage for my principal residence. For unknown reasons, and without notice or explanation, Caliber paid approximately {$14000.00} to XXXX XXXX and the State of Maryland. The property tax bill was only ~ {$2500.00}. No explanation for the egregious over payment has been provided. Instead, Caliber contends that I am responsible for its error.
|
| 06/28/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
On XXXX XXXX, 2016, I requested a copy of the written instrument ( all pages, both sides ) that clearly shows that XXXX Master Parcipitation Trust is the " new creditor '' of my loan, the loan having been assigned from XXXX XXXX XXXX. In response, all I got was a letter saying stating the same, exact information ( see attached ). A second response has been requested.
|
| 12/06/2021 |
No |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
XX/XX/XXXX I started refinance process with Caliber Home Loans. They quoted 30-45 day time frame from start to close. Today is day XXXX. They have strung me along requesting more and more documents that could have been asked for from the beginning. I have promptly provided documentation each time. At this point I am curious if I have any legal leverage against them.
|
| 12/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Older American, Servicemember |
|
I refinanced my home mortgage with XXXX XXXX XXXX, funded on XX/XX/2020. This was a VA mortgage, they did a credit check.
My loan was purchased by Caliber Home Loans.
A credit inquiry was made on XX/XX/2020 by Calibar Home Loans which was not approved by me. This inquiry drastically reduced my credit score and I would like it corrected please.
Please advise!
|
| 10/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Trying to sell some of my real estate that has a loan through Caliber Home Loans. Title Co. has found an issue with the legal on the open mortgage. needing to get legal description issue resolved so i can sell a portion of the property. Myself and Title company have sent the needed information to clear up the issue but lender has not fixed issue in 5 months.
|
| 02/16/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I closed on the loan XX/XX/2020 Service account tried to steal XXXX XXXX XXXX XXXX They. Pulled my. Mortgage three times in one month They withold my payments XXXX XXXX defamed me now I've been threatened by XXXX XXXX Turned in caliber home loans to Attorney General XXXX XXXX and US Senator XXXX Chief of staff Been banned and threatened by Caliber home loans
|
| 02/03/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I have a XXXX loan with Caliber Home Loans. I have made all my payments to the company as well as escrow shortages. They in turn put my money in wrong accounts and with that show my delinquent and that has directly affected our credit. I have place numerous calls to them from the initial date of the issue. XX/XX/21 to date and have gotten no resolution.
|
| 07/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The company called me and told me I was past due on my payment I made the payment on time but was never notify that my escrow account went up and was told by the company my escrow account should of never went up so they have put a XXXX day late on my credit for XX/XX/XXXXand XX/XX/XXXX I have asked them to be remove and it still has not been done yet.
|
| 02/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I have repeatedly asked Caliber Home Loans to change the address that my statements are sent to, completing this information on the payment coupon ( an industry standard method for notifying address changes ) at least 4-5 times now. Every time, Caliber employees ignore the request and just process the payment and do not change the address of record.
|
| 01/28/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
To whom it may concern : Caliber Home Loans erroneously paid my property taxes even though I dont have an escrow account. Caliber then bumped my payment from {$640.00} to {$1500.00} to cover their mistake. Please see the upload escrow breakdown. They failed to property calculate taxes and force-placed escrows to cover their mistake.
XXXX XXXX XXXX
|
| 03/26/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Caliber Home Loans holds the mortgage on my property. I am currently over 6 months behind and my house is in foreclosure. Caliber Home Loans is using a call screener to repeatedly dial my on an automated recorded call. The call comes in from multiple numbers and comes in multiple times a day. most often the call comes around lunch or around dinner.
|
| 02/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
I got approved for a XXXX loan with Caliber Home Loans but an agent called me to deny me the loan. He said my score was too low. I said they can't deny me credit after it got approved, they are in a fiduciary obligation and anyway I was going to pay the loan in a short period of time, but he still refused to give me my loan and hung up on my XXXX.
|
| 05/11/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
The response to my last complaint on cfpb was sent. by XXXX, to my home. Included were copies of my past interactions with them, as well as XXXX other peoples information! Caliber account numbers, names and addresses. It makes me wonder why has MY information in their hands. I can not believe that XXXX is so lax with the handling of peoples lives.
|
| 03/12/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I am very fustrating with Caliber home loans they are not given me the most important imformations about my property i am living in i have a child my wife we are going true a lot please help me i do n't have place to go i need time i meed they dend me the papers for modification they say they sent to me but i have n't resive nothing please help me
|
| 04/06/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
Caliber Home Loans took over the servicing of XXXX called XXXX XXXX, XXXX, from XXXX XXXX XXXX. XXXX XXXX, XXXX filed for bankruptcy on XX/XX/XXXX, got out of it and case was closed on XXXX. Caliber refuse adamantly to send 'Payment History ' refuse to send 'Escrow accounting ' but request that XXXX send about {$6000.00} without any justification.
|
| 02/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
THE PURCHASE PRICE OF THE HOUSE THAT I AM BUYING WAS XXXX I GAVE A XXXX DEPOSIT WHICH MAKES THE BALANCE XXXX AND I GAVE XXXX FOR DEPOSIT SO NY LOAN SHOULD BE FOR XXXX YET THE LOAN CAME THROUGH AT XXXX SO IT LOOKS TO ME THIS FIGURES ARE NOT ACCURATE I SPOKE TO THE LOAN OFICER XXXX XXXX AND SHE SAID THIS IS THE WAY THE BANK CALCUTE D THE LOAN
|
| 07/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Caliber Home Loans does not offer a way to speak to a human being. They have an automated attendant that loops customers around only people wanting to begin a new loan have the ability to speak to a person. I believe customers are legally entitled to a number where they can speak to a person about their current loan. A very suspect company.
|
| 11/08/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Caliber home loans failed to pay our property taxes on time. As a result we paid taxes due on the due date. We were charged a transaction fee of XXXX dollars for using a credit card. Talking to them, they would n't reimburse us right away or pay the transaction fee. This is unacceptable, it 's our money in our escrow account.
Loan # XXXX
|
| 07/07/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Caliber home loans is charging me a fee of {$5.00} every time my current refinancing company is requesting information about my mortgage to them to be sent over via fax. Not needed to say but I always paid on time and had automatic deductions. This practice should be illegal, we are in 2020 people and these type of fees are ridiculous!
|
| 05/26/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I was denied a loan modification by Caliber Home Loans. I was told by a HUD affiliate at XXXX XXXX, after reviewing my documents, that my chances of getting a modification were good and there was plenty of room in my existing mortgage for modification ( my APR is 7.12 % ). I feel that I was not provided a fair review because I am XXXX.
|
| 01/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Previously submitted a complaint about the same issue. Caliber Home loans were XXXX for taxes and insurance when the loan was set up without XXXX. I received an email both from Caliber & CFPB stating the situation was resolved ... and they are no longer escrowing - but now they won't refund the {$9200.00} they have already collected.
|
| 11/30/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage loan has been sold " Caliber Home Loans '' to " XXXX XXXX '' with service transferring XX/XX/2019. I received notification by mail XX/XX/XXXX from Caliber and haven't received anything from XXXX XXXX. What happened to at least 30 days notice? There wasn't any mention of informing the county or municipality where I live.
|
| 11/07/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I have repeatedly asked Caliber representatives to provide me, in writing or on their website, the breakout of my monthly mortgage payment - escrow portion. They refuse and will only provide TOTAL escrow amount of monthly payment. I believe as a consumer, it is my right to know how the combined monthly escrow amount is apportioned.
|
| 05/25/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
Caliber Home Loans has filed a Notice Motion And Motion For Relief From Automatic Stay Under 11 U.S.C. 362 with supporting declarations XXXX XXXX. Movant : XXXX Bank Trust XXXX. for XXXX Master Participation Trust BY Caliber Home Loans , Inc., as its attorney in factThis action is based on XXXX months non payment which is in error.
|
| 12/24/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
Caliber Home Loans has repeatedly harassed me acting as a Federal agency that my lender approved to refinance my mortgage even though I have contacted on several occasions to stop their deceptive practice, but they continue to harrass me with mailings and phone calls.
I want them to stop and desist with this arrogant behavior.
|
| 12/09/2022 |
Yes |
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My husband and I had a home loan though caliber that under went a loan modification I believe there was a mistake mede and the loan reported as late several times we have tried to work with our creditors and were told there payments would not affect us I have tried to dispose the payment history but have not gotten a experience
|
| 03/28/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
This SCAM XXXX XXXX was suppose to be doing a no down VA loan. Then he tries to scam me out {$90000.00}. He logged into my bank and made false and misleading statements. He also did not want to do the loan because my realter is XXXX XXXX. This XXXX XXXX is a low life SCUM bag that is XXXX. He should have his license terminated.
|
| 02/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Hello, I am trying to sale my house and have asked my mortgage company for a payoff several times. They have sent a payoff with no amounts generated. They said this happened because we needed to pay our mortgage. So we did. Still the same thing. No good to date and everything except the principal balance says XXXX balance owed.
|
| 04/13/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I had a job loss and could no longer make my mortgage payments. Before I was even XXXX payment behind I contacted my lender to ask for help. What I got instead was a lot of false miss leading information and false hope which landed me very behind in my mortgage and facing foreclosure. I desperately need help to save my home.
|
| 03/08/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I fell behind on my mortgage after lay-off. I soon learned I would need XXXX before returning to work. I had the surgeries and was unable to return to my work as XXXX and now have been XXXX for a new occupation at less than half my former income bracket. I have applied for a Short Sale but still have a forclosure sale date.
|
| 02/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
Servicemember |
|
My mothers home went into foreclosure when I was a minor.i didn't live there. The mortgage company sued my mother and put my name in the documents.now I have a foreclosure on my credit report.my name is not on the deed or anything connected to the home.they were instructed by the judge to remove my name in 2019 and haven't
|
| 01/05/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I am requesting a foreclosure postponement so the servicer can review all loss mitigation options. I have a full short sale offer pending that they have not reviewed. the servicer has not assisted me. The impending auction has become intensely stressful. I am only requesting a XXXX stay and they are denying me that option.
|
| 08/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I refinanced my home with Caliber home loans which was fully funded XX/XX/2019 paid off! They reported me late XX/XX/XXXX and XX/XX/XXXX on a paid off loan!! I contacted them several times calling and mailed certified letters! Also with all three credit bureaus they reported back as accurate! How when the loan is paid off
|
| 06/06/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
This company has engaged repeatedly in making unauthorized credit inquiries and continues to hide behind alleged authorizations that do not exist. The most recent occurrence was in XXXX 2016. I made no applications for a loan with this company in XXXX 2016, nor did I authorize it or its agents to review my credit history.
|
| 01/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American |
|
Caliber Home Loans Acct XXXX is reporting incorrect information to XXXX.
No late payments on account since this mortgage payments are being made by the State of Florida directly. Caliber is reporting late payments and XXXX is showing incomplete and inaccurate information which must be removed as per my rights under FCRA
|
| 08/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have a loan with CALIBER, XXXX XXXX, and XXXX/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CALIBER, XXXX XXXX, and XXXX/XXXX with no successful resolution. There was definitely an error on their part.
|
| 01/04/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Our loan was with XXXX and was current The servicing was then taken over by XXXX XXXX XXXX. We were immediately notified that there was an escrow shortage and if not paid, would result in additional fees. Then the load was sold to Caliber for {$50000.00} more than what was owed. A load modification has been denied.
|
| 06/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I refinanced in 2022 for XXXX they gave me a quote of XXXX a month a year later they said my mortgage was going up to XXXX I called they gave me the run around. They finally said my refinance lady had miss calculated the taxes. She had only calculated half the taxes. I would of never agreed she was so misleading.
|
| 09/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Older American |
|
I had a Loan with Calberhome loans.com approx. 20 years ago. Loan was repaid and they didn't release the lien. I have contacted the bank and they said they lost the paper work. They said I need to contact the lost lien department. Needless to say I haven't heard from them either.
Thank you, XXXX XXXX XXXX XXXX
|
| 05/29/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Caliber Mortgage reported my payment late for 2 months.
My payment was short by a small amount due to an increase in property taxes. Caliber accepted the entire payment rather than rejecting it. My taxes are not due for another 6 months. This should not be reported as a 30 day late payment on my credit report.
|
| 01/04/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I took out a loan in XXXX with a XXXX XXXX XXXX XXXX XXXX XXXX for {$310000.00}. Now it appears that all the documents are fraudulent including the Note and Proof of Claim and I want to receive all info requested by my attorney in the attached QWR from the alleged new Trustee XXXX XXXX asap via Fax : XXXX XXXX.
|
| 06/17/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I applied for a loan mod in XXXX of this year. I was not notified of any missing documentation. i assumed that the m\loan mod was going forward. I received ads from people wanting to buy my house as a foreclosure on XXXX XXXX. Called the servicer and my house is up for sale in XXXX XXXX. No notice of anything.
|
| 11/15/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My bank Caliber Home Loans was reviewing a short sale last month and as of this month they have changed their policy and are no longer willing to review a short sale. I have an offer for the full amount they were asking for at the time when they were reviewing the short sale but now they will not review it.
|
| 08/15/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
We are trying to short sell our property. We had a buyer approved and set to close XX/XX/2016 at {$230000.00}. That buyer could not sell his home. We have another offer and Caliber is telling us that their investor will not accept? Thye appraised it XX/XX/XXXX at {$230.00}!!!! This was their own appraisal!?
|
| 11/19/2021 |
Yes |
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/XXXX, I entered into and signed an agreement for a COVID Loan forbearance program with Caliber Home loans. On XX/XX/XXXX, Caliber Home loans marked me late for EVERY month I was in forbearance. Each of the three major credit reporting agencies now show 's me late and not paying for over 12 months.
|
| 03/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
On XX/XX/21 I submitted a complaint with CFPB complaint # XXXX. XX/XX/21 company response was they will refund {$500.00} for the appraisal because they took 5 months and still did not close refinance. I did not receive my refund and tried emailing the address given to me on the complaint but no response.
|
| 08/16/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have a previously complaint number XXXX that Caliber Bank responded to on XXXX/XXXX/2015. I would like to re-open the complaint and dispute the response provided by Caliber. I was unable to respond in a timely manner due to having to relocate after Caliber foreclosed on my home and forced me to leave.
|
| 10/05/2018 |
Yes |
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
Caliber Home Loans has put my mortgage in a Banruptcy Status with them and they have reported to my credit that the account is in Bankruptcy as well.
I have never filed bankruptcy on them I did file 2 years prior to getting the loan. I have made multiple attempts to them and nothing is getting done.
|
| 02/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My credit report with XXXX is reporting this debt as 120 days pass due as the status instead of paid and closed. The account has a XXXX balance but the credit reporting agency has status as 120 days past due.i have disputed this with the reporting agency multiple times with no update to this status.
|
| 03/21/2021 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I have been unable to speak directly to person at Caliber Home Loans. When I call they direct me to the website, which informs me that my mortgage number is not valid. My payment has been increased twice, yet they mailed me a refund check. They do not appear to know how to manage my account.
|
| 10/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : CALIBER XXXX
|
| 09/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : CALIBER XXXX
|
| 06/14/2017 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In XXXX , we received a XXXX for a charged off HELOC. In XXXX , we received another XXXX from a completely different company. We have never received any notification of this until this arrived. I 've attempted multiple times to get resolution, but the company has been unresponsive.
|
| 06/01/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Caliber Home loans is continuing with the foreclosure hearing XXXX XXXX, 2015. The last complaint I filed with CFPB was to stop foreclosure and pay me the Respa money at closing when my house sells. Caliber is avoiding the response to you. This is not a duplicate. Thank you so very much.
|
| 03/21/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have a loan with Caliber, I made payments during the past few years,, yet they were not applied, mainly because the loan was transferred from XXXX to Caliber.
I contacted XXXX and asked them to send me statements from my billing history, so Caliber can apply the credits to my account
|
| 09/29/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Mortgage was collected 2 days early, on XXXX instead of my due date of XXXX resulting in two payments in XXXX. We are scheduled for mortgage auto drafts the first of the month, NOT the last day of the month. Its my understanding this isnt allowed. They cant change my contract at will?!
|
| 11/07/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
My home was foreclosed and sold on XX/XX/2015 with the sale price paid off in XX/XX/2015 yet the mortgage company ( Caliber Home Loans ) still shows a {$59000.00} balance on my credit report. I filed a dispute with the credit report agency and Caliber affirmed the balance still owing.
|
| 06/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I was late XXXX time and the closed report is stating that I was late XXXX times this is not correct and hurting my credit score.i want this fixed I've reached out to them numerous times about this even when the account was open and they did nothing account # XXXX caliber home loans
|
| 10/25/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
The mortgage loan was transferred to a new Servicer. The new Servicer would not honor the agreement from XXXX. The payments were sent in to the new Servicer - ( Caliber Home Loans ) and they were sent back, Now trying to put the homeowner in foreclosure instead of working with them.
|
| 09/13/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I am requesting that Caliber validates this debt by providing a copy of the written instrument, endorsed, front and back, not a copy of an Assignment that was never ( as of today, XXXX XXXX, 2016 ) recorded in land records. This is my THIRD request to Caliber to validate this debt.
|
| 01/03/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Caliber home loans - I was mislead by the amount I would receive out of the refinance even though I questioned on several different occasions.
XX/XX/XXXX - I spoke with XXXX XXXX from Caliber who advised that I would be receiving approximately 10k.
I received approximately 1400.
|
| 11/12/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
The company has changed hands three times and my escrow information is incorrect they have not gotten this straight and have harrssed and caused me to loss tenants and cause me extreme stress and my balance is incorrect. I have documents to prove it but can not get them to listen.
|
| 01/25/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
My loan was transferred/sold from XXXX Mortgage of North Carolina ( Account # XXXX ) on XXXX XXXX, 2013 to XXXX Master Participation Trust ( Caliber Home Loans account # XXXX ). I Ca n't seem to get Caliber to send me the paperwork ( transfer/sale ) documents for this transaction.
|
| 09/01/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I pay my mortgage via autopay every month on the XXXX. XXXX XXXX XXXX showed that it was paid on XXXX/XXXX/15. Caliber did not credit my account until XXXX/XXXX/15. Late charge is accessed in addition to continual harassment of calls and letters demanding payment they already got.
|
| 06/18/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I inherited this by my grandfather, the company is Caliber home loans. I am currently behind in my mortgage payments due to covid 19 and have denied every option I have chosen to being my mortgage current besides paying the amount XXXX in full by XXXX XXXX to avoid foreclosure.
|
| 06/20/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have a mortgage that is interest only, I've requested a mortgage modification and faxed financials per my mortgage company request. The refuse to fix my interest rate and change my loan from and interest only loan. I have had a wage reduction and I don't want to loose my home
|
| 07/22/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
CALIBER HOME LOANS XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX USA Account was paid off and sold to another lender it ; s still reporting negative on my account it was disputed with the lender to remove and why it was paid late due to hurricane season and My sister passing of XXXX
|
| 05/12/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
discharged from bankruptcy XXXX 2015 I have paid my mortgage every month. Mortgage company sold my loan to another and new company saying I owe XXXX or will foreclose on my by XXXX XXXX. I provided proof of my mortgage payments still they persist that my account is delinquent.
|
| 07/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
|
| 06/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
|
| 06/25/2016 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
THE LOAN CALCULATIONS DO NOT ADD UP AMOUNT FINANCED {$180000.00} FINANCE CHARGE {$130000.00} TOTAL PAYMENTS {$320000.00} ANNUAL PERCENTAGE RATE 4.389 % TOTAL INTEREST PERCENTAGE 59.192 % IM WRITING ON XXXX/XXXX/2016 IM SUPPOSED TO CLOSE ON XXXX/XXXX/2016 PLEASE HELP ME THANKS
|
| 04/21/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
|
| 02/28/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found 30 days late payment on the date XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
|
| 03/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX, XXXX and Complaint against Caliber Home Loans XXXX Inc. and XXXX XXXX XXXX I demand XXXX XXXX XXXX Caliber Home Loans , Inc and XXXX XXXX XXXX to disclose who was the OWNER of the account receivable where my money were deposited between XX/XX/XXXX through XX/XX/XXXX.
|
| 11/15/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I provided my home loan servicer documented proof that I paid the property taxes for XX/XX/XXXX, but they still will not add the credit to my account.
Caliber also allowed my balance to be paid off in 60 months and now they are requesting all monies paid off by XX/XX/XXXX
|
| 02/19/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
* The reporting of a 30 day late payment in XX/XX/2019.
* Payment was time stamped as verified by Caliber agent on XX/XX/2019.
* Calibers 's payment system automatically " posted '' the payment for XX/XX/2019.
* This posting ( not payment ) caused as thirty day late.
|
| 09/01/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Caliber Home Loans makes it nearly impossible to send them a simple email for correspondence. Not to mention, their phone tree is compromised & put me in circles over where I can send my homestead exemption paperwork to XXXX so that my taxes are discounted this year ).
|
| 01/23/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Caliber Home Loans Servicer Alleged Owner = XXXX XXXX XXXX as Nominee for the LSF9 Master Participation Trust Caliber Home Loans statement XX/XX/XXXX has a transaction backdated to XX/XX/XXXX!
Amount back and forth {$40000.00} Mortgage payment and payment reversal.
|
| 09/23/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I am a part of the haf program and my payments are supposed to be being paid by this program I had to extend my Covid forbearance because the payments from XXXX and XXXX have yet to be posted today is XX/XX/23 so I will basically be going into XXXX 3 months behind
|
| 09/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XXXX XXXX XXXX XXXX is making payments to our account as a third party. They send the morgage check out on XX/XX/XXXX and it is still not applied to my account. Caliber Loans is not applying the funds when they are recieved which is making me recieve late charges.
|
| 05/30/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
They are trying to force me to set up automatic payments by saying that starting XX/XX/2018. Any one time payment on the website or their app will be charged a {$3.00} fee. To avoid the fee I must set up automatic payments OR mail in the payment by using a check.
|
| 10/26/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I just remember how I'd get conlficting information on my loan after my loan modification with Caliber Home Loans.
They are selling my loan to XXXXXXXX XXXX XXXXXXXX, who I've been reading has WORSE reviews with holding payments and not telling the customer
|
| 02/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
Servicemember |
|
I sold my home in XXXX 2018. My loan was with Caliber Home Loans. I was told at the end of XXXX, during the closing process, that the closing would satisfy the remaining payments of the loan. I now show 2 late payments over 30 days for XXXX and XXXX of 2018.
|
| 10/20/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
MY LOANS WAS SOLD TO CALIBER HOMES FROM XXXX MY MORTAGAGE HAS RESPA VIOLATIONS ON AND I HAVE A 7 PERCENT INTEREST RATE I WILL NOT LET THESE MONSTERS TAKE MY HOME, I WANT A MODEST INTEREST RATE AND A REDUCTION IN PRINCIPAL I OWE XXXX ON MY HOUSE ITS WORT XXXX
|
| 03/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Remains + 'icon ' Remains CALIBER HOME LOANS, IN Account XXXX This loan was settled we sold the house at a short sale and the lender agreed to list as pain in full.. it was already removed from my equifax and my XXXX XXXX .. this need to be removed ASAP.
|
| 01/28/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My mortgage holder is Caliber Home loans. I made mortgage modification XX/XX/2015.According to my agreement I have to pay mortgage and maintenance fee to Caliber Home loans and bank have to pay maintenance fee to my HOA.By some reason Caliber do n't pay.
|
| 03/11/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I had got XXXX XXXX and then lost my job and ive tried to work it out with XXXX XXXX and i got run arounds from i had a fha loan and now its different i have been told some many thing and yeasterday i find out its a private investor thats has my mortgage
|
| 08/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
|
| 02/04/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American, Servicemember |
|
Fraudulent Loan created on XX/XX/2022.
Loan Number XXXX Borrower Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX OR XXXX Notified : XXXX XXXX XXXX XXXX XXXX my lender of Fraud Today Saturday XX/XX/2033, when I received their inquiries!
|
| 11/01/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
The lender has failed to respond to our QWR and Notice of error request sent on XXXX/XXXX/XXXX and are proceeding to sale set for XXXX/XXXX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.
|
| 02/01/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
On XXXX XXXX, 2016, I filed bankruptcy and the courts notified both Caliber Home Loans and XXXX but they are still trying to bully, strong arm and harass me publically by keeping the house on the auction market for a XXXX XXXX, 2016 sale at XXXX.
|
| 05/22/2015 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
I still have unresolved issues with my first complaint along with new complaints see attached documents.
We have refinanced with a new mortgage company.
Please help us wth these issues that have remained inresolved with Caliberhomes mortgage.
|
| 02/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
|
| 01/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XXXX Working with XXXX Mortgage and Caliber Home Loans to resolve incorrect Hazard & Earth Quake insurance for {$1700.00} per month forcing me into Bankrupcy and foreclosure in 2016 Told in XXXX was receiving a credit and it never came XXXX.
|
| 11/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
|
| 06/29/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/XXXX and are proceeding to sale set for XX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.
|
| 09/30/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have been trying to modify my home loan with Caliber Home Loans and they have ignored me and moved my file to foreclosure and now I have a foreclosure scheduled for XXXX/XXXX/2015!! I do n't know what to do because I want to keep my home.
|
| 09/07/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/17 and are proceeding to sale set for XX/XX/2017 - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the client 's right to counsel.
|
| 02/28/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My interest rate was at 2 % for 2 years, after 2 years it jumped to 7.65 % and now for the year XXXX it is now 4 %. I 'm stuck with balloon adjustable rate mortgage, interest only since XXXX. Principle balance has n't changed for 10 years.
|
| 10/27/2017 |
No |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Market feel in XXXX ; rate with Caliber is and now XXXX XXXX ; payments rising so apparently I have an adjustable rate loan that I was not aware of. Caliber has done nothing to assist me at all.
Now Caliber is pursuing me in the courts
|
| 03/07/2022 |
Yes |
|
|
|
Web |
|
|
The company has sent us an increase in our escrow for no apparent reason. Our home owners insurance went down this past year and our property tax only increase by a {$100.00} or so and they say we are over {$800.00} short for the year.
|
| 08/24/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
After providing required documentation for their underwriting department Im not getting any responses at all as to what is missing and what the statuses I have sent several request via email with deadline dates and still no response
|
| 03/20/2015 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
Caliber Home Loans does not have a Single Point of Contact on any file. Ever. They refer you to a " SPOC Dept ''. You can NEVER get out of their prompt system. They provided a modification agreement without a term and maturity date.
|
| 02/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have a buyer willing to pay the bank {$990000.00} and payoff {$300000.00} in violation and bank is refusing to accept. My credit will be ruined and I will never be able to buy a house if a foreclosure is reported on this property
|
| 03/04/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have asked mt mortgage company for an application to start the loan modification process. Caliber Home Loans is refusing to allow me to start the application process. The mortgage company will not give or accept the application.
|
| 01/25/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
XX/XX/XXXX mortgage payment was made before XX/XX/XXXX. Caliber is reporting this payment as a 30 day late. Would like to have this removed from credit report. My husband and I have no record of 30 days in the past 10 + years.
|
| 12/26/2015 |
No |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
i gave a rep XXXX who told me i would be able to get XXXX of equity out of the house when i closed. i did not get the money and was told rental income was reported on my mortgage without any signed leases that i am aware with.
|
| 10/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Account XXXX XXXX Caliber Home loans still reports the account as unpaid and or late. The account was Refinanced by my Ex Wife. Caliber Home Loans refuses to correct my Credit Report to show that the mortgage was PAID IN FULL
|
| 01/06/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
I had a Texas XXXX XXXX XXXX XXXX with XXXX that started in 2008.Since that time many of my payments were applied to interest only which is a violation of Texas Home Equity Law. I will attach a letter and other information.
|
| 06/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Caliber Home Loans did not credit my XXXX payment correctly, applying it to the Principal rather than as a monthly payment. Each month Caliber is charging me a late fee, saying all my monthly payments since XXXX are late.
|
| 07/19/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Older American |
|
bad Credit report is preventing me from buying a home.
Caliber is showing a missing XX/XX/2018 payment. I paid it on XX/XX/2018.
Caliber reported it as a second payment on XXXX.
The XXXX payment was made on XX/XX/2018.
|
| 05/24/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Caliber Home Loans sent me a letter that they will refund the amount of {$5000.00}. Instead i received {$4700.00}. I called customer service asking why the amount was less and they could not come up with an explanation.
|
| 05/10/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
On, XX/XX/2018, XXXX ( Calinber Home Loans ), ran my credit for a home mortgage loan. I did not authorize this transaction from occurring. I was not aware of such a transaction occurring with my personal information.
|
| 11/11/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
please do NOT close complaint XXXX, Caliber Home Loans is trying to pretend that they didn't remedy the situation, I have added notes to the complaint dated today XXXX XXXX, 2020, the XXXX XXXX Birthday ironically.
|
| 08/03/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Caliber Home Loans states that they have provided us with a modification.
I have not been provided a loan modification on my loan or property. Caliber has denied my claim and has continued to deny and drag our case.
|
| 01/14/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Once again, my mortgage company, Caliber Home Loans, has failed to pay a tax that is covered by the escrow funds I pay. Once again they will pay this tax late resulting in late payments that my account has to cover.
|
| 09/21/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I'm on a mortgage note with Calibar Homes Loans with my ex fianc 's mother. They have not paid the mortgage in over a year and seven months and now I have proof that they forged my signature to get a modified loan.
|
| 11/09/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Caliber recently mailed a letter to my co-borrower, XXXX XXXX, only. I did not receive a copy. What was contained in that letter? Why was it sent? Caliber refuses to provide me a copy. Please provide me a copy.
|
| 09/21/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Caliber failed to set aside enough funds in my escrow account to pay annual taxes. Due to Caliber 's mistake, after tax payments were made in full, my escrow account contains a deficit of more than {$1000.00}.
|
| 02/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX report in file had two different names and two different social security numbers.
XXXX report wrong current home loan mortgage address.
XXXX report Real Estate Mortgage account was not belong to me.
|
| 08/30/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Sent a {$10000.00} check to Caliber Home Loans on XX/X/2016 and wrote on it " Apply to Principal ''. Never the less, they did not and according to my mortgage broker Caliber owes me approx {$5300.00}.
|
| 10/27/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American, Servicemember |
|
New loan service agency is demanding that I as a third party authorized interest in an existing loan have knowledge of the original borrower 's Social Security Number in order to verify the loan.
|
| 01/04/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
Caliber Home Loans now owned by XXXX started and denied a home refinance with me. They did not provide a copy of the appraisal done on my home. I have try to get a copy and no one will help.
|
| 09/19/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Attempting to complete a short sale on the property due to the amount being over the current amount valued. Caliber Home Loans is not allowing for the short sale to commence nor be reviewed.
|
| 06/19/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
XX/XX/2019-I filed a loan modification because my mortgage went up about XXXX extra a month. ( XXXX a month ) I was put on a loan modification, which put a 2nd lien on my mortgage if XXXX.
|
| 07/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I requested a copy of my entire servicing file from Caliber Home Loans as provided for under XXXX XXXX XXXX since XXXX XXXX, 2018. Caliber has failed to comply with my request to date.
|
| 10/26/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Inaccurate information being reported to credit agencies. Reported that account is 120 plus days late. Account was in good standing, now is paid in full. Multiple calls get no response.
|
| 01/04/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
The lender denied by my request to cancel the mortgage insurance, citing a failure to meet FHA requirements. However, the lender did not specify which FHA requirements hadn't been met.
|
| 04/30/2015 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
Respa has been looked at for my relocation expenses. I was told I would receive {$3000.00}.
Money has not been received, and I do not want to wait any longer for this money.Thank you.
|
| 11/05/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
XX/XX/2021 - lender conditionally approved mortgage and is now requesting additional conditional compliance the day of closing. I believe they are doing it because I am a XXXX female.
|
| 12/16/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Caliber Home Loans engaged in the prohibited practice of " Dual tracking '' after becoming the servicer of the loan and knowingly violated loss mitigation procedures pursuant to XXXX.
|
| 09/13/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have declared bankruptcy and Caliber has posted my home for Sherrifs sale twice during this period without requesting relief to do so. Please see the attached letter from my lawyer.
|
| 05/09/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This Finance Company sold my mortgage to XXXX XXXX and also is reporting public credit report XXXX that I still owe a mortgage loan. My account ins blocked in their website
|
| 07/12/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
I would like copies of all of the loan documentation sent to me. That includes copies of the loan documents, recorded documents and any and all documentation related to this loan.
|
| 01/04/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Mortgage Servicing Company refused to acknowledge timely receipt of loan modification application for HAMP review due to their failure to timely upload documents in their system.
|
| 11/10/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My Homeowner 's insurance payments were not made on time causing the house to uninsured over XX/XX/XXXX - XX/XX/2015Caliber home loansAccount # XXXX XXXX XXXX XXXX, XXXX, WA XXXX
|
| 01/12/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Since being under Caliber Home Loans, they have never paid my taxes on time. They 've had every excuse in the book. I am tired of getting delinquent notices from my tax office.
|
| 09/23/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I have been trying to get a loan forbearance or loan modification for my loan but to no avail. Now I have been told that they have escalated my account to a foreclosure sale.
|
| 10/02/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
servicer never applied payments properly from the months of XXXX ... they have been inaccurately reporting my payments as late when they were on time. ruining my fico score.
|
| 03/01/2022 |
Yes |
|
|
|
Web |
Servicemember |
|
We did a cash out refinance with Caliber Home Loans they still have not paid out {$2800.00} of the cash out and our first payment is due they are in breach of the contract
|
| 10/22/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
|
|
XXXX XXXX Senior Vice President Caliber Homes Loans transfer of loan, problems, credit insurance Ref case : XXXX and XXXX Responding to a complaint. response on XX/XX/2018
|
| 01/14/2018 |
No |
|
- Trouble during payment process
|
|
Web |
|
|
My recent streamline refinance added back MIP which we met that obligation back in 2015. Caliber will not remove it please see attachment for all supporting documentation.
|
| 09/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Caliber Home Loans is erroneously reporting two ( 2 ) thirty ( 30 ) day lates on me and my wifes credit report, which caused me not to be able to refinance my home loan.
|
| 05/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
For the third month in a row, my mortgage servicer Caliber Home Loans has assessed a late fee when they had possession of my payment 3 days before the payment deadline.
|
| 06/30/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Caliber home loans applied my XX/XX/XXXX payment to XX/XX/XXXX when the loan was in Covid-19 forbearance. I called at least a dozen times and it's still not fixed.
|
| 04/25/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I was approved for a short sale and my lender approved it. I was just told that my home will be foreclosed on after I was already approved and now it was denied.
|
| 05/28/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Caliber Home Loans purports to apply a {$3.00} transaction fee for each online payment in violation of our mortgage agreement and other applicable agreements.
|
| 01/15/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
We have not been recognized by new mortgage servicer Caliber Home Loans as being in the Loan mitigation process prior to the transfer from XXXX XXXX.
|
| 09/21/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
|
| 11/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Caliber Home Loans added a stranger 's email address to my account and sent them my payoff documents with my personal information.
|
| 02/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I have a Land Contract with XXXX XXXX AND THE GAVE MY INFO TO Caliber home mortgages who did a credit check without my consent.
|
| 01/24/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
My home was forclosed on by Caliber Homes who bought my mortgage from XXXX in forclosure. I feel it was a stealth forclosure.
|
| 05/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
XXXX was sold to Cailber home Mortgage should only have 1 account reported and CALIBER home Mortgage has been satisfied
|
| 12/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This account was never mine. Never had a XXXX XXXX XXXX account in my entire life. It is a result of an Identity theft.
|
| 06/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Someone checked my credit and processed an mortgage application, then sent me docs for signatures without my permission
|
| 02/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
XX/XX/2018 Spoke with company and they told me they could not remove even if I filed Bankruptcy # XXXX AZ chapter XXXX.
|
| 02/27/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
there is inaccurate missed payment reported into my credit profile by a mortgage company that I once had a loan with
|
| 03/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have 2 closed mortgage accounts which were fraudulently opened. XXXX XXXX XXXX XXXX and Caliber Home Mortgage.
|
| 01/07/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I made my mortgage payment on the XX/XX/XXXX but the payment was not applied to my account until XX/XX/XXXX
|
| 01/16/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Caliber Home Loans is suing me in Massachusetts Land Court for a time-barred loan. The docket # XXXX.
|
| 05/12/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Original Creditor : XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ms XXXX
|
| 07/01/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Please see the attached Word document which states the reasons for the complaint.
|
| 06/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
There are three XXXX XXXX filings on my credit report that should not be there.
|
| 07/13/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Failed Mortgage modification with Caliber loans they actually made it worse
|
| 11/06/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Hello. I have a foreclosure sale and I need assistance with stopping it.
|
| 02/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My mortgage company repotted late payment while I was in forbearance.
|
| 03/14/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American, Servicemember |
|
They hold checks for 2-8 weeks before depositing and clearing my bank
|
| 04/16/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I was not given notice of a change in mortgage servicer company.
|
| 10/15/2023 |
Yes |
|
- Struggling to pay mortgage
- Foreclosure
|
|
Web |
|
|
citi mortgage bought and sold mortgage, fraud
|
| 02/02/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Private mortgage insurance (PMI)
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Phone |
|
|
|
| 01/22/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Fees charged
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/04/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Closing on a mortgage
- Closing disclosure or other related disclosures
|
|
Web |
Older American |
|
|
| 12/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Closing on a mortgage
- Closing disclosure or other related disclosures
|
|
Web |
|
|
|
| 12/18/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Closing on a mortgage
- Closing disclosure or other related disclosures
|
|
Web |
Older American |
|
|
| 12/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 12/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Phone |
|
|
|
| 11/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
|
| 11/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 11/21/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 11/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 11/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- An existing modification, forbearance plan, short sale, or other loss mitigation relief
|
|
Referral |
|
|
|
| 11/03/2023 |
Yes |
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
Servicemember |
|
|
| 10/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/23/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Trying to communicate with the company to fix an issue with the application process
|
|
Web |
|
|
|
| 10/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 10/04/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Trying to communicate with the company to fix an issue with the application process
|
|
Web |
|
|
|
| 09/29/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Changes in loan terms during the application process
|
|
Web |
Servicemember |
|
|
| 09/29/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 09/25/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Loan sold or transferred to another company
|
|
Web |
|
|
|
| 09/15/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
|
| 09/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
|
| 09/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/29/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Delays in the application process
|
|
Web |
Servicemember |
|
|
| 08/29/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Paying off the loan
|
|
Web |
|
|
|
| 08/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Private mortgage insurance (PMI)
|
|
Web |
|
|
|
| 08/26/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- An existing modification, forbearance plan, short sale, or other loss mitigation relief
|
|
Web |
Older American |
|
|
| 08/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Referral |
|
|
|
| 08/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Older American, Servicemember |
|
|
| 07/26/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
|
|
|
| 07/25/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 07/25/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 07/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 07/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 07/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/10/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 07/07/2023 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 07/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 06/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 05/31/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
Older American |
|
|
| 05/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 05/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 05/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 05/05/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Servicemember |
|
|
| 05/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American, Servicemember |
|
|
| 04/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 04/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 04/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 04/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/08/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 04/03/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Older American |
|
|
| 03/29/2023 |
No |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 03/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 03/23/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/15/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/09/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 03/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/01/2023 |
No |
|
- Trouble during payment process
|
|
Phone |
Older American, Servicemember |
|
|
| 02/28/2023 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 02/23/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American, Servicemember |
|
|
| 02/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 02/21/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 02/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/16/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/09/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 02/09/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 02/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/25/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 01/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 01/18/2023 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 01/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 01/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/06/2023 |
Yes |
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
|
| 01/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 12/22/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
|
| 12/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/20/2022 |
Yes |
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 12/20/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
Servicemember |
|
|
| 12/20/2022 |
No |
- Mortgage
- Conventional home mortgage
|
|
|
Postal mail |
|
|
|
| 12/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/16/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 12/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Older American |
|
|
| 12/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 11/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
|
| 11/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 11/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/14/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 11/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 10/29/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/29/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/25/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 10/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/13/2022 |
Yes |
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Phone |
|
|
|
| 10/12/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 10/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/11/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 10/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Older American |
|
|
| 09/30/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/27/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
|
| 09/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
|
| 09/19/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Servicemember |
|
|
| 09/14/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 09/10/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/05/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/31/2022 |
Yes |
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/29/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 08/26/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 08/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 08/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 08/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/17/2022 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 08/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/15/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/11/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 08/11/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/11/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|